Once the Department receives your complaint, it will forward a copy to your health insurer and ask for a response. For policies issued before July 1, 2016, the insurer has 35 days to respond to the complaint. For policies issued after July 1, 2016, the insurer has 60 days to respond to the complaint. The Department will complete an investigation and provide you with a decision.[17] The Department may force the insurer to comply with the policy, issue a citation, or fine the insurer if it finds the insurer has violated a state law or regulation.