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State insurance department and consumer-affairs portals

One-page lookup of the right complaint portal per state. Used by the drafter to fill complaint_state_doi.md placeholders (agency name, mailing address, online portal URL, attorney general fallback). Order the kit picks:

  1. If the bad actor is a licensed insurer → state DOI (insurance department).
  2. If the bad actor is a provider, hospital, or third-party debt collector → state Attorney General's Division of Consumer Affairs (sometimes called Consumer Protection).
  3. If the bad actor is a non-profit hospital not meeting § 501(r) → IRS Form 13909 (federal), in parallel.
  4. If the bad actor is a hospital out of compliance with 45 CFR Part 180 → CMS HPT complaint (federal), in parallel. See templates/complaint_cms_hpt.md.

Entries are listed alphabetically by USPS code. Each entry shows the DOI portal first, the AG consumer-affairs portal second. URLs are the public submission pages. Update on a yearly review; portals are rarely renamed but office addresses do shift.

AL, Alabama

  • DOI: Alabama Department of Insurance, Consumer Services Division. Portal: aldoi.gov/consumers/complaintform.aspx. Mail: 201 Monroe Street, Suite 502, Montgomery, AL 36104.
  • AG: Office of the Attorney General, Consumer Interest Division. Portal: alabamaag.gov/consumercomplaint.

AR, Arkansas

  • DOI: Arkansas Insurance Department, Consumer Services Division. Portal: insurance.arkansas.gov/divisions/consumer-services. Mail: 1 Commerce Way, Suite 102, Little Rock, AR 72202.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: arkansasag.gov/consumer-protection.

AZ, Arizona

  • DOI: Arizona Department of Insurance and Financial Institutions. Portal: difi.az.gov/file-complaint. Mail: 100 N 15th Avenue, Suite 261, Phoenix, AZ 85007.
  • AG: Office of the Attorney General, Consumer Information and Complaints. Portal: azag.gov/complaints/consumer.

CA, California

  • DOI: California Department of Insurance. Portal: cdi.ca.gov/01-consumers/101-help/index.cfm. Mail: Consumer Communications Bureau, 300 South Spring Street, South Tower, Los Angeles, CA 90013.
  • AG: Office of the Attorney General, Public Inquiry Unit. Portal: oag.ca.gov/contact/consumer-complaint-against-business-or-company.

CO, Colorado

  • DOI: Colorado Division of Insurance. Portal: doi.colorado.gov/for-consumers/file-a-complaint. Mail: 1560 Broadway, Suite 850, Denver, CO 80202.
  • AG: Department of Law, Consumer Protection Section. Portal: stopfraudcolorado.gov.

CT, Connecticut

  • DOI: Connecticut Insurance Department, Consumer Affairs Division. Portal: portal.ct.gov/CID/Consumer-Affairs. Mail: 153 Market Street, Hartford, CT 06103.
  • AG: Office of the Attorney General, Consumer Assistance. Portal: portal.ct.gov/AG/Consumer-Issues.

FL, Florida

  • DOI: Florida Department of Financial Services, Division of Consumer Services. Portal: myfloridacfo.com/division/consumers. Mail: 200 East Gaines Street, Tallahassee, FL 32399.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: myfloridalegal.com/consumer-protection.

GA, Georgia

  • DOI: Office of Commissioner of Insurance and Safety Fire. Portal: oci.georgia.gov/insurance-complaint. Mail: Two Martin Luther King Jr. Drive, West Tower, Suite 704, Atlanta, GA 30334. Phone: 1-800-656-2298.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: consumer.georgia.gov/consumer-complaints.

IA, Iowa

  • DOI: Iowa Insurance Division. Portal: iid.iowa.gov/consumer-resources/insurance-help. Mail: 1963 Bell Avenue, Suite 100, Des Moines, IA 50315.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint.

IL, Illinois

  • DOI: Illinois Department of Insurance. Portal: idoi.illinois.gov/consumers/file-a-complaint.html. Mail: 122 South Michigan Avenue, 19th Floor, Chicago, IL 60603.
  • AG: Office of the Attorney General, Consumer Fraud Bureau. Portal: illinoisattorneygeneral.gov/consumers/filecomplaint.html.

IN, Indiana

  • DOI: Indiana Department of Insurance, Consumer Services Division. Portal: in.gov/idoi/consumer-services. Mail: 311 West Washington Street, Suite 300, Indianapolis, IN 46204.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: indianaconsumer.com.

KS, Kansas

  • DOI: Kansas Insurance Department. Portal: insurance.kansas.gov/file-a-complaint. Mail: 1300 SW Arrowhead Road, Topeka, KS 66604.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: ag.ks.gov/file-a-complaint.

KY, Kentucky

  • DOI: Kentucky Department of Insurance, Consumer Protection Division. Portal: insurance.ky.gov/ppc/Default.aspx. Mail: 500 Mero Street, 2 SE 11, Frankfort, KY 40601.
  • AG: Office of the Attorney General, Office of Consumer Protection. Portal: ag.ky.gov/Resources/Consumer-Complaint-Form.

MA, Massachusetts

  • DOI: Massachusetts Division of Insurance, Consumer Service Section. Portal: mass.gov/file-an-insurance-complaint. Mail: 1000 Washington Street, Suite 810, Boston, MA 02118.
  • AG: Office of the Attorney General, Consumer Advocacy and Response Division. Portal: mass.gov/how-to/file-a-consumer-complaint.

MD, Maryland

  • DOI: Maryland Insurance Administration. Portal: insurance.maryland.gov/Consumer. Mail: 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: marylandattorneygeneral.gov/Pages/CPD/complaint.aspx.

MI, Michigan

  • DOI: Michigan Department of Insurance and Financial Services. Portal: michigan.gov/difs/consumers/complaints. Mail: 530 West Allegan Street, 7th Floor, Lansing, MI 48933.
  • AG: Department of Attorney General, Consumer Protection Team. Portal: michigan.gov/ag/consumer-protection.

MN, Minnesota

  • DOI: Minnesota Department of Commerce, Insurance Division. Portal: mn.gov/commerce/consumers/file-a-complaint. Mail: 85 7th Place East, Suite 280, Saint Paul, MN 55101.
  • AG: Office of the Attorney General, Consumer Protection. Portal: ag.state.mn.us/consumer.

MO, Missouri

  • DOI: Missouri Department of Commerce and Insurance, Consumer Affairs Division. Portal: insurance.mo.gov/consumers/complaints. Mail: 301 West High Street, Room 530, Jefferson City, MO 65101.
  • AG: Office of the Attorney General, Consumer Protection Section. Portal: ago.mo.gov/file-a-complaint.

MS, Mississippi

  • DOI: Mississippi Insurance Department, Consumer Services. Portal: mid.ms.gov/consumer-services. Mail: 1001 Woolfolk Building, 501 North West Street, Jackson, MS 39201.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: ago.state.ms.us/divisions/consumer-protection.

NC, North Carolina

  • DOI: North Carolina Department of Insurance, Consumer Services Division. Portal: ncdoi.gov/consumers/file-a-complaint. Mail: 1201 Mail Service Center, Raleigh, NC 27699.
  • AG: Department of Justice, Consumer Protection Division. Portal: ncdoj.gov/file-a-complaint.

NE, Nebraska

  • DOI: Nebraska Department of Insurance. Portal: doi.nebraska.gov/consumer/file-complaint. Mail: 1135 M Street, Suite 300, Lincoln, NE 68508.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: protectthegoodlife.nebraska.gov.

NJ, New Jersey

  • DOI: New Jersey Department of Banking and Insurance, Office of Consumer Protection Services. Portal: nj.gov/dobi/consumerinfo.htm. Mail: 20 West State Street, Trenton, NJ 08625.
  • AG: Division of Consumer Affairs. Portal: njconsumeraffairs.gov/Pages/Consumer-Complaint-Forms.aspx.

NM, New Mexico

  • DOI: New Mexico Office of Superintendent of Insurance. Portal: osi.state.nm.us/consumer-services. Mail: 1120 Paseo de Peralta, Santa Fe, NM 87504.
  • AG: Office of the Attorney General, Consumer and Environmental Protection. Portal: nmag.gov/consumer-protection.

NV, Nevada

  • DOI: Nevada Division of Insurance. Portal: doi.nv.gov/Consumers/File_a_Complaint. Mail: 1818 East College Parkway, Suite 103, Carson City, NV 89706.
  • AG: Office of the Attorney General, Bureau of Consumer Protection. Portal: ag.nv.gov/Complaints/File_Complaint.

NY, New York

  • DOI: New York Department of Financial Services, Consumer Assistance Unit. Portal: dfs.ny.gov/consumers/file_a_complaint. Mail: One State Street, New York, NY 10004.
  • AG: Office of the Attorney General, Consumer Frauds Bureau. Portal: ag.ny.gov/consumer-frauds/filing-consumer-complaint.

OH, Ohio

  • DOI: Ohio Department of Insurance. Portal: insurance.ohio.gov/consumers/file-a-complaint. Mail: 50 West Town Street, 3rd Floor, Suite 300, Columbus, OH 43215.
  • AG: Office of the Attorney General, Consumer Protection Section. Portal: ohioattorneygeneral.gov/Individuals-and-Families/Consumers/File-a-Complaint.

OK, Oklahoma

  • DOI: Oklahoma Insurance Department, Consumer Assistance. Portal: oid.ok.gov/consumers/file-a-complaint. Mail: 400 NE 50th Street, Oklahoma City, OK 73105.
  • AG: Office of the Attorney General, Consumer Protection Unit. Portal: oag.ok.gov/consumer-protection.

OR, Oregon

  • DOI: Oregon Division of Financial Regulation. Portal: dfr.oregon.gov/help/complaints-licenses/Pages/file-complaint.aspx. Mail: 350 Winter Street NE, Room 410, Salem, OR 97301.
  • AG: Department of Justice, Consumer Protection. Portal: justice.oregon.gov/consumer.

PA, Pennsylvania

  • DOI: Pennsylvania Insurance Department, Bureau of Consumer Services. Portal: insurance.pa.gov/Consumers/File-A-Complaint. Mail: 1209 Strawberry Square, Harrisburg, PA 17120.
  • AG: Office of the Attorney General, Bureau of Consumer Protection. Portal: attorneygeneral.gov/submit-a-complaint.

SC, South Carolina

  • DOI: South Carolina Department of Insurance. Portal: doi.sc.gov/Complaint. Mail: 1201 Main Street, Suite 1000, Columbia, SC 29201.
  • AG: Office of the Attorney General, Consumer Protection. Portal: scag.gov/consumer-protection.

TN, Tennessee

  • DOI: Tennessee Department of Commerce and Insurance, Consumer Insurance Services. Portal: tn.gov/commerce/insurance/consumer-resources/file-a-complaint.html. Mail: 500 James Robertson Parkway, 4th Floor, Nashville, TN 37243-0574. Phone: 1-800-342-4029.
  • AG: Office of the Attorney General, Division of Consumer Affairs. Portal: tn.gov/attorneygeneral/working-for-tennessee/consumer/file-a-complaint.html.

TX, Texas

  • DOI: Texas Department of Insurance, Consumer Help Line. Portal: tdi.texas.gov/consumer/complfrm.html. Mail: 1601 Congress Avenue, Austin, TX 78701.
  • AG: Office of the Attorney General, Consumer Protection Division. Portal: texasattorneygeneral.gov/consumer-protection.

UT, Utah

  • DOI: Utah Insurance Department. Portal: insurance.utah.gov/consumer/complaints. Mail: 4315 South 2700 West, Suite 2300, Taylorsville, UT 84129.
  • AG: Office of the Attorney General, Division of Consumer Protection. Portal: dcp.utah.gov/complaints.

VA, Virginia

  • DOI: Virginia State Corporation Commission, Bureau of Insurance. Portal: scc.virginia.gov/pages/Insurance-Consumer-Resources. Mail: 1300 East Main Street, Richmond, VA 23219.
  • AG: Office of the Attorney General, Consumer Protection Section. Portal: oag.state.va.us/consumer-protection.

WA, Washington

  • DOI: Office of the Insurance Commissioner, Consumer Advocacy. Portal: insurance.wa.gov/file-complaint-or-check-your-complaint-status. Mail: 5000 Capitol Boulevard SE, Tumwater, WA 98501.
  • AG: Office of the Attorney General, Consumer Protection. Portal: atg.wa.gov/file-complaint.

WI, Wisconsin

  • DOI: Wisconsin Office of the Commissioner of Insurance. Portal: oci.wi.gov/Pages/Consumers/FileComplaint.aspx. Mail: 125 South Webster Street, Madison, WI 53703.
  • AG: Department of Justice, Office of Consumer Protection. Portal: doj.state.wi.us/ocp/file-consumer-complaint.

Federal parallel filings

  • No Surprises Help Desk (CMS) for any No Surprises Act balance billing. Portal: cms.gov/nosurprises/consumers/complaints-about-medical-billing. Phone: 1-800-985-3059.
  • CMS Hospital Price Transparency for any 45 CFR Part 180 violation. Portal: cms.gov/hospital-price-transparency/contact-us.
  • IRS § 501(r) for any non-profit hospital failing FAP duties. Form 13909 mailable to IRS EO Examinations Classification Office, 1100 Commerce Street, MC 4910 DAL, Dallas, TX 75242.
  • CFPB for any medical-debt credit-reporting issue. Portal: consumerfinance.gov/complaint.
  • HHS Office of Civil Rights for any HIPAA records-access violation. Portal: ocrportal.hhs.gov/ocr/smartscreen/main.jsf.
  • DOL Employee Benefits Security Administration for any ERISA plan-document violation. Phone: 1-866-444-3272. Portal: askebsa.dol.gov.

How the drafter uses this file

The drafter resolves the patient's home state (from HEALTHBILLS_PATIENT_STATE) and the biller's state (from BILLER_STATE_OVERRIDES if set, else assume patient's state). It picks DOI or AG based on the bad-actor classification:

  • Insurer (the EOB-issuing entity) → DOI of the patient's state.
  • Hospital, physician group, or other provider → AG Consumer Affairs of the state where services were rendered.
  • Third-party debt collector → AG of the patient's state AND CFPB at the federal level.

States not listed above (AK, DE, HI, ID, ME, MT, ND, NH, RI, SD, VT, WV, WY, plus DC and territories) are deliberately omitted from the initial public release of this file. They follow the same DOI / AG pattern; the drafter falls back to references/laws_state_template.md and asks the patient to confirm the agency name. Pull requests to fill these gaps are welcome.