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Medical Loss Ratio

Guam Request for an Adjustment of the Medical Loss Ratio Standard

The Affordable Care Act allows the Secretary to adjust the Medical Loss Ratio (MLR) standard for a state if it is determined that meeting the 80 percent Medical Loss Ratio standard may destabilize the individual market.  In order to qualify for this adjustment, a state must demonstrate that requiring insurers in its individual market to meet the 80 percent MLR has a likelihood of destabilizing the individual market and could result in fewer choices for consumers. This page contains materials related to this state’s application for an adjustment to the MLR standard for the individual market. 

State: Guam

Application Status: All issuers presumed to meet or exceed the 80 percent MLR standard

Application Materials:

Persons using assistive technology may not be able to fully access information in this file. For assistance, please email MLRAdjustments@hhs.gov.

  1. MLR Adjustment Request (PDF – 2 MB)
    This document contains Guam’s request to adjust the MLR standard to 65 percent for 2011, 2012, and 2013 (received by HHS on 04/15/11).
  2. HHS Request for Additional Information (PDF – 48 KB) 
    This document is a May 26, 2011 letter from the Acting Director of the Office of Oversight to Guam requesting additional information in order for Guam’s application to be deemed complete.
  3. HHS Follow-Up Letter (PDF – 70 KB)
    This document is a May 26, 2011 letter from the Acting Director of the Office of Oversight to Guam requesting additional information regarding Guam’s application, which is separate and distinct from the request for information for completeness.
  4. Guam Response to HHS Request for Additional Information (PDF – 215 KB)
    This document is a letter from Guam to the Acting Director of the Office of Oversight with responses to CCIIO’s May 26, 2011 letter requesting additional information (received by HHS on 06/15/11).
  5. Guam Response to HHS Follow-Up Letter (PDF – 366 KB)
    This document is a letter from Guam to the Acting Director of the Office of Oversight with responses to CCIIO’s May 26, 2011 letter requesting additional information (received by HHS on 06/15/11).
  6. 2010 Supplemental Health Care Exhibits – The following files contain 2010 Supplemental Health Care Exhibit filings for each issuer offering coverage in the Guam health insurance market (received by HHS on 06/15/11).
  1. HHS Letter Deeming Guam's Application Complete (PDF – 47 KB)   
    This document is a July 6, 2011 letter from the Acting Director of the Office of Oversight to Guam deeming Guam's application complete and indicating the start of the HHS review period.

Public Comments:

  1. Chuck Tanner Public Comment (PDF - 69 KB)
    This file is a public comment from Chuck Tanner regarding Guam’s request for an adjustment to the MLR standard (received by HHS on 05/03/11).
  2. Senator Vicente (ben) Cabrera Pangelinan Public Comment (PDF - 117 KB)
    This file is a public comment from Senator Vicente (ben) Cabrera Pangelinan regarding Guam’s request for an adjustment to the MLR standard (received by HHS on 07/11/11).