MI| The Michigan Department of Insurance Bulletin 2026-12-INS sets 2027 form and rate filing requirements for Michigan stand‑alone dental plans (SADPs), confirming DIFS will continue plan management for on‑ and off‑Marketplace products, require SERFF submissions, and enforce CMS rules including use of age at issue/renewal for rating and guaranteed rates for all SADPs. For PY27, the process mirrors prior years but adds a clarified annual pediatric out‑of‑pocket maximum of 450 dollars for one child and 900 dollars for two or more, a new informational network adequacy checklist (FIS 2314), and detailed template, naming, and Excel‑only filing standards summarized in Exhibit 1, with an April 29, 2026 filing deadline and specified CMS transfer and certification dates leading up to 2027 open enrollment.
The bulletin outlines requirements for red‑lined form revisions, service areas limited to whole counties with strict post‑deadline change controls, Michigan network adequacy documentation, and Essential Community Provider submissions consistent with CMS guidance. Contract standards include minimum Flesch readability scores, font and table‑of‑contents rules, pediatric EHB coverage through the month of age 19, formal grievance and external review procedures under PRIRA, and the mandate that any EHB‑compliant SADP must be Marketplace‑certified even if sold off‑Marketplace. Rating rules limit issuers to one filing per market, require separate rates tables for individual and small group, Michigan‑specific rate manuals, actuarial memoranda with AV certification and pediatric EHB apportionment, and reiterate that guaranteed rates are required for Marketplace certification on and off the Marketplace, with all filings subject to confidentiality only until one day after the submission deadline.