IL| Illinois Company Bulletin 2026‑06 sets out the Plan Year 2027 filing calendar and technical requirements for certification and recertification of all individual and small group QHPs, non‑QHPs, and stand‑alone dental plans (on‑ and off‑exchange), including complete‑policy form filings in SERFF with crosswalks, redlines, associated binders, and updated network adequacy submissions that reflect Illinois’ 100% accessibility expectation and bar certification of certain designs such as non‑network QHPs/SADPs and plans exceeding the $10,600/$21,200 MOOP caps for health plans and $450/$900 for SADPs.
- The bulletin also requires network adequacy filings and county facility templates for all applicable networks, mandates exception processes where time/distance and related standards cannot be met, asks individual‑market carriers to submit detailed claim‑cost distributions to support potential 1332 reinsurance, flags pending 2027 legislation that may change coverage requirements (including for dental, audiology, menopause therapies, vision, and nonpayment underwriting), and clarifies that the Illinois Health Rate Filing Web Portal is being sunset in favor of SERFF‑to‑URR transfers.
- Issuers must meet a tight 2027 timeline: on‑exchange intent by 5/15/26, QHP/NQHP applications with crosswalks by 6/3/26, public posting of proposed rates 6/10/26, QRS data to CMS by 6/15/26, QHP rates table templates to CMS by 7/15/26, QHP application changes by 8/4/26, plan preview 8/15–9/15/26, certification notices 9/16/26, anonymous shopping 10/13/26, and open enrollment beginning 11/1/26 (with a potential move to 10/15).
- Illinois prescribes detailed content and process standards: complete‑policy form filings only (no matrix/rider filings), prohibition on misleading plan names, required use of HIOS MPMS and SERFF binders (including network adequacy, external review, mental health parity, formulary and enrollment templates), specific QHP rate‑setting rules (CSR load of 1.26–1.33 for on‑exchange silver, induced demand formula, AV documentation), carrier fees of $3,000 per new QHP and $1,500 per recertification, and public posting of initial and quarterly small‑group rate filings with mandatory summary templates.