Meet the Insurance Commissioner
Michael Humphreys was named Acting Insurance Commissioner on February 28, 2022. In this position, Humphreys is charged with the responsibility of regulating the Commonwealth's insurance marketplace, overseeing licensed agents and insurance professionals, monitoring the financial landscape of companies doing business in Pennsylvania, educating consumers, and ensuring residents are treated fairly. Prior to being appointed, Humphreys served as the Chief of Staff for the Insurance Department since September 2019.
Humphreys joined PID as the Department was working closely with Pennie, the state-based health insurance exchange created by Act 42, to ensure a successful roll-out of the new initiative that would become the home for high-quality, affordable health insurance plans in Pennsylvania. The launch of Pennie was a landmark step for health care in the Commonwealth as Pennie continues to be a key source of affordable coverage for hundreds of thousands of Pennsylvanians.
Acting Commissioner Humphreys continues the work of his predecessor in implementing the federal No Surprises Act in Pennsylvania. The No Surprises Act went into effect January 1, 2022 and protects patients from surprise medical bills. In December 2021, Governor Tom Wolf signed an Executive Order designating the Pennsylvania Insurance Department as the lead agency to coordinate the implementation of the No Surprises Act in the commonwealth. As Acting Commissioner, Humphreys oversees a dedicated consumer complaints team that works to investigate surprise medical bills submitted by patients, with the primary goal of ensuring the protections of the No Surprises Act are being met.
Before joining the Insurance Department, Humphreys served as Assistant Commissioner for Insurance at the Tennessee Department of Commerce and Insurance (TDCI). In Tennessee, he oversaw the Insurance Division as it was reaccredited by the National Association of Insurance Commissioners.
Humphreys previously worked for the National Council of Insurance Legislators (NCOIL), serving as the legislative organization's Director of State-Federal Relations from 2007 until 2012.
Humphreys has a Master's in Public Administration from Bowling Green State University and a Bachelor of Arts in Political Science from the University at Buffalo.
Pennsylvania is the fifth largest insurance market in the United States, in terms of premium volume, and the 14th largest insurance market in the world.
The Pennsylvania Insurance Commissioner administers the following:
- Catastrophic Loss Benefits Continuation Fund
- Medical Care Availability and Reduction of Error Fund (MCARE)
- Underground Storage Tank Indemnification Fund (USTIF)
- Workers' Compensation Security Fund
The Pennsylvania Insurance Commissioner is a member of:
- Pennsylvania Health Care Cost Containment Council
- Children's Health Insurance Advisory Board
- Underground Storage Tank Indemnification Fund Board
- Coal and Clay Mine Subsidence Insurance Fund
- State Worker's Insurance Fund
- Pennsylvania Employees Benefits Trust Fund Board of Trustees
- Assigned Risk Plan board member, ex-officio
- PA Fair Plan board member, ex-officio