Who has the authority to change state insurance laws?

The authority to change state insurance laws primarily resides with the Legislature. Legislators hold the power to propose, debate, and enact new laws or amend existing laws, including those specific to insurance. The Governor can influence this process by supporting or vetoing proposed legislation, but does not have the direct authority to change laws independently.

The Commissioner manages the regulatory aspects of insurance laws and oversees the insurance industry within the state, but they do not have the unilateral power to change laws. Their role is to enforce regulations and ensure compliance with the laws enacted by the Legislature.

Courts interpret laws and can influence insurance practices through their rulings, but they do not create or change laws; they apply and clarify existing laws based on specific cases presented to them.

Therefore, the option indicating the Legislature is the correct answer, as they are the body responsible for making or amending laws, including those governing insurance. Understanding this distinction is vital for grasping how insurance regulations are established and modified within the state.