Health Care Regulations
On this page you will find health care regulations that are important to HCC members.
Minimum Medical Loss Ratio Regulations
These regulations impose new minimum medical loss ratio standards on insurance plans. Insurance carriers that do not meet the minimum standards must pay rebates to policy holders.
Click here to view the final regulations.
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Interim Final Rule for Health Insurance Issuers Implementing Medical Loss Ratio (MLR) Requirements under the Patient Protection and Affordable Care Act (OCIIO-9998-IFC) |
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This document serves as a technical appendix to the regulatory impact analysis presented as part of the medical loss ratio (MLR) interim final regulation published by the Office of Consumer Information and Insurance Oversight (OCIIO-9998-IFC). This regulation implements sections 2718 (a) through (c) of the Public Health Service (PHS) Act enacted as part of the Patient Protection and Affordable Care Act (the Affordable Care Act).  Read the Full Text
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Health Insurance Issuers Implementing Medical Loss Ratio (MLR) Requirements Under the Patient Protection and Affordable Care Act; Corrections to the Medical Loss Ratio Interim Final Rule With Request for Comments |
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AGENCY: Office of Consumer Information and Insurance Oversight (OCIIO), HHS.
ACTION: Correction of interim final rule with request for comments.
SUMMARY: This document corrects technical errors that appeared in the interim final rule with request for comments that appeared in the December 1, 2010 Federal Register (FR Doc 2010–29596 (75 FR 74864)) entitled ‘‘Health Insurance Issuers Implementing Medical Loss Ratio (MLR) Requirements Under the Patient Protection and Affordable Care Act.’’
DATES: Effective Date: January Read the Full Text
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Health Insurance Issuers Implementing Medical Loss Ratio (MLR) Requirements Under the Patient Protection and Affordable Care Act |
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AGENCY: Office of Consumer Information and Insurance Oversight, Department of Health and Human Services.
ACTION: Interim final rule with request for comments.
SUMMARY: This document contains the interim final regulation implementing medical loss ratio (MLR) requirements for health insurance issuers under the Public Health Service Act, as added by the Patient Protection and Affordable Care Act (Affordable Care Act). Read the Full Text
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Proponents of big-government health policies argue that
insurance companies spend a substantial portion of premium dollars on
administrative costs and profits. The so-called Patient Protection and Affordable
Care Act dictates how much insurance companies must spend of premium
dollars on medical care (80 to 85 percent), and limits administrative costs,
starting in 2011, to 15 to 20 percent. Missing the “medical loss ratio” will result in
insurance companies having to rebate certain monies to customers. The reality
is that MLR puts both employers and insurers in the position of having to guess
how much will be spent from a moving target of ever-changing figures. Further,
MLR rules represent federal encroachment on the regulation of insurance, an
area of jurisdiction reserved to each state. Read the Full Text
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2010 IRS Regulations for Health Savings Accounts |
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U.S. Department of Labor Final Regulations (January 14, 2010) Federal Register, Vol. 75, No. 9, p. 2068-2077 http://www.gpoaccess.gov/fr/retrieve.html
IRS Rev. Proc. 2010-22 (June 7, 2010) http://www.irs.gov/irb/2010-23_IRB/ar09.html
IRS Rev. Rul. 2010-23 (September 27, 2010) http://www.irs.gov/irb/2010-39_IRB/ar06.html
IRS Notice 2010-59 (September 27, 2010) http://www.irs.gov/irb/2010-39_IRB/ar08.html
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