Essential Health Benefits (EHB) Data from The Center of Consumer Information and Insurance Oversight (CCIIO):

In the Standards Related to Essential Health Benefits, Actuarial Value, and Accreditation Final Rule ("EHB Rule"), HHS defines EHB based on state-specific benchmark plans. CCIIO has posted a summary of each state's EHB-benchmark plan on the CCIIO website (http://cciio.cms.gov/resources/data/ehb.html). The EHB-benchmark plan begins as the selected or default plan ("base benchmark") and is amended and/or supplemented to meet the requirements for coverage of benefits and limits described in 45 CFR 156.110.  

The following policy documents contain additional details about the base benchmark plans. Although they may not reflect all EHB and Affordable Care Act requirements including all the limitations and benefits covered by the EHB-benchmark, these documents are available to assist issuers when designing EHB plan benefits that are substantially equal to the EHB-benchmark plan. Scroll through the drop-down menu to find more information on that state's benchmark plan, then click "Open File" to download.

NAIC Comment Letter to Centers for Medicare & Medicaid Services, Department of Health and Human Services Regarding Benefit and Payment Parameters for 2014 1/16/13

NAIC Comments on Proposed EHB/AV/Accreditation Rule 12/19/12

NAIC Comments on Proposed Market Reform Rule 12/19/12

NAIC Comments on Proposed Rate Review Template 12/19/12

NAIC Comments on Proposed Multi-State Plan Rule 12/19/12

NAIC Comment Letter on OPM's Multi-State Plan Application

NAIC Statement Regarding the Supreme Court Ruling on the Affordable Care Act (ACA)
6/28/12

Supreme Court decision on the ACA [PDF] 6/28/12

NOW IN SPANISH!
Kaiser Family Foundation video (9 mins) explaining challenges with the current health care system, the changes taking place now, and the changes coming in 2014 (posted with permission from Kaiser Family Foundation)

Presentation: Health Insurance Exchange Plan Management, the NAIC and SERFF: Learning How the Pieces Fit [PDF]11/29/11

Resolution Urging the U.S. Department of Health and Human Services to Take Action to Ensure Continued Consumer Access to Professional Health Insurance 11/22/11

NAIC letter to Secretary Sebelius regarding Exchange partnership guidelines 11/7/11

NAIC letter to the Centers for Medicare and Medicaid Services regarding Standards Related to Reinsurance, Risk Corridors and Risk Adjustment 10/5/11

NAIC letter to the Centers for Medicare and Medicaid Services regarding the Establishment of Exchanges and Qualified Health Plans 10/5/11

NAIC letter to the Joint Select Committee on Deficit Reduction Regarding Supplemental Health Insurance for Medicare Beneficiaries 9/21/11

NAIC Comments on Multi-State Plans, submitted to Office of Personnel Management on August 10, 2011

Rate Review Regulation - Associations

• NAIC Rate Review Regulation Comment Letter on Associations 7-20-11
• State Survey Comments on Final Regulations
• Association Health Plan Survey at Request of Washington State 11-2010

HHS Published Regulation: Rate Increase Disclosure and Review (45 CFR Part 154, CMS-9999-FC, RIN 0938-AQ68) and related Fact Sheet. NAIC comments on Notice of Proposed Rulemaking (NPRM) to HHS (2/28/11).

NAIC's statement regarding Government Accounting Office (GAO) report requested by Sen. Ben Nelson: Private Health Insurance Coverage: Expert Views on Approaches to Encourage Voluntary Enrollment (PDF).

Summary of the HHS NPRM on Establishment of Exchanges and Qualified Health Plans

PPACA Section-by-Section Chart
(updated 5/12/2011) - Now includes information on changes to the law pursuant to the Full-Year Continuing Appropriations Act, 2011 (P.L. 112-10).

For more recent updates to individual issues see the Advance Call and Meeting Material section of the Health Insurance and Managed Care (B) Committee. This Committee will consider the draft before advancing it to the NAIC Plenary.

This page provides information regarding NAIC implementation efforts regarding The Patient Protection and Affordable Care Act (PPACA; P.L. 111-148) and Health Care and Education Reconciliation Act of 2010 (P.L. 111-152) and the vital role of state insurance departments in protecting insurance consumers.