From:  The Hill' Blog "Briefing Room"

Some states fail to review unreasonable insurance rates, Kaiser finds

Vigilance of unreasonable premium hikes might be lax in some states despite their robust authority to review and approve rates, according to a new Kaiser Family Foundation study.

The study found many states might only disapprove rates in select situations, such as for certain insurers or products. Further, many states not have enough staff to review all filed rates, and some automatically approve rates if they are not reviewed within a month or two.

Continues.

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Now why would the states let high rates go through?  They are ignoring their own guidelines! 
Look at the study. The Study contains links [you need to write down and type in the URL to get to the page; cannot click - it's not working well with that pdf file]. It's 44 pages long; I plan to read this closely once again over the weekend.