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PA Insurance Department - Insurance Commissioner
joel    Hi -- I am Joel Ario. It is my privilege to serve you as Pennsylvania's Insurance Commissioner.  Please make use of our department as well as our Web site. Understanding insurance can sometimes be difficult, even intimidating. So we want to give you the resources you need to make informed decisions about your insurance needs.

You are a few clicks away from learning about the different types of insurance, finding the companies and individuals licensed to sell insurance and comparing rates for different insurance products. This site is your resource. I encourage you to use it. If you’re looking for something and can’t find it, or if you have a comment, question or concern, let me know. Remember, when it comes to insurance, knowledge is your best policy. 


In June 2007, Governor Edward Rendell nominated Joel Ario to serve as Pennsylvania’s Insurance Commissioner, describing Ario as “a highly qualified and seasoned administrator with a strong and proven record of fighting to protect the rights and needs of consumers.”


Prior to his Pennsylvania service, Ario was the chief insurance regulator for the state of Oregon (2000-2007) and worked in the public interest movement for 15 years.  His tenure in Oregon was marked by collaboration with companies, agents and consumers to see that appropriate consumer safeguards are in place, while also preserving the flexibility insurers need to thrive in the fast-changing insurance marketplace.  Within the insurance industry, Ario has won high marks for carefully balancing regulatory concerns with the needs of consumers and is widely respected as being a fair and open-minded regulator.


Ario serves on the National Association of Insurance Commissioners’ (NAIC) Executive Committee and is Chair of the Climate Change Task Force and Vice Chair of the Health Insurance (B) Committee.  Prior NAIC assignments include Chair of the Health Insurance and Managed Care Committee (2006-2008) and Chair of the Market Regulation Committee (2001-2004).  Commissioner Ario also has served as an NAIC officer—Secretary-Treasurer (2003-2004) and Vice President (2004-2005).


Additionally, he serves on the Consumer Participation Board of Trustees, as well as the Board of Directors for the National Insurance Producer Registry (NIPR), a collaborative enterprise between the NAIC and the regulated community to modernize agent licensing systems.  He was that organization’s President and Board Chair from 2002 to 2004.


Ario approaches issues from a consumer perspective.  His top priorities in Pennsylvania are health care reform, including affordability and universal coverage, and the needs of older Pennsylvanians—particularly as they relate to long-term care and suitable annuity products.


A 1981 graduate of Harvard Law School, Ario also holds degrees from Harvard Divinity School and Saint Olaf College in Northfield, Minn.  He is married and has three sons.


The Pennsylvania Insurance Commissioner, administers the following:


            adultBasic Health Insurance Program

            Children’s Health Insurance Program (CHIP)

            Catastrophic Loss Benefits Continuation Fund

            Workers Compensational Security Fund

            The Medical Care Availability and Reduction of Error Fund

The Pennsylvania Insurance Commissioner is a member of:

            Health Care Reform Cabinet

            Children’s Health Insurance Advisory Board

            International Commission on Holocaust Era Insurance Claims, Vice Chair

            Commission on Mcare Unfunded Liability, Chair

            Underground Storage Tank Indemnification Board

            Anthracite and Bituminous Coal Mine Subsidence Board

            Working Families Task Force

The Pennsylvania Insurance Department administers the laws of the Commonwealth as they pertain to the regulation of the insurance industry and the protection of the insurance consumer.  The Department monitors financial solvency, licenses insurance companies and producers, reviews and approves rates and forms, and coordinates the takeover and liquidation of insolvent insurance companies and the rehabilitation of financially troubled insurers.  The Department also investigates and enforces state laws and regulations pertaining to insurance and responds to consumer inquiries through its three regional offices.  The Department provides the public with information and educational brochures regarding various types of insurance.

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