Insurers > Regulatory Actions>2012 Rate Factor Review

2012 Health Insurance Rate Factor Review for 2013

On December 7, 2012, Blue Cross Blue Shield of Rhode Island filed with the State of Rhode Island Office of the Health Insurance Commissioner to request changes to the company’s rate components previously approved by Commissioner F. Koller on September 21, 2012 for rates effective in 2013.

     December 2012 BCBSRI Submission Press Release 2813 Final
     December 2012 BCBSRI Submission Final Decision Summary 2813 Final
     Public Comments on BCBSRI December Submission
     December 2012 BCBSRI Submission 120712 Final
     December 2012 BCBSRI Submission Summary 121412 Final
     December 2012 BCBSRI Submission Public Comment Solicitation Final
     December 2012 BCBSRI Submission Public Input Meeting Agenda Final

Health Insurance Commissioner Lowers 2013 Health Insurance Premium Increases for Tufts Health Plan Subscribers

Health Insurance Commissioner Christopher F. Koller announced his approval of 2013 health insurance premium increases for small and large employers who purchase their coverage from Tufts Health Plan that are lower than those previously approved in September 2012.

     October 2012 Tufts Submission Press Release
     October 2012 Tufts Submission

Public Comment Solicitation

OHIC is soliciting public comment on the issuer submissions. Written comments may be sent to by June 21, 2012 and oral comments may be offered at a public input meeting to be held on June 11, 2012 from 4:30 P.M. to 6:00 P.M. at the State of Rhode Island Public Utilities Commission, 89 Jefferson Boulevard in Warwick.

     2012 RR Comments Call
     2012 RR Public Meeting Agenda
     Public Comments Rate Review 2012


     2012 Insurer RR Administration Costs Analysis
     2012 Rate Review Historical Analysis
     Rate Review Issuers Summary

Press Releases:

     Press Release1 Rate Factor Filings

Issuer Submissions Filed - May 18, 2012

     BCBSRI 2012 RR Submission
     Tufts 2012 RR Submission
     United 2012 RR Submission

2012 Hospital Contracting Conditions Standard Public Meeting

OHIC has provided the following guidance to the health plans for the annual small and large employer group rate factor filings.

     2012 Rate Review Process Guidance Letter
     2012 Rate Review Process Supplementary Guidance Letter
     2012 Rate Review Process Supplementary Guidance Letter 2
     2012 Rate Review Process Areas of Medical Expense Variation
     2012 Rate Review Process RI Annual Health Statement Supplemen
     2012 Rate Review Process Small & Lg Group Rate Filing Template
     2012 Rate Review Process Provider-Hospital Contracting Questionnaire
     2012 Rate Review Process Administrative Costs Request
     2012 Rate Review Process Health System Improvements Survey

Every year, Rhode Island health insurers propose premium increases for the small and large group markets. OHIC reviews these proposals, taking into account past company performance, market trends and, importantly, key benchmarks from around our region. OHIC commissioned Wakely Consulting Group to analyze certain metrics, allowing OHIC to assess the reasonability of submissions from RI’s health insurers. The results of this effort are presented in the following report.

     Report OHIC Regional Benchmarking 2012





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