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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.

Looking for consumer information? Go to www.healthcare.gov.

Medical Loss Ratio

Nevada 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: Nevada

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 (PDF – 2.07 MB)
    This document contains Nevada’s request to adjust the MLR standard to 72 percent (received by HHS on 02/09/11).
  2. Attachment 1: Information on Nevada Individual Market (PDF – 18 KB)
    This file contains information regarding Nevada’s individual market (received by HHS on 02/09/11).
  3. Attachment 2: Advisory Meeting Transcript (PDF – 1.17 MB)
    This file contains pages from the official transcript of the MLR public meeting conducted as part of the January 4 State of Nevada Insurance Commissioner’s Advisory Committee Meeting (received by HHS on 02/09/11).
  4. Attachment 3A: ANTEX Letter (PDF – 42 KB)
    This file is a letter from American National Life Insurance Company of Texas, an American National company, to the Nevada Department of Insurance providing notice that it is temporarily suspending the marketing of individual health insurance (received by HHS on 02/09/11).
  5. Attachment 3B: SLAICO Letter, (PDF – 40 KB)
    This file is a letter from Standard Life and Accident Insurance Company, an American National company, to the Nevada Department of Insurance providing notice that it is temporarily suspending the marketing of individual health insurance (received by HHS on 02/09/11).
  6. Attachment 3C: ANICO Letter (PDF – 41 KB)
    This file is a letter from American National Insurance Company to the Nevada Department of Insurance providing notice that it is temporarily suspending the marketing of individual health insurance (received by HHS on 02/09/11).
  7. Attachment 4: Child-Only Regulation (PDF – 757 KB)
    This file provides Nevada’s temporary regulation regarding the issuance of policies to children under 19 (received by HHS on 02/09/11).
  8. Revised MLR Adjustment Request (PDF – 711 KB)
    This document is a revision intended to replace the document labeled “MLR Adjustment Request” (received by HHS on 02/10/11).
  9. HHS Request for Additional Information (PDF – 190 KB)
    This document is a March 14, 2011 letter from the Acting Director of the Office of Oversight to Nevada requesting additional information in order for Nevada’s application to be deemed complete.
  10. HHS Follow-up Letter (PDF – 124 KB)
    This document is a March 14, 2011 letter from the Acting Director of the Office of Oversight to Nevada requesting additional information regarding Nevada’s application, which is separate and distinct from requests for information completeness.
  11. Nevada Response to HHS Follow-up Letter (PDF – 1.69 MB)
    This document is a response letter from Nevada to the Acting Director of the Office of Oversight with responses to CCIIO’s March 14, 2011 follow-up letter (received by HHS on 03/21/11).
  12. Nevada Presentation to Business Lobbyist Group (PDF – 10.5 MB)
    This document is a January 4, 2011 presentation from the Nevada Department of Health and Human Services to the Business Lobbyist Group (received by HHS on 03/21/11).
  13. Advisory Meeting Transcript Pages and Shippey Report (PDF – 2.07 MB)
    This document includes pages 4 Issuer information by Plan Type through 9 of the January 4, 2011 Advisory Committee Meeting transcript and the January 4, 2011 report given to the Committee by Glenn Shippey (received by HHS on 03/21/11).
  14. HHS Updated Request for Additional Information (PDF – 32 KB)
    This document is an April 8, 2011 letter from the Acting Director of the Office of Oversight to Nevada suggesting options for what information Nevada must submit in order for Nevada’s application to be deemed complete.
  15. Nevada Response to HHS Requests for Additional Information (PDF – 594 KB)
    This document is a letter from Nevada to the Acting Director of the Office of Oversight with responses to CCIIO’s March 14, 2011 and April 8, 2011 letters (received by HHS on 04/15/11).
  16. Issuer information by Plan Type (XLS – 32 KB)
    This file contains data on enrollment, premium, and market share of issuers in the Nevada individual market by plan type (received by HHS on 04/15/11).
  17. Financial Information by Issuer (XLS – 32 KB)
    This file contains financial data by issuer (received by HHS on 04/15/11).
  18. Proposed MLR Adjustment (XLS – 30 KB)
    This file provides derivation of Nevada’s proposed adjustment to the MLR standard (received by HHS on 04/15/11).
  19. HHS Letter Deeming Nevada’s Application Complete (PDF – 27 KB)
    This document is an April 25, 2011 letter from the Acting Director of the Office of Oversight to Nevada deeming Nevada’s application complete and indicating the start of the HHS review period.

Public Comments:

  1. Consumer Watchdog Public Comment (PDF – 176 KB)
    This file is a public comment from Consumer Watchdog regarding Nevada’s request for an adjustment to the MLR standard (received by HHS on 05/05/11).
  2. Nevada Consumer Organizations Public Comment  (PDF – 93 KB)
    This file is a May 5, 2011 public comment from 12 consumer organizations regarding Nevada’s request for an adjustment to the MLR standard.