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Steve Larsen 
Director of the Center for Consumer Information and Insurance Oversight 

Prior to being named the Director of the Center for Consumer Information and Insurance Oversight, Steve Larsen served as Director of the Division of Insurance Oversight in OCIIO. Biography →

CCIIO Organizational Changes

The Office of Consumer Information and Insurance Oversight (OCIIO) is now the Center for Consumer Information and Insurance Oversight (CCIIO), a part of the Centers for Medicare & Medicaid Services (CMS). This change lets us improve operations, working better and smarter by sharing resources and expertise.

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Medical Loss Ratio

Kansas 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: Kansas

Application Status: HHS Determination Issued

Application Determination:

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 with Cover Letter (PDF – 260 KB)
    This document is a cover letter from the Kansas Commissioner of Insurance and Kansas’s request to adjust the MLR standard to to 70 percent, 73 percent, and 76 percent in 2011, 2012, and 2013, respectively (received by HHS on 04/29/11).
  2. MLR Adjustment Request (PDF – 36 KB)
    This document is Kansas’s request to adjust the MLR standard to to 70 percent, 73 percent, and 76 percent in 2011, 2012, and 2013, respectively (received by HHS on 04/29/11).
  3. Attachment 1: Enrollee and Premium Information by Issuer (XLS – 39 KB)
    This file contains information on number of enrollees and premiums earned by issuers in the Kansas individual market (received by HHS on 04/29/11).
  4. Attachment 2: Financial Information by Issuer (XLS – 34 KB)
    This file contains financial information on issuers in the Kansas individual market (received by HHS on 04/29/11).
  5. Attachment 3: Public Fact Finding Hearing Transcript (PDF – 603 KB)
    This file is the transcript of a public fact finding hearing on MLR held on March 14, 2011 (received by HHS on 04/29/11).
  6. Attachment 4: Statewide Independent Living Council of Kansas Letter (PDF – 43 KB)
    This file is an April 18, 2011 letter from the Statewide Independent Living Council of Kansas regarding MLR (received by HHS on 04/29/11).
  7. Attachment 5: Kansas Association of Community Action Programs (PDF – 149 KB)
    This file is an April 27, 2011 letter from the Kansas Association of Community Action Programs regarding MLR (received by HHS on 04/29/11).
  8. HHS Request for Additional Information  (PDF – 48 KB)
    This document is a May 25, 2011 letter from the Acting Director of the Office of Oversight to Kansas requesting additional information in order for Kansas’ application to be deemed complete.
  9. HHS Follow-up Letter  (PDF – 51 KB)
    This document is a May 25, 2011 letter from the Acting Director of the Office of Oversight to Kansas requesting additional information regarding Kansas’ application, and is separate and distinct from requests for information to complete Kansas’ application.
  10. HHS Follow-up Timeframe Inquiry   (PDF – 67 KB)
    This file contains an August 25, 2011 email from the Office of Oversight to Kansas requesting an estimate of the timeframe for receiving Kansas’ responses to CCIIO’s May 25, 2011 letters, and an August 25, 2011 email from Kansas to the Office of Oversight indicating the timeframe for Kansas’ responses.
  11. Kansas Responses to HHS Request for Additional Information and Follow-up Letters  (PDF – 384 KB)
    This document is a November 13, 2011 letter from Kansas to the Acting Director of the Office of Oversight with responses to CCIIO's May 25, 2011 letters requesting additional information (received by HHS on 11/13/11).
  12. Enrollee and Premium Information by Issuer – Revised   (XLS – 20 KB)
    This file contains updated information on number of enrollees and premiums earned by issuers in the Kansas individual market (received by HHS on 11/13/11).
  13. Financial Information by Issuer – Revised   (XLS – 16 KB)
    This file contains updated financial information on issuers in the Kansas individual market (received by HHS on 11/13/11).
  14. Notice of Public Fact Finding Hearing   (PDF – 146 KB)
    This file is the notice of a public fact finding hearing on MLR held on March 14, 2011 (received by HHS on 11/13/11).
  15. Aetna 2011-2013 MLR and Rebate Estimates  (XLS – 16 KB)
    This file contains the calculations of Aetna’s 2011-2013 MLR and rebate estimates under the 80 percent standard and Kansas’ proposed adjustment (received by HHS on 11/13/11).
  16. Aetna 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  17. BCBS of Kansas City 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  18. BCBS of Kansas 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  19. Coventry 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  20. Golden Rule 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  21. Humana 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  22. Reserve National 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  23. Time 2010 Supplemental Health Care Exhibit filing (received by HHS on 11/13/11).
  24. HHS Letter Deeming Kansas’ Application Complete   (PDF – 198 KB)
    This document is a November 28, 2011 letter from the Acting Director of the Office of Oversight to Kansas deeming Kansas’ application complete and indicating the start of the HHS review period.
  25. HHS Letter to Kansas Extending the 30 Day Review Period for an Additional 30 days (PDF – 181 KB)
    This document is a December 28, 2011 letter from the Acting Director of the Office of Oversight to Kansas exercising the Secretary’s discretion to extend the 30-day review period for an additional 30 days.
  26. Kansas Supplemental Information   (PDF – 133 KB)
    This document is a December 21, 2011 letter from Kansas to the Acting Director of the Office of Oversight with responses to CCIIO's request for additional information included in CCIIO’s November 28, 2011 letter (received by HHS on 12/21/11).

Public Comments

  1. Consumer Watchdog Public Comment  (PDF – 54 KB)
    This file is a public comment from Consumer Watchdog regarding Kansas’ request for an adjustment to the MLR standard (received by HHS on 12/01/11).
  2. National Patient Advocate Foundation Public Comment  (PDF – 480 KB)
    This file is a public comment from the National Patient Advocate Foundation regarding Kansas’ request for an adjustment to the MLR standard (received by HHS on 12/08/11).
  3. Kansas Health Consumer Coalition Public Comment  (PDF – 197 KB)
    This file is a public comment from the Kansas Health Consumer Coalition regarding Kansas’ request for an adjustment to the MLR standard (received by HHS on 12/08/11).