Modifies provisions relating to tort actions based on improper health care

HB 88 modifies how insurance rates for healthcare providers are regulated in Missouri. It gives the Insurance Director authority to review if rates charged to hospitals, doctors, long-term care facilities, and other health care providers are excessive, inadequate, or unfairly discriminatory, considering factors like Missouri-specific claim data, insurer costs, and local practice locations. Insurers must file rate requests for review before implementation, and can adjust premiums based on factors like facility equipment, past claims history, or staff training. This directly affects healthcare providers and their insurers by changing the process for setting and approving malpractice insurance rates.