CT| The Connecticut Insurance Department’s Bulletin HC-90-25, outlines filing requirements for individual and small employer group health insurance policies subject to the Affordable Care Act for plan years beginning January 1, 2026. The bulletin applies to all carriers operating in Connecticut, both on and off the state exchange, and details the process and deadlines for submitting policy forms, rates, and related documentation.
Key points:
- All plans must cover essential health benefits, and carriers are required to submit complete contracts and rate filings for both on- and off-exchange plans by June 1, 2025, following specific formatting and documentation guidelines.
- Carriers must use the Department’s preferred formats for certificates and schedules of benefits, provide detailed explanations for any variable language, and ensure that plans offered on the exchange are also available off-exchange with identical terms.
- Rate filings must comply with federal and state regulations, are subject to coordinated approval with policy forms, and once approved, no changes to plans or rates are allowed except as requested by the Department; additional requirements apply for network adequacy and formulary filings.