PY 2027 Filing Guidance

[LOGO] KAY IVEY GOVERNOR MARK FOWLER COMMISSIONER STATE OF ALABAMA DEPARTMENT OF INSURANCE 201 MONROE STREET, SUITE 502 POST OFFICE BOX 303351 MONTGOMERY, ALABAMA 36130-3351 TELEPHONE: (334) 269-3550 FACSIMILE: (334) 241-4192 INTERNET: www.aldoi.gov DEPUTY COMMISSIONERS LARRY CHAPMAN RICHARD FIORE DUSTY SMITH CHIEF EXAMINER SHEILA TRAVIS STATE FIRE MARSHAL SCOTT F. PILGREEN GENERAL COUNSEL REYN NORMAN ## BULLETIN NO. 2026-02 TO: All Health Insurance Issuers, Health Care Service Plans, and Health Maintenance Organizations FROM: Mark Fowler Commissioner of Insurance DATE: May 1, 2026 RE: PY 2027 Filing Guidance EFFECTIVE: Immediate The Alabama Department of Insurance and the Center for Consumer Information and Insurance Oversight (CCIIO) with the U.S. Department of Health and Human Services entered into a Collaborative Enforcement Agreement in 2016. This Bulletin is to inform carriers of the filing deadlines for PY 2027 as they pertain to Alabama. The Proposed Plan Year (PY) 2027 Qualified Health Plan (QHP) Data Submission and Certification Timeline was issued on April 10, 2026. See https://www.cms.gov/files/document/revised-py2027-qhp-data-submission-certification-timeline-bulletin.pdf for guidance on submission deadlines. The non-QHP form filings will follow the same timetable as QHP form filings. The Table of Deadlines follows: | Process | Due Date | Notes | | --- | --- | --- | | Submission window for form filings for PY 2026 opens | 4/15/2026 | QHP and Non-QHP Individual and Small Group health insurance market | | Submission deadline of all Individual and Small | 6/10/2026 | | Alabama Department of Insurance Established 1897 Bulletin 2026-02 Page 2 | Group form filings | | | | --- | --- | --- | | Rate Filing Deadline for Alabama | 7/15/2026 | | | Proposed Rate Changes posted | 7/31/2026 | | | Deadline for Issuer Submission of Changes to QHP Applications | 8/12/2026 | | | Alabama Binder Submission Deadline | 8/12/2026 | | | Final Rate Changes posted | 8/26/2026 | | | Open Enrollment | 11/1/2026 | | Please note that the Department has set the rate filing deadline for July 15, 2026, as shown in the chart above. See https://www.cms.gov/files/document/2026-rate-review-timeline-bulletin.pdf for guidance on proposed rate filings and issuer submission deadlines. Submit any inquiries about rate filings, form filings, or general filing concerns to rates.forms@insurance.alabama.gov. Please use the subject "PY 2027 ACA Filing Guidance". MF/JFM/ct