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Medical Loss Ratio

Nevada Request for an Adjustment of the Medical Loss Ratio Standard

The Affordable Care Act allows the Secretary to adjust the medical loss ratio (MLR) standard for a State if it is determined that meeting the 80 percent medical loss ratio standard may destabilize the individual market. In order to qualify for this adjustment, a State must demonstrate that requiring insurers in its individual market to meet the 80 percent MLR has a likelihood of destabilizing the individual market and could result in fewer choices for consumers. This page contains materials related to this State’s application for an adjustment to the MLR standard for the individual market.

A State’s request for an adjustment to the MLR standard is a public document. The Secretary invites public comment regarding a State’s request. All public comments must be submitted electronically by midnight on the 10th calendar day after the posting of a complete State request. When the application is deemed complete, the webpage will be updated to reflect the deadline for public comment on the State’s application.

To submit a comment regarding this adjustment application, please email MLRAdjustments@hhs.gov. Please include Nevada in the email subject line.

State: Nevada

Application Status: Undergoing review for completeness

Comments Due: TBD

Application Materials:

Persons using assistive technology may not be able to fully access information in this file. For assistance, please email MLRAdjustments@hhs.gov.

  • MLR Adjustment Request
    This document contains Nevada’s request to adjust the MLR standard to 72 percent (received by HHS on 02/09/11).
  • Attachment 1: Information on Nevada Individual Market
    This file contains information regarding Nevada’s individual market (received by HHS on 02/09/11).
  • Attachment 2: Advisory Meeting Transcript
    This file contains pages from the official transcript of the MLR public meeting conducted as part of the January 4 State of Nevada Insurance Commissioner’s Advisory Committee Meeting (received by HHS on 02/09/11).
  • Attachment 3A: ANTEX Letter
    This file is a letter from American National Life Insurance Company of Texas, an American National company, to the Nevada Department of Insurance providing notice that it is temporarily suspending the marketing of individual health insurance (received by HHS on 02/09/11).
  • Attachment 3B: SLAICO Letter
    This file is a letter from Standard Life and Accident Insurance Company, an American National company, to the Nevada Department of Insurance providing notice that it is temporarily suspending the marketing of individual health insurance (received by HHS on 02/09/11).
  • Attachment 3C: ANICO Letter
    This file is a letter from American National Insurance Company to the Nevada Department of Insurance providing notice that it is temporarily suspending the marketing of individual health insurance (received by HHS on 02/09/11).
  • Attachment 4: Child-Only Regulation
    This file provides Nevada’s temporary regulation regarding the issuance of policies to children under 19 (received by HHS on 02/09/11).