for the Commonwealth and has imposed strict statutory and regulatory restrictions on insurance companies, including compa nies that issue LTC policies. See generally, Pa.C.S. title 40. See also, e.g., 40 Pa.C.S. ch. 2, art. XI (establishing standards for long-term care insurance); 40 Pa.C.S. § 1109 (requiring copies of policies to be filed with the insurance commissioner); 31 Pa. Code ch. 89, subch. M (regulating long-term care insurance). Accordingly, courts in Pennsylvania and other jurisdictions have applied the filed rate doctrine to insurance premiums and have used it to bar plaintiffs from contesting premium increases approved by state regulatory agencies. See e.g., Stevens v. Union Planters Corp., no. civ. a. 00-CV-1695, 2000 WL 33128256, at *3 (E.D. Pa. Aug. 22, 2000) (<HOLDING>); Horwitz v. Bankers Life & Cas. Co., 745
holding that the filed rate doctrine precludes insureds fraudulent inducement claim holding that once a rate is filed with the appropriate agency except for review of the agencys orders the courts can assume no right to a different rate on that ground that in its opinion it is the only or the more reasonable rate holding that the filed rate doctrine barred private right of action for consumer fraud holding that under the filed rate doctrine a question regarding reasonable rates should be addressed to the department of insurance and that the rate plaintiff was charged is conclusively presumed reasonable under the filed rate doctrine holding that the respondents statelaw claims are barred by the filed rate doctrine