Insurance Market Reform

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.

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.

Florida Request for an Adjustment of the Medical Loss Ratio Standard

Georgia Request for an Adjustment of the Medical Loss Ratio Standard

Iowa Request for an Adjustment of the Medical Loss Ratio Standard