SECTION 1. Chapter 152 of the General Laws is hereby amended by striking out section 52D and inserting in place thereof the following section:-

Section 52D. Any member of or subscriber to a rating organization may appeal to the commissioner from the action or decision of such rating organization in approving or rejecting any proposed change in or addition to the filings of such rating organization and the commissioner shall, after a hearing held upon not less than ten days' written notice to the appellant and to such rating organization, and within a reasonable period of time,  issue an order approving or rejecting the action or decision of such rating organization. If such appeal is from the action or decision of the rating organization in rejecting a proposed addition to its filings, in the event he finds that such action or decision was unreasonable, he may issue an order directing the rating organization to make an addition to its filings, on behalf of its members and subscribers, in a manner consistent with his findings, within a reasonable time after the issuance of such order.

Every rating organization and every insurer which makes its own rates shall, within a reasonable period of time after receiving written request therefor and upon payment of such reasonable charge as it may make, furnish to any insured affected by a rate made by it, or to the authorized representative of such insured, all pertinent information as to such rate. Every rating organization and every insurer which makes its own rates shall provide within the commonwealth reasonable means whereby any person aggrieved by the application of its rating system may be heard, person or by his authorized representative, on his written request to review the manner in which such rating system has been applied in connection with the insurance afforded him.

If the rating organization or insurer does not make a determination within thirty days after the appeal is made, the applicant may proceed in the same manner as if his application had been rejected. Any party affected by the action of such rating organization or such insurer on such request may, within thirty days after written notice of such action, appeal to the commissioner, who, after a hearing held upon not less than ten days' written notice to the appellant and to such rating organization or insurer, shall affirm or reverse such action.  Nothing in this section prevents a member or subscriber from exercising the rights and remedies available under applicable state or federal law relating to internal and external grievance and appeals processes.