Federal Premium Rate Reforms – Rating Areas

[LOGO] ROBERT BENTLEY GOVERNOR JIM L. RIDLING 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 COMMISSIONER CHARLES M. ANGELL CHIEF EXAMINER RICHARD L. FORD STATE FIRE MARSHAL EDWARD S. PAULK GENERAL COUNSEL REYN NORMAN # BULLETIN NO. 2013-04 TO: Insurers writing health insurance in Alabama FROM: Jim L. Ridling JLR Commissioner of Insurance DATE: April 2, 2013 RE: Federal premium rate reforms – rating areas EFFECTIVE: January 1, 2014 Federal premium rate reform requirements regarding age, tobacco use, and geographic rating areas in the individual and small group markets apply in policy or plan years beginning on or after January 1, 2014. 45 C.F.R. § 147.102 (published February 27, 2013). Health insurance issuers offering individual and small group coverage in Alabama are advised that the rating area "default" referenced in 45 C.F.R. § 147.102(b)(2) applies in Alabama. There will be 13 rating areas in Alabama consisting of the state's 12 metropolitan statistical areas and one rating area comprising all non-metropolitan statistical areas. The appendix lists the rating areas by number and county name. JLR/JFM/bc Attachment EQUAL OPPORTUNITY EMPLOYER # Appendix A Alabama Geographic Rating Areas (Small and Individual Markets) | Rating Area ID (for federal systems) | County Name | 3 Digit Zip Code (if applicable) | | --- | --- | --- | | Rating Area 1 | Calhoun | | | Rating Area 2 | Lee | | | Rating Area 3 | Bibb | | | Rating Area 3 | Blount | | | Rating Area 3 | Chilton | | | Rating Area 3 | Jefferson | | | Rating Area 3 | St. Clair | | | Rating Area 3 | Shelby | | | Rating Area 3 | Walker | | | Rating Area 4 | Russell | | | Rating Area 5 | Lawrence | | | Rating Area 5 | Morgan | | | Rating Area 6 | Geneva | | | Rating Area 6 | Henry | | | Rating Area 6 | Houston | | | Rating Area 7 | Colbert | | | Rating Area 7 | Lauderdale | | | Rating Area 8 | Etowah | | | Rating Area 9 | Limestone | | | Rating Area 9 | Madison | | | Rating Area 10 | Mobile | | | Rating Area 11 | Autauga | | | Rating Area 11 | Elmore | | | Rating Area 11 | Lowndes | | | Rating Area 11 | Montgomery | | | Rating Area 12 | Greene | | | Rating Area 12 | Hale | | | Rating Area 12 | Tuscaloosa | | | Rating Area 13 | Baldwin | | | Rating Area 13 | Barbour | | | Rating Area 13 | Bullock | | | Rating Area 13 | Butler | | | Rating Area 13 | Chambers | | | Rating Area 13 | Cherokee | | | Rating Area 13 | Choctaw | | | Rating Area 13 | Clarke | | | Rating Area 13 | Clay | | | Rating Area 13 | Cleburne | | | Rating Area 13 | Coffee | | | Rating Area 13 | Conecuh | | | --- | --- | --- | | Rating Area 13 | Coosa | | | Rating Area 13 | Covington | | | Rating Area 13 | Crenshaw | | | Rating Area 13 | Cullman | | | Rating Area 13 | Dale | | | Rating Area 13 | Dallas | | | Rating Area 13 | DeKalb | | | Rating Area 13 | Escambia | | | Rating Area 13 | Fayette | | | Rating Area 13 | Franklin | | | Rating Area 13 | Jackson | | | Rating Area 13 | Lamar | | | Rating Area 13 | Macon | | | Rating Area 13 | Marion | | | Rating Area 13 | Morengo | | | Rating Area 13 | Marshall | | | Rating Area 13 | Monroe | | | Rating Area 13 | Perry | | | Rating Area 13 | Pickens | | | Rating Area 13 | Pike | | | Rating Area 13 | Randolph | | | Rating Area 13 | Sumter | | | Rating Area 13 | Talladega | | | Rating Area 13 | Tallapoosa | | | Rating Area 13 | Washington | | | Rating Area 13 | Wilcox | | | Rating Area 13 | Winston | |