All Previous Years Health Plan Review Documents

For current year documents visit the Form and Rate Review section.

2017 Process and Documents

On August 17, 2017, Health Insurance Commissioner Marie Ganim, PhD announced her final decision on commercial health insurance premiums for 2018. She approved lower rates than those requested by most health insurers. The rising cost of medical care - the prices insurers pay to providers for particular services and the number of services members use - continues to be the main driver of health insurance premium growth. Also, the reinstatement of the federal health insurance tax adds up to 2% to premiums in some markets.

Press Release: 2018 Rate Announcement

2018 Rate Review All Market Requested and Approved Summary

Blue Cross Blue Shield of Rhode Island (BCBSRI), Neighborhood Health Plan of Rhode Island (NHPRI), Tufts Health Plan (Tufts), and United Healthcare (United) filed with the State of Rhode Island Office of the Health Insurance Commissioner (OHIC) to request approval for rates to be charged to individuals, small employers, and large employers effective in 2018.

BCBSRI and NHPRI have filed in the individual market. All four commercial health insurers have filed in the small employer market. BCBSRI, Tufts, and United have filed in the large employer market. OHIC has the responsibility of reviewing the rates with the goal of holding the insurers publicly accountable for making health insurance more affordable while ensuring their solvency.
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 July 27, 2017. There will also be a public input meeting on June 18, 2017 at 5:30pm at the State of Rhode Island Public Utilities Commission (89 Jefferson Boulevard, Warwick).


The documents below explain how to submit public comment to OHIC:

2017 Rate Review Process Public Input Session Agenda

2017 Small Employer Rate Review Detailed Summary

2017 Individual Rate Review Detailed Summary

2017 Public Comment Solicitation Rate Review Process

2017 Rate Review Process Large Group Detailed Summary

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For public access to the form and rate filings submitted on May 12, 2017 and June 16, 2017, please use the link below and enter in the SERFF Tracking numbers to access the filing. These submissions are currently under review by OHIC and are subject to change as the review process continues. Insurers filing in the individual and small group market are required to file a consumer disclosure form explaining their proposed rate increases. For access to the federal website on rate review, please visit: https://ratereview.healthcare.gov/.

RI SERFF Filings 2017
Access Rhode Island Rate Review SERFF Filings 

2018 Individual Market Contingency Filings
SERFF Tracking Numbers:

2017 BCBSRI Individual Submission (Form): BCBS-131178081
2017 BCBSRI Individual Submission (Rate): BCBS-131191183
2017 NHPRI Individual Submission (Form): NHRI-131187574
2017 NHPRI Individual Submission (Rate): NHRI-131188692


SERFF Tracking Numbers:
2017 BCBSRI Individual Submission (Form): BCBS-130979141
2017 BCBSRI Individual Submission (Rate): BCBS-131023122
2017 BCBSRI Small Group Submission (Form): BCBS-130979146
2017 BCBSRI Small Group Submission (Rate): BCBS-131023065
2017 BCBSRI Large Group Submission (Rate): BCBS-131023061
2017 NHPRI Individual Submission (Form): NHRI-130972744
2017 NHPRI Individual Submission (Rate): NHRI-130988977
2017 NHPRI Small Group Submission (Form): NHRI-130972843
2017 NHPRI Small Group Submission (Rate): NHRI-130989122
2017 United HMO Small Group Submission (Form): UHLC-130978061
2017 United PPO Small Group Submission (Form): UHLC-130980366
2017 United Small Group Submission (Rate): UHLC-131081175
2017 United Large Group Submission (Rate): UHLC-131031867
2017 Tufts HMO Small Group Submission (Form): THPC-130980553
2017 Tufts HMO Small Group Submission (Rate): THPC-131081744
2017 Tufts PPO Small Group Submission (Form): THPC-130980562
2017 Tufts PPO Small Group Submission (Rate): THPC-131081765
2017 Tufts Large Group Submission (Rate): THPC-131036470

Consumer Disclosures for Coverage Year 2018
(Updated as of 7/7/2017)

Blue Cross Individual 2018 Consumer Disclosure
Blue Cross Small Group 2018 Consumer Disclosure
NHP Individual 2018 Consumer Disclosure
NHP Small Group 2018 Consumer Disclosure
United Small Group HMO 2018 Consumer Disclosure
United Small Group PPO 2018 Consumer Disclosure
Tufts Small Group 2018 Consumer Disclosure


2017 BCBSRI Direct Pay Hearing Process

For public access to BCBSRI's individual market form and rate filing submitted on June 16, 2017, please use the link below and enter in the SERFF Tracking number to access the filing. Insurers filing in the individual and small group market were required to file a consumer disclosure form explaining their proposed rate increases (please see above).

Direct Pay Notice of Public Hearing Times

Access Rhode Island Rate Review SERFF Filings 

SERFF Tracking Number for Direct Pay:
2017 BCBSRI Individual Submission (Rate): BCBS-131023122

Blue Cross Direct Pay Hearing:
2017 BCBSRI Direct Pay hearings will be held July 20th and 21st, 2017 at 9:00 a.m. On July 20th, 2017 at 6:00 p.m. and July 21st, 2017 at 9:00 a.m. will be heard public comment at the Rhode Island Public Utilities Commission Hearing Room 89 Jefferson Blvd. Warwick, Rhode Island. 

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2016 Process and Documents

On August 11, 2016, Health Insurance Commissioner Kathleen C Hittner, MD announced her final decision on commercial health insurance premiums for 2017. She approved lower rates than those requested by most health insurers. The rising cost of medical care - the prices insurers pay to providers for particular services and the number of services members use - continues to be the main driver of health insurance premium growth.

Press Release: OHIC Approves Commerical Health Insurance Rates for 2017

Requested and Approved Summary for 2016 Rates for Individual, Small Group, & Large Group Markets 8/11/2016

On May 13, 2016, Blue Cross Blue Shield of Rhode Island (BCBSRI), Neighborhood Health Plan of Rhode Island (NHPRI), Tufts Health Plan (Tufts), and United Healthcare (United) filed with the State of Rhode Island Office of the Health Insurance Commissioner (OHIC) to request approval for rates to be charged to individuals, small employers, and large employers effective in 2017.

BCBSRI and NHPRI have filed in the individual market. All four commercial health insurers have filed in the small employer market. BCBSRI, Tufts, and United have filed in the large employer market. OHIC has the responsibility of reviewing the rates with the goal of holding the insurers publicly accountable for making health insurance more affordable while ensuring their solvency.

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 27, 2015. There will also be a public input meeting on June 22, 2016 at 5:30pm at the State of Rhode Island Public Utilities Commission (89 Jefferson Boulevard, Warwick).

The documents below explain how to submit public comment to OHIC:

2016 Rate Review Public Comments (Non-BCBSRI Direct Pay)

2016 Public Comment Solicitation Rate Review Process 06222016

2016 Rate Review Process Public Input Session Updated Agenda 2016

Individual Rate Review Detailed Summary 06142016

2016 Small Employer Rate Review Detailed Summary 06142016

2016 Rate Review Process Large Group Detailed Summary 06142016

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For public access to the form and rate filings submitted on May 13, 2016, please use the link below and enter in the SERFF Tracking numbers to access the filing. These submissions are currently under review by OHIC and are subject to change as the review process continues. Insurers filing in the individual and small group market are required to file a consumer disclosure form explaining their proposed rate increases. For access to the federal website on rate review, please visit: https://ratereview.healthcare.gov/.


RI SERFF Filings 2016
Access Rhode Island Rate Review SERFF Filings 
SERFF Tracking Numbers:
2016 BCBSRI Individual Submission (Form): BCBS-130505786
2016 BCBSRI Individual Submission (Rate): BCBS-130553707
2016 BCBSRI Small Group Submission (Form): BCBS-130516039
2016 BCBSRI Small Group Submission (Rate): BCBS-130553711
2016 BCBSRI Large Group Submission (Rate): BCBS-130553712
2016 NHPRI Individual Submission (Form): NHRI-130508098
2016 NHPRI Individual Submission (Rate): NHRI-130562545
2016 NHPRI Small Group Submission (Form): NHRI-130508104
2016 NHPRI Small Group Submission (Rate): NHRI-130562590
2016 United HMO Small Group Submission (Form): UHLC-130515390
2016 United PPO Small Group Submission (Form): UHLC-130515392
2016 United Small Group Submission (Rate): UHLC-130567098
2016 United Large Group Submission (Rate): UHLC-130569721
2016 Tufts HMO Small Group Submission (Form): THPC-130517176
2016 Tufts HMO Small Group Submission (Rate): THPC-130563630
2016 Tufts PPO Small Group Submission (Form): THPC-130517273
2016 Tufts PPO Small Group Submission (Rate): THPC-130563601
2016 Tufts Large Group Submission (Rate): THPC-130563634

Consumer Disclosures for Coverage Year 2017
(Updated as of 5/20/2016)

Blue Cross Individual 2017 Consumer Disclosure
Blue Cross Small Group 2017 Consumer Disclosure
NHP Individual 2017 Consumer Disclosure
NHP Small Group 2017 Consumer Disclosure
United Small Group HMO 2017 Consumer Disclosure
United Small Group PPO 2017 Consumer Disclosure
Tufts Small Group 2017 Consumer Disclosure

2016 BCBSRI Direct Pay Hearing Process

For public access to BCBSRI's individual market form and rate filing submitted on May 13, 2016, please use the link below and enter in the SERFF Tracking number to access the filing. Insurers filing in the individual and small group market were required to file a consumer disclosure form explaining their proposed rate increases (please see above).

Access Rhode Island Rate Review SERFF Filings 
SERFF Tracking Number for Direct Pay:
2016 BCBSRI Individual Submission (Rate): BCBS-130553707

Blue Cross Direct Pay Hearing:
2016 BCBSRI Direct Pay hearings were held June 28th and 29th, 2016 at 9:00 a.m. June 28th, 2016 at 6:00 p.m. and June 29, 2016 at 9:00 a.m. for public comment at the Rhode Island Public Utilities Commission Hearing Room 89 Jefferson Blvd. Warwick, Rhode Island. 

2015 Documents

Press Release: OHIC Approves Commercial Health Insurance Rates for 2016

Requested and Approved Summary for 2016 Rates in the Individual, Small Group, & Large Group Markets 9/10/2015

2015 All Markets Summary Rate Review Process 06222015

2015 Public Comment Solicitation Rate Review Process 06222015

2015 Rate Review Process Public Input Session Updated Agenda

2015 Individual Rate Review Process 06222015

2015 Small Employer Rate Review Process 06222015

2015 Rate Review Process Large Group Summary 06222015

Blue Cross Individual 2016 Consumer Disclosure

Blue Cross Small Group 2016 Consumer Disclosure

NHP Individual 2016 Consumer Disclosure

NHP Small Group 2016 Consumer Disclosure

United Individual 2016 Consumer Disclosure

United Small Group HMO 2016 Consumer Disclosure

United Small Group PPO 2016 Consumer Disclosure

Tufts Small Group 2016 Consumer Disclosure

ACA Disclosure Requirement

The Affordable Care Act includes features that promote transparency and hold insurers accountable for rate increases and how they spend your premium dollars. In compliance with this requirement OHIC publishes a list of all rate increase requests that meet or exceed 10 percent.

Rate Filings Justification for Rate Request of 10% or more
Company Name SERFF# Product Proposed Effective Date Requested Rate Increase HIOS roduct ID (Link to Consumer Disclosure)
No insurers in Rhode Island currently have proposed rate increases of 10% or more. Check back regularly for updates.
To comment on a proposed rate increase, email us at ohic.healthinsinq@ohic.ri.gov. Please reference the SERFF Number in your communication.

2015 BCBSRI Direct Pay Hearing Process

For public access to BCBSRI's individual market form and rate filing submitted on May 15, 2015, please use the link below and enter in the SERFF Tracking number to access the filing. Please note that this year, insurers filing in the individual and small group market were required to file a consumer disclosure form explaining their proposed rate increases.

Access Rhode Island Rate Review Serff Filings
SERFF Tracking Number for Direct Pay:

2015 BCBSRI Individual Submission: BCBS-130074424

Blue Cross Direct Pay Hearing:

2015 BCBSRI Direct Pay hearings were held July 7 and 8, 2015 at 9:00 a.m. July 7, 2015 at 6:00 p.m. and July 8, 2015 at 9:00 a.m. for public comment at the Rhode Island Public Utilities Commission Hearing Room 89 Jefferson Blvd. Warwick, Rhode Island. Notice of Public Hearing Final

Order and Decision

“Health Insurance Commissioner Kathleen C Hittner, MD announced her Amended Order and Decision on the insurance premium rate requested by Blue Cross Blue Shield of Rhode Island (BCBSRI) for its Direct Pay plans. The amended decision was developed in response to a Motion to Reconsider filed by Attorney General Peter F. Kilmartin. BCBSRI initially proposed an 18 percent increase to its direct pay rate. Hittner’s decision reduced the rate increase to 10.4 percent.”

Press Release 8/28/2015

Order and Decision of the Commissioner on Attorney General's Motion for Reconsideration 8/19/2015

Amended Order and Decision of the Commissioner 8/19/2015

Hearing Officer's Report and Recommendation

2014 Documents

Sol of Pub Com-Rate Review-Rates-2014

Summary-Rate Review-2014-Doc1

Summary-Rate Review-2014-Doc2

Filing-Rates-UHC-Small Group-April 2014

BCBSRI Direct Pay

Notice of Public Hearing-Rate Review-Direct Pay-BCBS-June 2014

Order-Rate Review-BCBS-Direct Pay-July 2014

Medicare Supplement

Sol of Pub Com-Rates-Colonial-Medicare Supp-July 2014

Filing-Colonial-Medicare Supp Standardized-July 2014

Filing-Rates-Colonial-Medicare Supp Stand-July 2014

Sol of Pub Com-Rate Increases-Colonial- Medicare Supplement-July 2014

Filing-UHC-Medicare Supp MIPPA-July 2014

Filing-Rates-UHC-Medicare Supp MIPPA-July 2014

Solicitation of Public Comment-UHC-Medicare Supplement-July 2014

Filing-Rates-UHC-Medicare Supp PreStand-July 2014

Sol of Pub Com-Rates-UHC-Medicare Supp-July 2014

Filing-UHC-Medicare Supp Standardized-July 2014

Filing-Rates-UHC-Medicare Supp-Stand-July 2014

Filing-UHC-Medicare Supp Pre-Standardized-July 2014

2013 Documents

Instructions-Rate Review-Jan 2013

Changes-Form Review-June 2013

Rate Approval Conditions-Rates-June 2013

Filing-Rates-Tufts-LG-May 2013

Sum-Submitted Rates-June 2013

Filing-Rates-Tufts-LG-May 2013

Filing-Rates-BCBS-small group-April 2013

Filing-Rates-Neighborhood-individual-April 2013

sol of pub com-rates-May 2013

Filing-Rates-BCBS-small group-April 2013

Filing-Rates-Neighborhood-Small group-April 2013

Filing-Rates-Neighborhood-individual-April 2013

Filing-Rates-BCBS-Large Group-May 2013

Filing-Rates-Neighborhood-Small group-April 2013

Filing-Rates-Neighborhood-Small group-April 2013

Filing-Rates-UHC-LG-May 2013

Filing-Rates-Tufts-Small Group-April 2013

Sum-submitted rates-large employer-May 2013

Filing-Rates-Tufts-LG-May 2013

HIAC Summary of Information Filed May 2013

Sum-Approved Rates-June 2013

BCBSRI Direct Pay

Notice of Public Hearing

Filing Rates BCBS Direct Pay-April 2013

AG Exhibits

OHIC Exhibits

Final Order and Decision

Medicare Supplement

Sol of Pub Com-BCBS- Medicare Supp (group)-2013

Filing-Rates-BCBS- Medicare Supp Standardized Group-2013

Filing-Rates-UHC- Medicare Supplement (standardized)-2013

Sol of Pub Com-Rate Review-Bankers- Medicare-Standardized(indiv)-2013

Filing-Rates-Colonial- Medicare Supp Standard-2013

Filing-Rates-UHC- Medicare Supplement (pre-standardized)-2013

Filing-Rates-UHC- Medicare Supplement MIPPA-2013

Filing-Bankers-Medicare Supp Standardized(indiv)-2013

Sol of Pub Com-Rates-BCBS- Medicare Supp (indiv)-2013

Sol of Pub Com-Rates-Colonial- Medicare Supp-2013

2012 Documents

HIAC Rate Review Process Guidelines April 2012

Order-Rates-Sept 2012

Filing-Rates-BCBS-May 2012

Clarification of rate decision-BCBS-Oct 2012

Conditions-Rates-June 2012

Filing-rates-Tufts-Oct 2012

Sum-rates-BCBS-SG and LG-Dec 2012

Filing-rates-BCBS-SG-Dec 2012

Response-Conditions-Rates-June 2012

Pub Coms-Rates-June 2012

Sol of Pub Com-rates-BCBS-Dec 2012

Pub Coms-rates-BCBS-Dec 2012

Sum-Rates-Aug 2012-Doc 1 and Sum-Rates-Aug 2012-Doc 2

Sol of Pub Com-Rates-May 2012

Order-Rates-Sept 2012

Sum-rates-BCBS-Dec 2012

BCBSRI Direct Pay

Filing-Rates-BCBS-indiv-Nov 2011

Note: The document above is a new submission made in 2011 for the rate for 2012.

Filing (updated)-rates-BCBS-indiv-March 2011

Order Appointing Hearing Officer-rates-BCBS-indiv-Nov 2011

Hearing Officer Decision-rates-BCBS-indiv-2011

List of Exhibits for Hearing-Rates-BCBS-Indiv-January 2011

AG Exhibit A-Rates-BCBS-Indiv-Jan 2011

AG Exhibit B-Rates-BCBS-Indiv-Jan 2011

AG Exhibit C-Rates-BCBS-Indiv-Jan 2011

AG Exhibit D-Rates-BCBS-Indiv-Jan 2011

AG Exhibit E-Rates-BCBS-Indiv-Jan 2011

AG Exhibit F-Rates-BCBS-Indiv-Jan 2011

AG Exhibit G-Rates-BCBS-Indiv-Jan 2011

AG Exhibit H-Rates-BCBS-Indiv-Jan 2011

AG Exhibit I-Rates-BCBS-Indiv-Jan 2011

AG Exhibit J-Rates-BCBS-Indiv-Jan 2011

AG Exhibit K-Rates-BCBS-Indiv-Jan 2011

AG Exhibit L-Rates-BCBS-Indiv-Jan 2011

AG Exhibit M-Rates-BCBS-Indiv-Jan 2011

AG Exhibit N-Rates-BCBS-Indiv-Jan 2011

AG Exhibit O-Rates-BCBS-Indiv-Jan 2011

AG Exhibit P-Rates-BCBS-Indiv-Jan 2011

AG Exhibit Q-Rates-BCBS-Indiv-Jan 2011

AG Exhibit R-Rates-BCBS-Indiv-Jan 2011

AG Exhibit S-Rates-BCBS-Indiv-Jan 2011

AG Exhibit T-Rates-BCBS-Indiv-Jan 2011

AG Exhibit U-Rates-BCBS-Indiv-Jan 2011

AG Exhibit V-Rates-BCBS-Indiv-Jan 2011

AG Exhibit W-Rates-BCBS-Indiv-Jan 2011

Filing of Subscription Rates

Filing Rates BCBS Direct Pay 2012

Sol of Pub Com-rates-BCBS-indiv-Jan 2012

Public Comments-Jan 2012

Request for Clarification

Order Appointing Hearing Officer

Press Release- Final Order

Final Order and Decision

Medicare Supplement

Filing-UHC-Medicare Supp (MIPPA)-Sept 2012

Sol of Pub Com-UHC-Medicare Supp-Oct 2012

Sol of Pub Com-Rates-Colonial-Medicare Supp-Oct 2012

FIling-rates-Bankers-Medicare Supp Stand-June 2012

Filing-rates-Colonial-Medicare Supp (standard)-Sept 2012

FIling-rates-BCBS-Medicare Supp Stand-July 2012

Sol of Pub Com-rates-Bankers-Medicare Supp-Aug 2012

Sol of Pub Com-rates-BCBS-Medicare Supp-Aug 2012

Filing-UHC-Medicare Supp (stand)-Sept 2012

Filing-rates-UHC-Medicare Supp (pre-stand)-Sept 2012