Geographical Rating Areas

March 22, 20 I 3 Bulletin 197 GEOGRAPHICAL RATING AREAS This Bulletin is directed to all insurers writing accident and sickness insurance policies, as defined by JC 27-8-28-9, in the non grandfathered individual and small group market; health maintenance organizations, as defined by IC 27-13-1-19; risk retention groups, as defined by IC 27-7-10-11; reciprocals, as provided by IC 27-6-6-1; rating organizations, associations, and all other entities making accident & health product filings subject to the Patient Protection and Affordable Care Act. 45 CFR §147 .102(6) permits a State to establish rating areas within the State. If a State does not establish a rating area, rating areas will default to areas defined in federal regulations. The Indiana Depaitment ofInsurance hereby establishes, for plan years effective on or after January I, 2014, the attached seventeen geographical rating areas. These rating areas are actuarially justified, are not unfairly discriminatory, lead to stability in rates over time, apply uniformly to all issuers in a market, and are based on the geographic boundaries ofcounties, as required by the federal regulation. As such, premium factors within each rating area cannot vaiy and must, for the same plan, maintain the same set ofrating factors throughout each rating area. Questions regarding this Bulletin should be directed to Erin Mathies, Deputy Commissioner of Insurance Policy, at (317) 234-7732 and emathies@idoi.in.gov or compliance@idoi.in.gov. ~- a lANA DEP~ ~mon, Insurance Commissioner Region 4 Geographic Rating Areas in Indiana Counties Lake, LaPorte, Porter Elkhart, Kosciusko, Marshall, St. Joseph, Starke Adams, DeKalb, Huntington, LaGrange, Noble, Steuben, Wabash, Wells, Whitley Allen Benton, Jas er, Newton, Warren, White Cass, Fulton, Howard, Miami, Pulaski Carroll, Clinton, Fountain, Montgomery, Putnam, Tippecanoe, Ti ton Blackford, Delaware, Grant, Ja , Randolph Clay, Parke, Sullivan, Vermillion, Vigo Boone, Hamilton, Marion, Morgan, Shelby, Hendricks Fayette, Hancock, Henry, Madison, Union, Wa Bartholomew, Decatur, Jackson, Jennings, Rush Brown, Johnson, Lawrence, Monroe, Owen Dearborn, Franklin, Ohio, Riple , Switzerland Daviess, Dubois, Greene, Knox, Martin, Orange, Perr , Pike, S encer Clark, Crawford, Floyd, Harrison, Jefferson, Scott, Washington Gibson, Pose , Warrick, Vanderbur h