What type of insurance coverage is often subject to additional regulation?

Health insurance is often subject to additional regulation due to its significant impact on individuals' access to necessary medical care and services. The intricacies of health care costs, the need for consumer protection, and the varying state and federal mandates make health insurance heavily regulated. This regulation includes laws regarding coverage provisions, pre-existing conditions, the benefits that must be offered, and practices involving premium rates and claims handling.

In contrast, other types of insurance, such as liability, personal, and property insurance, while still regulated, generally face a different set of regulations that focus more on market conduct and the protection of policyholders in terms of financial solvency and fair practices, rather than the specific health care issues present in health insurance. Therefore, health insurance stands out as the type of coverage that requires more specialized and extensive regulatory oversight.