CT| Bulletin No. HC-81-26, from the Connecticut Insurance Department, sets comprehensive guidelines for all individual, small group, and large group health insurance rate filings, requiring carriers to submit SERFF filings aligned with federal PPACA/HHS rate review rules, including preliminary justifications, URRT, HIOS tables, and detailed actuarial support such as historical experience, trends, risk adjustment estimates, claim triangles, capital and surplus, and a plan-level Appendix A of requested increases.
Filings must reflect the expiration of enhanced ARPA subsidies as of December 31, 2025 and treat Connecticut’s temporary 2026 premium assistance as one-year only, with any subsidy-related adjustments fully justified, and the Department will consider the state’s 2026–2030 cost growth benchmark as part of its review. Additional requirements apply to PPACA individual and small group filings, including multi-year trend exhibits, rate build-up reconciliations, treatment of pharmacy rebates, CSR Silver loading and Covered CT adjustments, age/area/smoking factor statements, MLR demonstrations, and AV/metal tier confirmations.
Carriers are prohibited from adding or withdrawing products after June 1, 2026 (or once rates are approved), must treat post-deadline assumption changes as non-correctable (errors only with Department consent), and must file annual certifications showing compliance with mental health parity and any non-dollar EHB limits. The bulletin also clarifies that, because the required filing content is “information required by statute,” it is not exempt from disclosure under the Connecticut Freedom of Information Act, so complete filings and correspondence will be posted publicly for review and comment, and cannot be treated as confidential.