All Previous Years Health Plan Review Documents

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

2024 Process and Documents

2024 Rate Review Process Press Release - Approved Rates

2024 Rate Review All Market Requested and Approved Summary

OHIC 2024 Commercial Health Insurance Rate Review Actuarial Memos

RIAG Memo BCBSRI

RIAG Memo NHPRI

RIAG Memo UnitedHealthcare

RIAG Memo Harvard Pilgrim

RIAG Memo Aetna

RIAG Memo Cigna

RIAG Memo Trend Support for Aetna, Cigna, and UHC

Point32Health (HPIC/HPHC) Response to RIAG Actuary Review

For public access to the form and rate filings submitted on May 1, 2023 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 (Coverage/Plan Year 2024)

Access Rhode Island Rate Review SERFF Filings

SERFF Tracking Numbers:

2024 BCBSRI Individual Submission (Form): BCBS-133618214

2024 BCBSRI Individual Submission (Rate): BCBS-133633817

2024 BCBSRI Small Group Submission (Form): BCBS-133618228

2024 BCBSRI Small Group Submission (Rate): BCBS-133633617

2024 BCBSRI Large Group Submission (Rate): BCBS-133633622

2024 NHPRI Individual Submission (Form): NHRI-133604913

2024 NHPRI Individual Submission (Rate): NHRI-133659270

2024 NHPRI Small Group Submission (Form): NHRI-133604967

2024 NHPRI Small Group Submission (Rate): NHRI-133659277

2024 UHCNE Small Group Submission (Form): UHLC-133620984

2024 UHIC Small Group Submission (Form): UHLC-133622518

2024 UHCNE Small Group Submission (Rate): UHLC-133647730

2024 UHIC Small Group Submission (Rate): UHLC-133647720

2024 United Large Group Submission (Rate): UHLC-133647781

2024 HPHC NE HMO Small Group Submission (Form): HPHC-133599222

2024 HPHC NE HMO Small Group Submission (Rate): HPHC-133654011

2024 HPHC PPO Small Group Submission (Form): HPHC-133605735

2024 HPHC PPO Small Group Submission (Rate): HPHC-133655334

2024 HPHC Large Group Submission (Rate): HPHC-133655859

2024 Aetna Large Group Submission (Rate): AETN-133595954

2024 Cigna Large Group Submission (Rate): CCGP-133657941

2023 Process and Documents

2023 Rate Review Process Press Release - Approved Rates

2023 Rate Review All Market Requested and Approved Summary

OHIC 2023 Commercial Health Insurance Rate Review Actuarial Memos

OHIC 2023 BCBSRI Individual Market Rate Review Decision and Order

Office of the Attorney General Comments and Actuarial Reports

BCBSRI Direct Pay Comments

Group Market Public Comments

2023 Rate Review Process Press Release - Requested Rates

2023 Public Comment Solicitation Rate Review Process

2023 Small Employer Rate Review Detailed Summary

2023 Large Group Rate Review Detailed Summary

2023 Individual Rate Review Detailed Summary

For public access to the form and rate filings submitted on May 16th, 2022 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 (Coverage/Plan Year 2023)

Access Rhode Island Rate Review SERFF Filings

SERFF Tracking Numbers:

2023 BCBSRI Individual Submission (Form): BCBS-133192268

2023 BCBSRI Individual Submission (Rate): BCBS-133257099

2023 BCBSRI Small Group Submission (Form): BCBS-133192284

2023 BCBSRI Small Group Submission (Rate): BCBS-133266044

2023 BCBSRI Large Group Submission (Rate): BCBS-133257152

2023 NHPRI Individual Submission (Form): NHRI-133210724

2023 NHPRI Individual Submission (Rate): NHRI-133254005

2023 NHPRI Small Group Submission (Form): NHRI-133211203

2023 NHPRI Small Group Submission (Rate): NHRI-133253960

2023 UHCNE Small Group Submission (Form): UHLC-133213195

2022 UHIC Small Group Submission (Form): UHLC-133205806

2022 UHCNE Small Group Submission (Rate): UHLC-133266083

2023 UHIC Small Group Submission (Rate): UHLC-133264794

2023 United Large Group Submission (Rate): UHLC-133251611

2023 Tufts HMO Small Group Submission (Form): THPC-133208547

2023 Tufts HMO Small Group Submission (Rate): THPC-133262514

2023 Tufts PPO Small Group Submission (Form): THPC-133208730

2023 Tufts PPO Small Group Submission (Rate): THPC-133256978

2023 Tufts Large Group Submission (Rate): THPC-133259808

2023 Aetna Large Group Submission (Rate): AETN-133227921

2023 Cigna Large Group Submission (Rate): CCGP-133245835

2022 Process and Documents

2022 Rate Review Documents:

2022 Rate Review Process Press Release - Requested Rates

2022 Public Comment Solicitation Rate Review Process

2022 Small Employer Rate Review Detailed Summary

2022 Large Group Rate Review Detailed Summary

2022 Individual Rate Review Detailed Summary

Final 2022 Rate Review All Market Requested and Approved Summary 2021

2022 Commercial Health Insurance Rate Review - Actuarial Memoranda

2022 Rate Review Public Comments and Objections

OHIC Approves 2022 Health Insurance Premiums

Recording - Virtual Town Hall 2022 Rate Requests

For public access to the form and rate filings submitted on May 17th, 2021 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 (Coverage/Plan Year 2022)

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SERFF Tracking Numbers:

2022 BCBSRI Individual Submission (Form): BCBS-132755366

2022 BCBSRI Individual Submission (Rate): BCBS-132812175

2022 BCBSRI Small Group Submission (Form): BCBS-132755149

2022 BCBSRI Small Group Submission (Rate): BCBS-132812180

2022 BCBSRI Large Group Submission (Rate): BCBS-132812218

2022 NHPRI Individual Submission (Form): NHRI-132780045

2022 NHPRI Individual Submission (Rate): NHRI-132837475

2022 NHPRI Small Group Submission (Form): NHRI-132781737

2022 NHPRI Small Group Submission (Rate): NHRI-132837484

2022 United HMO Small Group Submission (Form): UHLC-132790709

2022 United PPO Small Group Submission (Form): UHLC-132789852

2022 United Small Group Submission (Rate): UHLC-132831076

2022 United Large Group Submission (Rate): UHLC-132832318

2022 Tufts HMO Small Group Submission (Form): THPC-130980553

2022 Tufts HMO Small Group Submission (Rate): THPC-132825527

2022 Tufts PPO Small Group Submission (Form): THPC-130980562

2022 Tufts PPO Small Group Submission (Rate): THPC-132825860

2022 Tufts Large Group Submission (Rate): THPC-132839660

2022 Aetna Large Group Submission (Rate): AETN-132806602

2022 Cigna Large Group Submission (Rate): CCGP-132802696

Consumer Disclosures for Coverage Year 2022

(Updated as of 6/29/2021)

Blue Cross Individual 2021 Consumer Disclosure

Blue Cross Small Group 2021 Consumer Disclosure

NHP Individual 2021 Consumer Disclosure

NHP Small Group 2021 Consumer Disclosure

United Small Group HMO 2021 Consumer Disclosure

United Small Group PPO 2021 Consumer Disclosure

Tufts Health Plan Small Group HMO 2021 Consumer Disclosure

Tufts Health Plan Small Group PPO 2021 Consumer Disclosure

Rhode Island's Essential Health Benefits Benchmark Plan for plan year 2020 and beyond

Beginning in 2014, the federal Affordable Care Act required health plans sold in the individual and small group markets to offer a comprehensive package of items and services, known as “essential health benefits.” According to federal regulations, Rhode Island chose Blue Cross Blue Shield’s Small Group Vantage Blue plan sold in 2012 as RI’s benchmark plan for use in the 2014-2016 plan years. For plan years 2017-2019, the Office of the Health Insurance Commissioner retained the existing plan but the one sold in plan year 2014.

For plan year 2020 and beyond, the Office of the Health Insurance Commissioner, upon review and in collaboration with CMS/CCIIO, has decided to retain RI’s existing EHB Benchmark Plan which is Blue Cross Blue Shield of RI’s 2014 Small Group Vantage Blue.

The document listed below exhibits the Benchmark Plan selection of the State of Rhode Island for Essential Health Benefits purposes. Please note: Language clarifying the inclusion of Methadone coverage was added after the original 2014 EHB plan selection. This clarification intended to affirm continued compliance with federal parity obligations and allay consumer concerns regarding the appearance of non-compliance in the original benchmark plan documents.

VantageBlue PDF file, about 3

MetLife Federal Dental Plan PDF file, less than 1

2020 Process and Documents

2020 Rate Review Documents:

OHIC Approves 2021 Health Insurance Rates

Final 2021 Rate Review All Market Requested and Approved Summary

Press Release - 2020 Requested Commercial Health Insurance Rates

2020 Public Comment Solicitation Rate Review Process

2020 Small Employer Rate Review Detailed Summary

2020 Large Group Rate Review Detailed Summary

2020 Individual Rate Review Detailed Summary

2020 Rate Review Public Comments and Analysis of the Office of the Attorney General

____________________________________________________

For public access to the form and rate filings submitted on June 18th, 2020 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 2020 (Coverage Year 2021)

Access Rhode Island Rate Review SERFF Filings

SERFF Tracking Numbers:

2020 BCBSRI Individual Submission (Form): BCBS-132316116

2020 BCBSRI Individual Submission (Rate): BCBS-132404728

2020 BCBSRI Small Group Submission (Form): BCBS-132313971

2020 BCBSRI Small Group Submission (Rate): BCBS-132365724

2020 BCBSRI Large Group Submission (Rate): BCBS-132405333

2020 NHPRI Individual Submission (Form): NHRI-132320932

2020 NHPRI Individual Submission (Rate): NHRI-132426358

2020 NHPRI Small Group Submission (Form): NHRI-132320982

2020 NHPRI Small Group Submission (Rate): NHRI-132426392

2020 United HMO Small Group Submission (Form): UHLC-132322591

2020 United PPO Small Group Submission (Form): UHLC-132320515

2020 United Small Group Submission (Rate): UHLC-132382610

2020 United Large Group Submission (Rate): UHLC-132382603

2020 Tufts HMO Small Group Submission (Form): THPC-132323333

2020 Tufts HMO Small Group Submission (Rate): THPC-132425848

2020 Tufts PPO Small Group Submission (Form): THPC-132323406

2020 Tufts PPO Small Group Submission (Rate): THPC-132425806

2020 Tufts Large Group Submission (Rate): THPC-132425850

2020 Aetna Large Group Submission (Rate): AETN-132402219

Premium Credit Filing

Premium Credit Instructions - 2020

2019 Process and Documents

2019 Rate Review Documents:

Press Release: 2020 Requested Commercial Health Insurance Rates

2019 Public Comment Solicitation Rate Review Process

Final 2020 Rate Review All Market Requested and Approved Summary

2019 Small Employer Rate Review Detailed Summary

2019 Large Group Rate Review Detailed Summary

2019 Individual Rate Review Detailed Summary

2019 Individual Rate Review Detailed Summary with Market Stability Initiatives

____________________________________________________

For public access to the form and rate filings submitted on May 17, 2019 and May 31, 2019 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 2019

Access Rhode Island Rate Review SERFF Filings

SERFF Tracking Numbers:

2019 BCBSRI Individual Submission (Form): BCBS-131893508

2019 BCBSRI Individual Submission (Rate): BCBS - 131903315

2019 BCBSRI Small Group Submission (Form): BCBS-131893676

2019 BCBSRI Small Group Submission (Rate): BCBS-131903338

2019 BCBSRI Large Group Submission (Rate): BCBS-131903295

2019 NHPRI Individual Submission (Form): NHRI-131886224

2019 NHPRI Individual Submission (Rate): NHRI-131930440

2019 NHPRI Small Group Submission (Form): NHRI-131886237

2019 NHPRI Small Group Submission (Rate): NHRI-131930572

2019 United HMO Small Group Submission (Form): UHLC-131894633

2019 United PPO Small Group Submission (Form): UHLC-131869269

2019 United Small Group Submission (Rate): UHLC-131865915

2019 United Large Group Submission (Rate): UHLC-131865929

2019 Tufts HMO Small Group Submission (Form): THPC-131892260

2019 Tufts HMO Small Group Submission (Rate): THPC-131865168

2019 Tufts PPO Small Group Submission (Form): THPC-131890650

2019 Tufts PPO Small Group Submission (Rate): THPC-131865085

2019 Tufts Large Group Submission (Rate): THPC-131865146

Consumer Disclosures for Coverage Year 2020

(Updated as of 5/31/2019)

Blue Cross Individual 2020 Consumer Disclosure

Blue Cross Small Group 2020 Consumer Disclosure

NHP Individual 2020 Consumer Disclosure

NHP Small Group 2020 Consumer Disclosure

United Small Group HMO 2020 Consumer Disclosure

United Small Group PPO 2020 Consumer Disclosure

Tufts Small Group HMO 2020 Consumer Disclosure

Tufts Small Group PPO 2020 Consumer Disclosure

2018 Process and Documents

On August 17, 2018, Health Insurance Commissioner Marie L. Ganim, PhD announced her final decision on commercial health insurance premiums for 2019. 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 commercial health insurance rates for 2019

Requested and Approved Summary for 2019 Rates in the Individual, Small Group, and Large Group Markets

Other 2018 Rate Review Documents:

2018 Public Comment Solicitation Rate Review Process

2018 Rate Review Process Large Group Detailed Summary

2018 Small Employer Rate Review Detailed Summary

2018 Individual Rate Review Detailed Summary

Press Release: 2019 Requested Commercial Health Insurance Rates Have Been Submitted to OHIC for Review

____________________________________________________

For public access to the form and rate filings submitted on May 15, 2018 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 2018

Access Rhode Island Rate Review SERFF Filings

SERFF Tracking Numbers:

2018 BCBSRI Individual Submission (Form): BCBS-131439180

2018 BCBSRI Individual Submission (Rate): BCBS-131477590

2018 BCBSRI Small Group Submission (Form): BCBS-131439249

2018 BCBSRI Small Group Submission (Rate): BCBS-131477589

2018 BCBSRI Large Group Submission (Rate): BCBS-131477538

2018 NHPRI Individual Submission (Form): NHRI-131449302

2018 NHPRI Individual Submission (Rate): NHRI-131446448

2018 NHPRI Small Group Submission (Form): NHRI-131449332

2018 NHPRI Small Group Submission (Rate): NHRI-131446492

2018 United HMO Small Group Submission (Form): UHLC-131445329

2018 United PPO Small Group Submission (Form): UHLC-131428638

2018 United Small Group Submission (Rate): UHLC-131500143

2018 United Large Group Submission (Rate): UHLC-131500989

2018 Tufts HMO Small Group Submission (Form): THPC-131441532

2018 Tufts HMO Small Group Submission (Rate): THPC-131502515

2018 Tufts PPO Small Group Submission (Form): THPC-131441609

2018 Tufts PPO Small Group Submission (Rate): THPC-131502540

2018 Tufts Large Group Submission (Rate): THPC-131502525

Consumer Disclosures for Coverage Year 2019

(Updated as of 5/29/2018)

Blue Cross Individual 2019 Consumer Disclosure

Blue Cross Small Group 2019 Consumer Disclosure

NHP Individual 2019 Consumer Disclosure

NHP Small Group 2019 Consumer Disclosure

United Small Group HMO 2019 Consumer Disclosure

United Small Group PPO 2019 Consumer Disclosure

Tufts Small Group HMO 2019 Consumer Disclosure

Tufts Small Group PPO 2019 Consumer Disclosure

2018 BCBSRI Direct Pay Hearing Process

For public access to BCBSRI's individual market form and rate filing submitted on May 15, 2018, 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:

2018 BCBSRI Individual Submission (Rate): BCBS-131477590

Blue Cross Direct Pay Hearing:

2018 BCBSRI Direct Pay hearings will be held July 5th and 6th, 2018 at 9:00 a.m. On July 5th, 2018 at 6:00 p.m. and July 6th, 2018 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.

For previous year Direct Pay Process documents please click here.

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 ___________________________________________________________

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.

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

____________________________________________________________

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