Once the Division receives your complaint, it will forward a copy of your complaint to your health insurer for a response. Your insurer has ten days to respond. The Division will evaluate your case to determine whether your insurer violated any laws. If it did, the Division will refer the matter to the Investigative Division. The Division will notify you if it refers your case or if a decision is reached. The Division may require your health insurer to comply with your health policy and may also fine the insurer or issue it a citation.