WV 150th
Rate & Form Filing Information

The submission deadline for ALL QHP plans (form, rate and templates) is April 15, 2015.  These plans include:

  1) QHP SERFF binder filings and associated SERFF filings for On or both On and Off Exchange
  2) Off Exchange only 
  3) Stand Alone Dental Plans, both On Exchange and Off Exchange Certified

Please contact Joylynn Fix at Joylynn.Fix@wvinsurance.gov if you have additional questions.

                                           FILING GUIDANCE FOR INDIVIDUAL AND SMALL EMPLOYER HEALTH

Plan Year 2016 guidance for filers of individual and small group health plans, for both ON and OFF the Federally Facilitated Marketplace. 

Pursuant to the implementation of the Patient Protection and Affordable Care Act (PPACA), the federal government mandated rules for the rating and review of health insurance.  As in previous years, the West Virginia Offices of the Insurance Commissioner will engage in “marketplace plan management”.

The following dates and corresponding actions relate to plan year 2016.

                                                                                          Date Action

March 16, 2015 First day SERFF Plan Management will accept filings.
April 15, 2015

Last day carriers are allowed to submit to Department. Whether ON-Marketplace or both ON and OFF-Marketplace, all carriers must submit their Plan binder(s), templates and rates in SERFF. Off Marketplace only do not need to complete binders. Carriers, On and Off, must have HIOS and Carrier ID numbers.

When all initial rates are submitted to the WV OIC, federal rules are currently dictating to the states that we must submit all rates to them for posting, whether or not the filings are on or off the federally facilitated marketplace or whether or not the rates meet the “unreasonable” threshold as defined under federal law. However, carriers should note that rates may be and are subject to change until FINAL review and approval by the WV OIC.*

April 15, 2015 All Individual and Small Group filings, on and off the exchange, are due at the WV OIC. Please note, Small Group means 2-99.
May 15, 2015 Initial data transfer, from Department to Center for Consumer Information and Insurance Oversight (CCIIO).
Please note: At this time ALL rate submissions, while not final until deemed so by the Department, may be in part, public information under current federal guidance. Please watch for further updates on this particular issue.
July 10, 2015 Second deadline for data transfer from Department to CCIIO.
August 25, 2015 Third and final deadline for data transfer from Department to CCIIO; Data is locked down.
November 1, 2015 Open enrollment begins

                                               *As we await further clarifying federal guidance, all federal timelines are subject to change. 

Public Information Kiosk

Located in room 301 of the West Virginia Offices of the Insurance Commissioner, 1124 Smith Street, Charleston, WV. All public rate & form filings are available for viewing through the kiosk. The kiosk allows access to filings stored in the agency's imaging system as well filings stored with the National Association of Insurance Commissioners System for Electronic Rate & Form Filing (SERFF). Due to the limited availability of access via this single terminal, reservations are recommended and may be made up to 30 days in advance by calling (304)-558-2094.

No fee is associated with the use of the kiosk. However, copies of filings viewed at the kiosk may be requested and obtained for the appropriate fee.

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