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Bulletin 392

Revised Uniform Deadlines for Rate, Form, and QHP Filings
For Non-Grandfathered Individual and Small Group Health Plans
With Effective Dates of Coverage During 2015

Supersedes Bulletin 390

May 30, 2014 has been established as the uniform rate and form filing deadline for all non-grandfathered health plans and stand-alone dental plans subject to the Affordable Care Act in the individual and small group markets in this State, offered with effective dates during 2015. This deadline applies both on and off the Marketplace, and also applies to the “binders” that contain additional information for products that will be offered through the Marketplace (QHPs).

This bulletin harmonizes state and federal filing deadlines in order to ensure, consistent with the purposes of both state and federal law, that no carrier obtains an unfair competitive advantage as the result of a competing carrier’s obligation to comply with federal filing deadlines.

Filings should include all supporting information.  The Bureau anticipates a 5-business-day turnaround to request additional information or filing modifications.  Rates will be treated as public documents when filed.  Forms will be public when they are approved by the Bureau of Insurance.  Because rates and forms become public at different times, it is preferable for them to be submitted separately.  Carriers should refer to the SERFF Form and Rate General Instructions page for further filing instructions and additional requirements, and for plans to be offered on the Marketplace, carriers should also refer to the Plan Management General Instructions page.


March 20, 2014


Eric A. Cioppa
Superintendent of Insurance

NOTE:  This Bulletin is intended solely for informational purposes.  It is not intended to set forth legal rights, duties, or privileges, nor is it intended to provide legal advice.  Readers should consult applicable statutes and rules and contact the Bureau of Insurance if additional information is needed.


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Last Updated: April 8, 2014