Nick Gerhart, Author at Insurance Thought Leadership



Nick Gerhart

Nick Gerhart

Nick Gerhart served as insurance commissioner of the state of Iowa from Feb. 1, 2013 to January, 2017. Gerhart served on the National Association of Insurance Commissioners (NAIC) executive committee, life and annuity committee, financial condition committee and international committee. In addition, Gerhart was a board member of the National Insurance Producer Registry (NIPR).

Gerhart was named by the U.S. Treasury in 2014 to serve on the Federal Advisory Committee on Insurance (FACI) that advised the federal insurance office on domestic and international policy. He has represented the NAIC at the international association of insurance supervisors and at the EU-US dialogue project.

Gerhart is a recognized thought leader on healthcare matters and has been at the forefront during the implementation of the Affordable Care Act. He also led the team that created and hosted the global insurance symposium in Des Moines, Iowa, an event that attracted more than 350 people from all over the world to discuss emerging issues in insurance. Gerhart is passionate about educating Iowans on insurance and investment matters and created Iowa Fraud Fighters, a statewide initiative that aims to educate seniors on how to protect themselves and not fall prey to fraudulent investment scams.

Before being appointed insurance commissioner by Iowa Gov. Terry Branstad, Gerhart worked at Sammons Financial Group and American Equity Investment Life Insurance.

Gerhart is active in the Des Moines community and currently serves as vice chair of the Iowa Homeless Youth Centers. He earned his law degree and health law certificate from St. Louis University School of Law and a masters of health administration from St. Louis University School of Public Health. He earned a BA from the University of Northern Iowa.

Recent Articles by Nick Gerhart

10 Ways to Fix Obamacare

After a Sunday church service, fellow parishioners approached me with empathy about the prospect of dealing with healthcare after Tuesday’s election. I know this is just the beginning of what state insurance regulators will face as consumers bring us an array of questions regarding the future of the Affordable Care Act (ACA). Will it be repealed? Will […]

What Will Trump Mean for State Regulation?

Insurance is regulated by states, and the states’ laws are implemented and administered by state insurance commissioners. This was affirmed in 1945 by the McCarran-Ferguson Act. Under that act, states regulate the business of insurance unless the U.S. Congress decides otherwise. In the past six years, the federal government has with regularity encroached on areas […]

Snoopy the Destroyer? Nope, Nothing to Fear

After my 10-year old daughter caught me reading “Snoopy the Destroyer,” Paul Krugman’s column in the April 11, 2016, New York Times, I had to reassure her that Snoopy was still safe to watch. Krugman may scare little girls with his article arguing for more federal regulation of financial institutions, including MetLife, owner of the […]

What Is Right Balance for Regulators?

As Iowa’s insurance commissioner, I meet with many innovators whose work affects the insurance industry. A major topic we discuss is the continual debate of innovation vs. regulatory oversight. This debate will be front and center during the Global Insurance Symposium in Des Moines when federal regulators, state regulators, industry leaders and leading innovators come together for […]

What I Learned at Google

As a regulator, I am often told I thwart innovation. To the contrary, I am very open-minded and excited by many of the innovative ideas I see and read about. Recently, I participated in an event at the Google campus with insurance experts from around the globe for a day of collaboration and learning. It […]

Fraud: the Cost You Will Never See

Do you know one of the large drivers of your insurance costs may be something you will never see listed as a line item by your agent or insurer? This is not a hidden fee the industry masks. It is not one you could ever find or have disclosed. It is the cost we all […]

A Commissioner’s View of Innovation

There’s a thundering herd running through Iowa this year — and not just the herd of presidential candidates. There also is a herd of technological innovators driving considerable change in insurance. Many people find it intriguing that technology innovators are coming through Iowa, but Iowa is an insurance state and home to some of the […]

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