Insurance Market Reform

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FL-Request for MLR Waiver

Mar 2011

Florida Request for an Adjustment of the Medical Loss Ratio Standard


HHS-MLR Decision Letter to Maine

Mar 2011

In a letter to Maine’s Superintendent of Insurance, Mila Kofman, HHS outlined the terms of the MLR waiver and HHS’s reasons for approving the state’s request.


HHS-MLR Interim Final Rule

Mar 2011

The ACA requires that carriers covering large employers spend at least 85 percent of premiums paid on claims or quality improvements, and carriers covering small group and individual insurers spend 80 percent, or refund the difference to policyholders, beginning in 2012.


ME-Maine Request for Medical Loss Ratio Waiver

Mar 2011

On March 8, Maine became the first state to be granted a waiver from the medical loss ratio (MLR) requirement of the Affordable Care Act (ACA). 


LA-Medical Loss Ratio Waiver Request Letter

Mar 2011

Louisiana Insurance Commissioner Jim Donelon requested a two-year MLR waiver, dropping the spending requirements to 70 percent in 2011, 75 percent in 2012 and then hitting the federal 80 percent target in 2013.


HHS-New Resources Available to Increase Awareness of Pre-exiting Condition Insurance Plans

Mar 2011

Department of Health and Human Services (HHS) announced that it made new resources available to states, members of the media, consumer groups, providers, and others to increase awareness of the pre-existing condition insurance plans (PCIPs), the temporary high-risk pools implemented to provide comprehensive health coverage to people who have been unable to obtain coverage because of a pre-existing condition.


CMWF-The Essential Health Benefits Provision of the Affordable Care Act: Implications for People with Disabilities

Mar 2011

This issue brief examines how the essential benefits provision in the Affordable Care Act will help Americans with disabilities, who currently are subject to discrimination by insurers based on health status and health care need.


CU-An Advocate’s Guide to Health Insurance Rate Hikes: What You Can Do To Protect Individual Market Consumers

Mar 2011

A guide written by Consumers Union to answer key questions about insurance rate hikes.


HA-Issues In Health Reform: How Changes In Eligibility May Move Millions Back And Forth Between Medicaid And Insurance Exchanges

Mar 2011

This Health Affairs article lays out the issues changes in eligibility may have on individuals whose incomes flucuate throughout the year.

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