The purposes of this chapter are to:
(a) promote public welfare by regulating insurance rates so that premiums are not excessive, inadequate, or unfairly discriminatory;
(b) promote quality and integrity in the databases used in workers' compensation insurance ratemaking;
(c) prohibit price fixing agreements and anticompetitive behavior by insurers;
(d) define the function and scope of activities of data service organizations; and
(e) encourage insurers to provide alternative innovative methods whereby employers can meet the requirements imposed by section 176.181 .