NE| The Nebraska Department of Insurance Guidance Document IGD-5 outlines comprehensive requirements and timelines for filing Individual, Small Employer Major Medical, and Stand-Alone Dental Plans for Plan Year 2026 under ACA regulations. Key details include critical deadlines, mandatory components for SERFF rate filings and plan binders, disclosure requirements for benefit factors and CSR loads, and specifications for both ON- and OFF-Marketplace submissions to ensure compliance with federal and state standards.
- Key deadlines and filing sequence: Initial filings open April 16, 2025, and various submission deadlines run through August 2026 for plan binders, templates, rates, actuarial documents, and public disclosures, with strict cutoffs imposed for plan changes and rate adjustments.
- Required documentation and templates: Filings must include items such as URRTs, Rate Table Templates, detailed actuarial memorandums, commission schedules, benefit factor analysis, and supporting documents for network adequacy, trade secret protection, and MHPAEA compliance.
- Disclosure and transparency requirements: Issuers are obligated to publicly submit Excel sheets listing CSR loads and benefit factors for all Individual ON-Exchange plans, and provide detailed (and potentially confidential) support for their development, particularly for Silver plan variants, unless a trade secret request is validly filed.