The department said that nearly all companies were continuing to renew policies.

Reinsurers have long offered protection against terrorist attacks, but now many are hinting that they will not renew expiring policies.

All also have regulations regarding withdrawing from an insurance market and canceling or declining to renew existing policies.

Requiring companies to renew policies and not exclude individuals from group policies would also be relatively simple.

Insurers are removing wind coverage from some plans, not renewing policies and even pulling out of coastal markets altogether.

Medicare beneficiaries may still renew policies they already have.

And in some cases, he said, the carriers are simply declining to renew policies when they expire.

So, the state has ordered insurance companies to allow people to renew or request new policies with the lower rates beginning April 21.

Parks and playing fields that were shut when insurance companies refused to renew policies are open again.

The law implements strong reforms that prohibit insurance companies from refusing to sell coverage or renew policies because of an individual's pre-existing conditions.