Advance The Three R’s of Health Coverage in Maryland

Consumer Health First (CHF), a statewide coalition for health care reform, identifies three important steps toward lowering insurance premiums for Maryland consumers – the Three R’s– and actions you can take to advance them.

  • Rate review – The Maryland Insurance Commissioner is in the process of reviewing requests from carriers to adjust their rates, in some cases increasing by over 90%. Comments will be accepted until August 5; you can review carrier rate requests and submit your comments here.
  • Reinsurance – Maryland has applied for a “1332 waiver” so that the state can provide reinsurance for carriers and help keep individual rates from increasing too dramatically.  You can write the Center for Medicare and Medicaid Services (CMS) here.   The letter from CHF can be used as a model .
  • Risk adjustment – The Federal Government’s Risk Adjustment program provides payments to insurance carriers based upon the percentage of high-cost patients they cover. This program can interact with the proposed Reinsurance program and result in an unfair distribution of risk across patient groups. CHF commissioned a study of this problem and is submitting a plan to CMS to remedy the problem. The Maryland Health Benefit Exchange (MHBE) will hold a series of public hearings for interested parties. Background information and the meeting schedule are available here.
Consumer Health First (CHF), a statewide coalition for health care reform, identifies three important steps toward lowering insurance premiums for Maryland consumers - the Three R’s- and actions you can take to advance them:
  • Rate review - The Maryland Insurance Commissioner is in the process of reviewing requests from carriers to adjust their rates, in some cases increasing by over 90%. Comments will be accepted until August 5; you can review carrier rate requests and submit your comments here.
  • Reinsurance – Maryland has applied for a “1332 waiver” so that the state can provide reinsurance for carriers and help keep individual rates from increasing too dramatically.  You can write the Center for Medicare and Medicaid Services (CMS) here.   The letter from CHF can be used as a model .
  • Risk adjustment - The Federal Government’s Risk Adjustment program provides payments to insurance carriers based upon the percentage of high-cost patients they cover. This program can interact with the proposed Reinsurance program and result in an unfair distribution of risk across patient groups. CHF commissioned a study of this problem and is submitting a plan to CMS to remedy the problem. The Maryland Health Benefit Exchange (MHBE) will hold a series of public hearings for interested parties. Background information and the meeting schedule are available here.
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