Skip Navigation
Centers for Medicare & Medicaid Services

CCIIO Home > Programs and Initiatives > Health Insurance Market Reforms > Medical Loss Ratio

Programs and Initiatives

Resources

Updates

About Us

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

New Hampshire 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: New Hampshire

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 – 3 MB)
    This document contains New Hampshire’s request to adjust the MLR standard to 70 percent (received by HHS on 01/12/11).
  2. HHS Request for Additional Information (PDF – 206 KB)
    This document is a February 8, 2011 letter from the Deputy Administrator and Director of CCIIO to New Hampshire requesting additional information in order for New Hampshire’s application to be deemed complete.
  3. HHS Follow-up Letter (PDF –139 KB)
    This document is a February 8, 2011 letter from the Deputy Administrator and Director of CCIIO to New Hampshire requesting additional information regarding New Hampshire’s application, which is separate and distinct from requests for information for completeness.
  4. New Hampshire Response to HHS Request for Additional Information (PDF – 129 KB)
    This document is a response letter from New Hampshire to the Deputy Administrator and Director of CCIIO with responses to CCIIO’s February 8, 2011 requests for additional information (received by HHS on 03/01/11).
  5. Issuer Information by Plan Type (PDF – 36 KB)
    This file contains data on enrollees, premiums, and claims by plan type from issuers’ supplemental reports (received by HHS on 03/01/11).
  6. Financial Information by Issuer (PDF – 22 KB)
    This file contains financial data by issuer (received by HHS on 03/01/11).
  7. New Hampshire Response to HHS Request for Supplemental Information (PDF –132 KB)
    This document is a response letter from New Hampshire to the Deputy Administrator and
    Director of CCIIO with responses to requests in CCIIO’s February 8, 2011 follow-up letter
    (received by HHS on 03/01/11).
  8. Enrollee and Premium Data by Product (PDF –183 KB)
    This file provides data on enrollees, premiums, and claims by product for issuers in the New
    Hampshire individual market and select products in the New Hampshire small group market (received by HHS on 03/01/11).
  9. Revised New Hampshire Response to HHS Request for Additional Information (PDF – 129 KB)
    This document is a revision of the document “New Hampshire Response to HHS Request for Additional Information” to reflect an additional attachment (received by HHS on 03/01/11).
  10. 2011 Broker and Producer Commissions Data (PDF – 35 KB)
    This document contains broker and producer commission data for the New Hampshire health insurance market (received by HHS on 03/01/11).
  11. HHS Letter Deeming New Hampshire’s Application Complete (PDF – 191 KB)
    This document is a March 14, 2011 letter from the Acting Director of the Office of Oversight to New Hampshire deeming New Hampshire’s application complete and indicating the start of the HHS review period.
  12. New Hampshire Response to HHS Letter Deeming Application Complete (PDF – 122 KB)
    This document is a response letter from New Hampshire to the Acting Director of the Office of Oversight acknowledging that New Hampshire’s application is complete and responding to requests in CCIIO’s March 14, 2011 letter (received by HHS on 03/21/11).
  13. HHS Letter to New Hampshire Extending the 30 Day Review Period for an Additional 30 days (PDF –  22 KB)
    This document is an April 13, 2011 letter from the Acting Director of the Office of Oversight to New Hampshire exercising the Secretary’s discretion to extend the 30-day review period for an additional 30 days.
  14. New Hampshire Response to HHS Letter Extending Review Period (PDF – 118 KB)
    This document is a response letter from New Hampshire to the Acting Director of the Office of Oversight acknowledging the extension of the 30 day review period and responding to request in CCIIO’s April 13, 2011 letter (received by HHS on 04/21/11).
  15. Anthem 2010 Supplemental Health Care Exhibit filing (received by HHS on 04/21/11).
  16. Celtic 2010 Supplemental Health Care Exhibit filing (received by HHS on 04/21/11).
  17. Chesapeake 2010 Supplemental Health Care Exhibit filing (received by HHS on 04/21/11).
  18. John Alden 2010 Supplemental Health Care Exhibit filing (received by HHS on 04/21/11).
  19. Time 2010 Supplemental Health Care Exhibit filing (received by HHS on 04/21/11).

Public Comments:

  1. Wilfred Garand Public Comment (PDF – 37 KB)
    This file is a public comment from Wilfred Garand regarding New Hampshire’s request for an adjustment to the MLR standard (received by HHS on 01/28/11).
  2. William Ploog Public Comment (PDF – 4 KB)
    This file is a public comment from William Ploog regarding New Hampshire’s request for an adjustment to the MLR standard (received by HHS on 03/23/11).
  3. New Hampshire Hospital Association Public Comment (PDF – 22 KB)
    This file is a public comment from the New Hampshire Hospital Association regarding New Hampshire’s request for an adjustment to the MLR standard (received by HHS on 03/24/11).
  4. Consumer Watchdog Public Comment (PDF – 181 KB)
    This file is a public comment from Consumer Watchdog regarding New Hampshire’s request for an adjustment to the MLR standard (received by HHS on 03/24/11).
  5. Marcus Christian Hansen Public Comment (PDF – 5 KB)
    This file is a public comment from Marcus Christian Hansen regarding New Hampshire’s request for an adjustment to the MLR standard (received by HHS on 03/24/11).
  6. New Hampshire Voices for Health Public Comment (PDF – 54 KB)
    This file is a public comment from New Hampshire Voices for Health regarding New Hampshire’s request for an adjustment to the MLR standard (received by HHS on 03/24/11).
  7. NH Citizens Alliance and Working Families Win Public Comment (PDF – 47 KB)
    This file is a public comment from the New Hampshire Citizens Alliance and Working Families Win regarding New Hampshire’s request for an adjustment to the MLR standard (received by HHS on 03/24/11).