Teresa D. Miller was appointed Insurance Commissioner by Pennsylvania Governor Tom Wolf on January 20, 2015. She was confirmed by the Pennsylvania Senate on June 3, 2015.
Miller has extensive experience in the health sector at both the state and federal levels. She is the former administrator of the Oregon Insurance Division, where she helped implement the early stages of the ACA at the state level. In that role as Oregon's top insurance regulator, she was also responsible for making significant changes to Oregon's health insurance rate review process and was invited to testify before the Senate Health, Education, Labor, and Pensions Committee to highlight features of Oregon's improved process.
Miller was previously a partner at Crowell & Moring in the Health Care Group where she focused on matters related to the implementation and enforcement of the Affordable Care Act (ACA). Prior to joining Crowell & Moring, Miller served as acting director of the State Exchanges Group, the Oversight Group, and the Insurance Programs Group at the Center for Consumer Information and Insurance Oversight (CCIIO), Centers for Medicare & Medicaid Services (CMS), Department of Health & Human Services (HHS). While at CMS, she helped the agency roll out regulations and guidance implementing the private market reforms of the ACA and helped develop and implement the policies and rules governing state-based exchanges. She was instrumental in putting key provisions of the ACA into practice and worked closely with states and issuers to ensure compliance with all the new market reforms, including the market rating reforms.
Miller received her J.D. from Willamette University College of Law, and her B.A., magna cum laude, from Pacific Lutheran University.
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 Insurance Commissioner is entrusted with enforcing the insurance laws of Pennsylvania, including protecting consumers and monitoring the financial solvency of Pennsylvania domestic insurance companies. Pennsylvania serves as the lead regulator for an array of insurance companies from small mutuals that trace their history to the 1700's to a number of large internationally active insurance groups. Pennsylvania has been at the forefront of advancing the regulation of domestic IAIGs. The department also investigates and enforces state laws and regulations pertaining to insurance and responds to consumer inquiries. The department provides the public with information and educational brochures regarding various types of insurance.
The Pennsylvania Insurance Commissioner administers the following:
· Children’s Health Insurance Program (CHIP)
· Catastrophic Loss Benefits Continuation Fund
· Workers' Compensation Security Fund
· Medical Care Availability and Reduction of Error Fund (Mcare)
The Pennsylvania Insurance Commissioner is a member of:
· Pennsylvania Health Care Cost Containment Council
· Children’s Health Insurance Advisory Board
· Underground Storage Tank Indemnification 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