Committees & Activities

Health Reform Solvency Impact (E) Subgroup
Financial Condition (E) Committee

2016 Charges

The Health Reform Solvency Impact (E) Subgroup will

  1. Monitor and assess the solvency impacts/concerns for health insurers as a result of the federal Affordable Care Act (ACA) and recommend charges for the appropriate Financial Condition (E) Committee groups to address these impacts/concerns.—Essential



Conference Call Calendar

NAIC conference calls & interim meetings are available on the NAIC Conference Call Calendar. See NAIC's revised policy statement on open meetings.

Advance Materials

There are no call materials at this time.

education & training events

There are no education events at this time.

Go to the exposure draft index.
There are no exposure drafts at this time.
documents and resources

Medical Loss Ratio (MLR) Procedures (Updated May 2016)
These procedures were developed through a coordinated effort between the NAIC and HHS for use by states in conducting MLR procedures to meet the federal audit requirement. Use of the procedures is voluntary.

  • Complete MLR Instructions, Procedures and Report Template [PDF]
  • MLR Procedures [Word]
  • MLR Report Language [Word]

Health Reform Solvency Impact (E) Subgroup Archives
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Medical Loss Ratio (MLR) Reconciliation Report

Supplemental Health Care Exhibit (SHCE) - Preliminary Medical Loss Ratio (MLR) Cautionary Statement

Conference Call Summaries
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Comments from 2/2/11 Conference Call (combined PDF)

Comments from 12/20/10 Conference Call (combined PDF)

Blanks Proposal 2011-30BWG as exposed by Blanks (E) Working Group

MLR Supplement As Adopted by Financial Condition (E) Committee
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Summary of Comments
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Cost Containment Definition from SSAP 85

Senate Reconciliation Language on MLR

Health Blank 2009 COMP Writer Analysis [xls]

AHIP Chart on MLR

AAA MLR Questions

Discussion Draft of Health Blank Supplement

2009 Cost Containment Expense Data Reported by Selected Health Insurers

Related NAIC Publications

Draft meeting minutes are available free for meeting attendees 10 business days after a national meeting concludes, using the User ID and Password supplied by the NAIC. Regulators may access minutes via StateNet.
Final committee minutes and Proceedings of the NAIC are available to non–attendees, after adoption at the next national meeting, for free in the PDF format through the NAIC Products & Services website.


Kristi Montanelli
Senior Insurance Reporting Analyst
Phone: 816.783.8408
Fax: 816.460.7681

Mary Caswell
Senior Manager – Data Quality
Phone: 816.783.8409
Fax: 816.460.7686