Sec. 1. 24-A MRSA §214, sub-§2, as amended by PL 1973, c. 585, §12, is further amended to read:

2. If the superintendent has reason to believe that any person has violated any provision of this Title, or of other law as applicable to insurance operations, for which criminal prosecution is provided and would be in order, he the superintendent shall give the information relative thereto to the Attorney General. The Attorney General shall promptly institute such action or proceedings, including, but not limited to, actions ordering restitution against such that person as in his the Attorney's General's opinion the information may require or justify.

Sec. 2. Report on insurance practices. The Superintendent of Insurance shall investigate and prepare a report analyzing changes made in underwriting standards, product design and benefit structure that affect the availability of health insurance products and personal or commercial insurance products available in this State. The report must encompass changes made from January 1, 2001 through June 30, 2003.

The report must include, without limitation:

1. A comparison of, and changes in, premium rates; coinsurance required; deductibles; and any other form of beneficiary cost sharing for each type of insurance package or category available;

2. Any changes, including increases, decreases or other modifications in benefit and claim packages offered during the time being examined;

3. Any additions or changes to underwriting criteria used in maintaining or determining coverage or eligibility or denying coverage, including, without limitation:

A. Credit screening or scoring;

B. Preexisting conditions;

C. Standards that result in the failure to meet insurance portability protections; and

D. Any other factors that influence eligibility for coverage; and