Stephanie Macro O'Neill

Stephanie M. O'Neill Macro

Of Counsel



Stephanie O'Neill Macro’s practice focuses on insurance regulatory and transactional matters. She has more than 20 years of experience with a wide range of issues, including insurance company mergers and acquisitions; formation and licensing of insurance entities; holding company system act matters, including change of control, affiliate transactions and enterprise risk reporting; Own Risk Self-Assessment (ORSA); and entry and withdrawal from markets. Stephanie assists clients with addressing day-to-day compliance issues on nationwide basis in areas such as sales and distribution matters, including producer licensing issues; product development and implementation; use of predictive modeling and data analytics in underwriting and rating; privacy and information management; document retention issues; corporate governance; InsurTech compliance issues; and the Affordable Care Act. She conducts internal corporate reviews of insurance companies to identify fraud and statutory insurance violations. Stephanie assists insurance companies in responding to insurance department investigations, single state and multi-state market conduct exams, and enforcement actions.

Stephanie’s clients include insurers in all lines (property & casualty, life, annuity, accident and health) conducting business on a nationwide basis. Her clients also include managed care entities such as Health Maintenance Organizations and PPOs. She also represents TPAs and brokers and agents. In addition, she frequently represents both vehicle and home service contract providers in addressing licensing and compliance issues.

Stephanie also has experience with insurance insolvency and guaranty fund matters. She previously represented insurance receivers handling both rehabilitations and liquidations of insurers. In addition, she has assisted policyholders and creditors of troubled insurance companies with developing strategies to minimize the impact of an impending insolvency and related regulatory issues.

Stephanie frequently attends the National Association of Insurance Commissioner (NAIC), Association of Insurance Compliance Professionals, and other insurance regulatory industry meetings. 

Prior to entering private practice, Stephanie was director of Health Care Policy and Member Services at Illinois Association of HMOs.