2013 Health Insurance Premium Rate Review Process
Today Health Insurance Commissioner Christopher F. Koller announced his final decision to approve significantly lower premium increases for individuals and small and large employers that purchase their coverage through Blue Cross Blue Shield of Rhode Island (BCBSRI), Neighborhood Health Plan of Rhode Island (NHPRI), Tufts Health Plan (Tufts) and United Healthcare (United).
Commissioner Koller also reviewed each health insurer's contracts to ensure plans sold in Rhode Island meet benefit, access, and member cost sharing standards required by the State and the Affordable Care Act (ACA).
The review was for products to be sold in Rhode Island for coverage commencing in 2014.
2013 Rate Review Process Final Decision Press Release
Requested and Approved Summary
Rate Approval Conditions
Benefit Relativity Factor Summary
2013 BCBSRI I Submission 41513 Final
2013 NHPRI I Submission 41513 Final
2013 BCBSRI SG Submission 41513 Final
2013 NHPRI SG Submission 41513 Final
2013 Tufts SG Submission 41513 Final
2013 United SG Submission 41513 Final
2013 BCBSRI LG Submission 51513 Final
2013 Tufts LG Submission 51513 Final
2013 United LG Submission 51513 Final
The document below depicts the essential health benefits base rate and the key assumptions behind its development for the individual and small employer group markets.
2013 Rate Review Process Individual and Small Employer EHB Base Rate Summary 52313 Final
2013 Rate Review Process Large Employer Submission Summary 52413 Final
As a part of its review of the rates filed, OHIC is soliciting public comment on what has been submitted by the insurers. OHIC believes that public input is essential and will take all input received into account in developing its final decision. All public comments must be received by OHIC by June 12, 2013. The document below explains how to submit public comment to OHIC
2013 Rate Review Process Public Comment Solicitation 52213 Final
2013 Rate Review Process Public Input Meeting Agenda 52913 Final
2013 Rate Review Process Rate Approval Conditions 61413
The document below shows the filed and approved average premium rate increases or the individual, small group, and large group markets for 2010 through 2013.
2013 Rate Review Process Rate Increases History 52113 Final
Form and Rate Filing Instructions 6-17-2013 final
2013 Stand-Alone Dental PlansRIHBE Age-Based Rating Tables
2013 Pediatric Dental Coverage RIHBE Memo 6-17-2013 final
2013 Stand-Alone Dental Plans RIHBE Offering Criteria 6-17-2013 final