2020 Michigan Health Insurance Rate Change Requests Michigan SERFF Filing Access Individual Market (AS FILED - SUBJECT TO DIFS APPROVAL) Healthcare.gov Rate Review Below is a listing of issuers who intend to offer ACA-compliant health insurance policies in the INDIVIDUAL market in 2020. More detailed information can be found on Michigan's website through its SERFF Filing Access database or in the Rate Review section of Healthcare.gov at the links provided above. Comments submitted prior to July 26, 2019 will be considered by DIFS in its review. We encourage you to submit comments via email at healthratecomments@michigan.gov or by clicking the link for each filing. Important Note: As rate changes vary by plan, geographic area, and tobacco status, individuals may experience rate changes different from the annualized change. In addition, individuals receiving tax credits covering all or part of their premium will experience different rate changes due to the tax credit calculation. The 2019 tax credits will not be known until closer to the beginning of open enrollment on November 1, 2019. Annualized Rate Changes Issuer Name Alliance Health and Life Insurance Company Blue Care Network of Michigan Blue Cross Blue Shield of Michigan Mutual Ins Co Health Alliance Plan (HAP) McLaren Health Plan Community Meridian Health Plan of Michigan, Inc. Molina Healthcare of Michigan, Inc. Oscar Insurance Company Physicians Health Plan Priority Health Total Health Care USA, Inc. Total - Individual Market Participating in Federally Facilitated Marketplace No Yes Yes No Yes Yes Yes Yes Yes Yes Yes As Requested As Approved 0.0% -1.2% -7.7% 0.0% -5.9% -3.6% -8.8% 8.3% 0.6% -0.1% -0.6% -2.5% TBD TBD TBD TBD TBD TBD TBD TBD TBD TBD TBD TBD Number of Plans On or Off Marketplace Current On or Off On with 15% or Enrollment Marketplace Marketplace greater rate increases 2,356 5 0 0 157,381 19 0 16 50,604 10 0 9 3,892 15 0 0 2,653 6 0 5 7,094 6 0 6 6,742 8 0 8 648 11 0 10 7,624 21 0 18 77,167 42 0 30 16,732 7 0 7 332,893 150 0 109 SERFF Tracking Number Link to Submit Public Comment HALP-131963694 BCNT-131928431 BBMI-131924258 HALP-131963710 MCLH-131921943 HPMI-131962212 MHCM-131944644 OHIN-131880342 PHPM-131932758 PRHL-131946988 THCI-131973194 Email Comment Email Comment Email Comment Email Comment Email Comment Email Comment Email Comment Email Comment Email Comment Email Comment Email Comment Definitions Annualized Rate Changes: Requested/Approved Current Enrollment Number of Plans: On or Off Marketplace Number of Plans: On or Off Marketplace with 15% or greater rate increases Average rate change for the upcoming year. Individual rate changes will vary by plan, age, geographic area, and tobacco status. Number of individuals enrolled in plans currently offered by the issuer. Total plans to be offered by the issuers in the upcoming year. Benefits and cost sharing vary between plans and may not be offered in every part of the state. Plans with rate increases equal to or exceeding 15% subject to additional rate review and disclosures. Number of Plans: On Marketplace SERFF Tracking Number Number of plans to be offered on the Marketplace (healthcare.gov). The difference from the On or Off column is the number of plans offered solely outside the Marketplace. Filing number assigned to the rate increase request made within the NAIC's SERFF filing system. Can be used to search the SERFF Filing Access database. Rate changes, enrollment, and plan totals are as reported on issuers' Unified Rate Review Templates. This document satisfies 45 CFR 154.301(b) for public disclosure and input for Michigan's effective rate review program. Updated: 7/11/2019 2020 Michigan Health Insurance Rate Change Requests Michigan SERFF Filing Access Small Group Market (AS FILED - SUBJECT TO DIFS APPROVAL) Healthcare.gov Rate Review Below is a listing of issuers who intend to offer ACA-compliant health insurance policies in the SMALL GROUP market in 2020. More detailed information can be found on Michigan's website through its SERFF Filing Access database or in the Rate Review section of Healthcare.gov at the links provided above. Comments submitted prior to July 26, 2019 will be considered by DIFS in its review. We encourage you to email at healthratecomments@michigan.gov or by clicking the link for each filing. Important Note: As rate changes vary by plan, geographic area, and tobacco status, individuals may experience rate changes different from the annualized change. Individual employee premiums will also be affected by the amount the employer contributes to the total premium. Annualized Rate Changes Number of Plans On or Off Participating Marketplace Current On or Off in Federally On SERFF Tracking Link to Submit As Requested As Approved Issuer Name with 15% or Enrollment Marketplace Facilitated Marketplace Number Public Comment greater rate Marketplace increases Email Comment All Savers Insurance Company No 3.1% TBD 14 3 0 0 UHLC-131934657 Email Comment Alliance Health and Life Insurance Company No 10.6% TBD 14,790 40 13 0 HALP-131925492 Blue Care Network of Michigan No 5.0% TBD 98,176 123 0 0 BCNT-131912703 Email Comment Email Comment Blue Cross Blue Shield of Michigan Mutual Ins Co No 3.7% TBD 201,275 90 0 0 BBMI-131923909 Email Comment Health Alliance Plan (HAP) No 9.6% TBD 12,303 63 4 0 HALP-131925494 Humana Insurance Company No 13.1% TBD 372 53 1 0 HUMA-131919785 Email Comment Email Comment McLaren Health Plan Community No 1.7% TBD 1,723 18 0 0 MCLH-131921902 Email Comment National Health Insurance Company No 0.0% TBD 6 5 0 0 NHIC-131910667 Email Comment Paramount Care of Michigan No new TBD 7 0 0 PARM-131928525 Email Comment Paramount Insurance Company No 8.3% TBD 265 16 0 0 PARM-131888352 Email Comment PHP Insurance Company No -2.7% TBD 959 18 0 0 PHPM-131921176 Email Comment Physicians Health Plan No 2.0% TBD 3,135 54 0 0 PHPM-131921168 Email Comment Priority Health No -0.8% TBD 50,612 65 0 0 PRHL-131908014 Email Comment Priority Health Insurance Company (PHIC) No -1.6% TBD 4,605 19 0 0 PRHL-131908042 Email Comment Total Health Care USA, Inc. No -0.2% TBD 5,422 29 0 0 THCI-131936694 Email Comment UnitedHealthcare Community Plan, Inc. No 0.0% TBD 11 0 0 UHLC-131929233 Email Comment UnitedHealthcare Insurance Company No 2.9% TBD 30,501 35 0 0 UHLC-131923844 Email Comment US Health and Life Insurance Company No 8.0% TBD 2,455 1 0 0 USHL-131924379 Total - Small Group Market 3.6% TBD 426,613 650 18 0 Definitions Annualized Rate Changes: Requested/Approved Current Enrollment Number of Plans: On or Off Marketplace Number of Plans: On or Off Marketplace with 15% or greater rate increases Average rate change for the upcoming year. Individual rate changes will vary by plan, age, geographic area, and tobacco status. Number of individuals enrolled in plans currently offered by the issuer. Total plans to be offered by the issuers in the upcoming year. Benefits and cost sharing vary between plans and may not be offered in every part of the state. Plans with rate increases equal to or exceeding 15% subject to additional rate review and disclosures. Number of Plans: On Marketplace SERFF Tracking Number Number of plans to be offered on the Marketplace (healthcare.gov). The difference from the On or Off column is the number of plans offered solely outside the Marketplace. Filing number assigned to the rate increase request made within the NAIC's SERFF filing system. Can be used to search the SERFF Filing Access database. Rate changes, enrollment, and plan totals are as reported on issuers' Unified Rate Review Templates. This document satisfies 45 CFR 154.301(b) for public disclosure and input for Michigan's effective rate review program. Updated: 7/11/2019