2026 Form and Rate Filing Requirements for Medical Plans _____________________________

[1] STATE OF MICHIGAN DEPARTMENT OF INSURANCE AND FINANCIAL SERVICES Bulletin 2025-08-INS In the matter of: 2026 Form and Rate Filing Requirements for Medical Plans _____________________________/ Issued and entered this 21st day of April 2025 by Anita G. Fox Director SECTION 1: CERTIFICATION AND RECERTIFICATION FILING REQUIREMENTS FOR MEDICAL PLANS ON- AND OFF-MARKETPLACE General Information DIFS will continue to perform Plan Management Functions for Plan Year 2026 (PY26). Plan Management functions are part of DIFS’ regulatory role for products offered on- and off-Marketplace. Issuers will work directly with DIFS to submit all Qualified Health Plan (QHP) application data in accordance with federal and state guidelines. SERFF will be used by issuers to transmit information to DIFS, and DIFS will use SERFF to transmit information to the Centers for Medicare & Medicaid Services (CMS). Many of the same guidelines apply to issuers filing plans offered off-Marketplace and these items are referenced in this Bulletin. Issuers are required by CMS to be registered for the CCIIO Plan Management Community and the Marketplace Plan Management System (MPMS). New Information Advanced premium tax credits in the individual market were temporarily expanded under the American Rescue Plan Act (ARPA) in 2021 and extended through plan year 2025 under the Inflation Reduction Act (IRA). Unless Congress acts, these enhanced credits will not be available in plan year 2026. Issuers should submit rates assuming the enhanced subsidies will not be available for plan year 2026. Should legislation be enacted extending the subsidies prior to filing, issuers should reflect the availability of enhanced subsidies in their rates. Should legislation be enacted after filing, DIFS will determine, in consultation with CMS, whether it is appropriate or feasible for issuers to submit new rates to reflect the change. To aid DIFS in the determination of the impact, issuers should provide in their Actuarial Memorandum the rate change [2] associated with the expiration of the enhanced subsidies and the potential impact should the subsidies be restored, as well as the associated methodology used to determine the rate change and potential impact. Please refer to the 2026 Final Letter to Issuers (PY26 Letter) and final Notice of Benefit and Payment Parameters (Notice) for new Standardized Plan Options meaningfully difference standard. Under the referenced exceptions process, for PY26 and subsequent years, an issuer may offer additional non-standardized plan options beyond the limit of two for each product network type, metal level, inclusion of dental and/or vision benefit coverage, and service area if it demonstrates that these additional plans’ cost sharing for benefits pertaining to the treatment of chronic and high-cost conditions (including benefits in the form of prescription drugs, if pertaining to the treatment of the condition(s)) is at least 25% lower, as applied without restriction in scope throughout the plan year, than the cost sharing for the same corresponding benefits in an issuer’s other non-standardized plan option offerings in the same product network type, metal level, inclusion of dental and/or vision benefit coverage, and service area. New information specific to Network Adequacy can be found in Section 1 of this Bulletin under the applicable heading. DIFS will be ensuring Plan names are accurate in describing available benefits. Plan names may not include references to cost sharing and must be consistent across all templates and documents. New Plans and Recertification of QHPs For PY26, DIFS’ process for certification and recertification of a QHP is consistent with the process used in prior plan years. Issuers submitting previously approved plans for recertification will be required to submit much of the same information as for prior plan years. Issuers submitting plans for certification for the first time should review the pertinent federal and state guidance. The omission of any federal or state requirement from this Bulletin should not be construed to mean that compliance with those requirements is not necessary. For additional guidance, issuers are urged to refer to the PY26 Letter. PY26 SUBMISSION TIMELINES DIFS has established the following submission dates for Michigan issuers to file their proposed Forms, Rates, and Binders for PY26 for small group and individual markets: Small Group Small group issuers submit Forms, Rates, and Binders for all on- and off- Marketplace plans in SERFF by May 14, 2025. Rate filing justification Parts I, II, and III will be submitted in the Form/Rate filing in the URRT Tab. See Exhibits 1 and 2 for the list of required templates and documents. [3] Individual Individual issuers submit Forms, Rates, and Binders for all on- and off- Marketplace plans in SERFF by May 28, 2025. Rate filing justification Parts I, II, and III will be submitted in the Form/Rate filing in the URRT Tab. See Exhibits 1 and 2 for the list of required templates and documents. These are to be the issuers’ final rates. Note: DIFS will not accept changes to the Rates Table Template rates after the submission deadline unless the changes are required by DIFS as part of the rate review process. This applies to rate requests in response to HSA adjustments. Timeline for Medical Submissions Activity Small Group Dates Individual Dates Medical Application Submission and Review Process Filing Deadline – Forms & Rates and Binder 05/14/2025 05/28/2025 DIFS’ 1st transfer of plan data to CMS; Transparency in Coverage and Plan ID Crosswalk Templates submission deadline 6/11/25 CMS reviews and posts initial QHP application results in PM Community 6/12/25 to 7/11/25 DIFS’ 2nd transfer of plan data to CMS 7/16/25 Final Review DIFS’ final transfer of plan data to CMS 8/13/25 CMS reviews and posts final QHP application results in PM Community 8/14/25 to 9/08/25 QHP Agreement/ Final Certification CMS sends Certification Notices 9/09/25 Limited data correction window and last date to withdraw plans 9/11/25 to 9/12/25 CMS posts QHP agreements; Issuers send signed agreements; States confirm final plan recommendations. 09/30/25 to 10/1/25 Open Enrollment Begins 11/1/25 PY26 Filing Requirements and Templates A complete submission includes the SERFF Form/Rate filing and Binder, with all required validated templates and associated items, as outlined in Exhibit 1. Issuers are required to utilize the Validation Workspace in the MPMS and QHP Application Tools, including the Data Integrity [4] Tool, for the initial and all subsequent template submissions. Errors must be corrected prior to submission. All template revisions made during DIFS’ review must be uploaded to the same locations as originally filed, i.e., filing, Binder, or both. See Exhibit 1. Note: Only one Business Rules Template and Transparency in Coverage Template needs to be completed. Each template should include both individual and small group plans and be submitted in the SERFF Binder. Off-Marketplace only submissions do not require the Transparency Coverage Template. PY26 Quality Improvement Strategy Filing Requirement The Quality Improvement Strategy (QIS) standards include requiring issuers to address their efforts to reduce healthcare disparities in addition to the previous requirement to report on a QIS that includes at least one topic area defined in section 1311(g) of the Affordable Care Act. Issuers should consult the QHP Certification Application Materials for instructions on how to meet the QIS requirements for the PY26 QHP Application Period. Issuers must complete and submit a QIS Implementation Plan and Progress Report Form in the Supporting Documentation tab in Binder. The deadline for submitting this form in the small group market is May 14, 2025, and the deadline for the individual market is May 28, 2025. PY26 Checklist Requirements Checklists that must be completed and filed as shown in Exhibit 1 are: • Checklist for Individual and Small Group Medical Plans– Forms (FIS 2307); • Checklist for Individual and Small Group Medical Plans–Rates (FIS 2306); and • Checklist for Individual and Small Group Medical Plans–Network Adequacy (FIS 2313). Revisions to Previously Approved QHPs: Red-Lined Versions Issuers revising previously approved QHP forms must provide red-lined versions, as well as clean versions. The red-lined and clean versions must both be filed in the Forms Schedule tab of the SERFF Form/Rate filing under the same document number. Note: Forms not being revised must still be submitted. File Naming Certain items in the Supporting Documentation tab of the Form/Rate filing and/or Binder must adhere to a standard naming convention as follows: IssuerName_MIFormDescription_Version#. The purpose of adherence to a standard naming convention is to have the ability to track new [5] versions as they are updated. It is important to start with Version 1 and use the same issuer name and form description in the file name each time. In addition, all review tools must be run each time a template is revised. Items that are required to have a standard naming convention are: • DIFS Medical Forms Checklist; • DIFS Medical Rates Checklist; • DIFS Medical Network Adequacy Checklist; • Rates Table Template; • Actuarial Memorandum; • URRT; • MI Uniform Modification Justification Form; • Michigan Network Adequacy Template • Justifications and Attestations; • Summary of Benefits and Coverage; • Schedule of Benefits; and • Any document that is amended from its original version that is not automatically versioned through SERFF. Transitional Plans Pursuant to prior CMS guidance, Order 2025-15-M extends the transitional policy so long as policies do not remain in force beyond December 31, 2026. Issuers with active transitional programs should develop a process to end these policies and advise insureds of their options for coverage. SERFF Filings All federal and Michigan-specific templates must be filed in Excel formats. Do not submit templates in PDF. Additionally, do not submit templates in the Supporting Documentation tab of the Binder, except for the Plan ID Crosswalk, URRT and Michigan Network Adequacy templates. Under Section 234 of the Michigan Insurance Code, MCL 500.234, the Director has the discretion to designate certain records to be nonpublic. Accordingly, issuers have the option to mark their filings as confidential upon submission. The filings will remain confidential until one day after the submission deadline at which time DIFS will make the filings public. Guaranteed Renewability All individual and small group plans offered on- and off-Marketplace must comply with federal and state law regarding guaranteed renewability, including all applicable federal regulations and guidance, and DIFS Bulletin 2011-17-INS. [6] Plan Withdrawal Plans may be withdrawn in accordance with the process published in the PY26 Letter. The final opportunity to withdraw plans will be during the plan confirmation process. Issuers opting to withdraw must submit the following in both the SERFF Form/Rate filing and Binder: 1. A completed CMS Plan Withdrawal form for plans offered either on-Marketplace or on- and off Marketplace or a list of plans to be withdrawn for those offered off-Marketplace only. 2. A letter to the DIFS Director outlining the issuer’s intent and how it will comply with both state and federal guaranteed renewability and availability requirements. 3. A copy of the proposed letter that will be sent to enrollees/consumers outlining the issuer’s intent and detailing all options available to the enrollee/consumer, including seeking coverage from a different issuer. This letter must not be sent to enrollees/consumers until approved by DIFS. Note: Do not make changes to templates. Pursuant to MCL 500.2213b(6)-(7), once an issuer withdraws from a nongroup or group market completely, there is a 5-year waiting period during which that issuer may not issue health coverage in the market from which it withdrew. Uniform Modification and Plan ID Crosswalk DIFS requires that the Michigan Uniform Modification Justification Form (FIS 2316) and Plan ID Crosswalk Template be submitted as shown in Exhibit 1. The Plan ID Crosswalk must be submitted in MPMS and Binder under Supporting Documentation. For State Authorization questions or requests, please send an email to DIFS- companytemplateissues@michigan.gov. The deadline for this submission is June 11, 2025. DIFS will provide authorizations to issuers after its initial review of the Crosswalk ID template and satisfaction of any subsequent objections. Licensure and Good Standing DIFS will review the licensure status of all issuers filing plans on- and/or off- Marketplace. Annual Limit on Cost-Sharing On March 26, 2025, CMS issued a Revised Final 2026 Actuarial Value (AV) Calculator Methodology, stating that if its 2025 Marketplace Integrity and Affordability Proposed Rule (90 FR 12942), is finalized as proposed, the PY 2026 MOOP would be $10,600 instead of $10,150, as previously published. Issuers should expect the PY26 MOOP for Marketplace-certified QHPs to be $10,600 for individuals and $21,200 for families. Changes to Cost-Sharing [7] After the initial transfer to CMS, changes made to copay amounts and coinsurance percentages cannot be made without DIFS’ approval. Service Area Issuers must inform DIFS of any service area data change through the SERFF binder and include all templates and supporting documentation impacted. After DIFS’ final transfer deadline, service area data may only be changed with DIFS’ approval and submission of a Data Change Request (DCR) to CMS, even if the change is directed by DIFS or CMS. Submission of the DCR to CMS is through the Plan Management Community and must include an explanation and justification for the change(s), evidence of state approval, and the DCR Supplement. Service area data changes include: 1. Revising Service Area Template to: a. change any service area name or ID b. add or remove a service area c. add or remove a county/ies to a service area d. change a county from full to partial e. change a county from partial to full f. adding or removing a zip code(s) associated with a partial county 2. Revising the Plans and Benefits Template (PBT) to: a. change a Service Area ID b. add or remove a Service Area ID 3. Any change to the list of counties associated with a particular plan Any service area data change must be reflected on the Michigan Network Adequacy Template (FIS 2385). For more information, see CMS’ QHP Information and Guidance for Service Area and Data Change Windows. Network Adequacy New for PY26, DIFS will apply a 30-minute travel time standard for Pharmacy (facility providers). The Michigan Network Adequacy Guidance reflects network sufficiency requirements and standards. See also Checklist for Individual and Small Group Medical Plans – Network Adequacy (FIS 2313), CMS’ PY26 Letter, Notice, and QHP Certification Information and Guidance. Essential Community Providers [8] Follow CMS’s directions for submitting ECP data. See CMS’ web page QHP Certification Application Materials for Application Instructions, ECPs, Program Attestations, and Frequently Asked Questions. The ECP threshold remains unchanged from PY25, 35 percent, for available ECPs in each plan’s service area. Patient Safety Standards CMS’ Patient Safety Standards are unchanged from PY25. The federal State Partnership Exchange Issuer Attestation Response Form verifying compliance with the Patient Safety Standards in accordance with 45 CFR.156 must be submitted in Supporting Documentation of Binder. SECTION 2: CONTRACT REQUIREMENTS (APPLICABLE TO ALL PLANS) Readability Submitted forms must comply with the following readability standards found under MCL 500.2236(3) and MCL 500.2212a(5): 1. Each form entered in the SERFF Form Schedule tab shall include the form’s readability score. 2. The readability score must be based on the Microsoft Word Flesch Reading Ease test and have a score of 45 or higher. Forms with a Microsoft Word Flesch Reading Ease score lower than 45 will not be approved by DIFS. 3. Health care policies, contracts, and certificates of coverage with more than 3,000 words printed on not more than three pages, or more than three pages of text regardless of the number of words, shall contain a table of contents. (This requirement does not apply to riders or endorsements.) 4. Be printed in a font size not less than 10 point. Internal Formal Grievance and External Review Procedures QHPs offered by commercial issuers must offer a formal grievance procedure pursuant to MCL 500.2213 and adhere to the external review process under the Patient’s Right to Independent Review Act (PRIRA), PA 251 of 2000 (MCL 550.1901 to 550.1929). These procedures must be part of the policy and submitted for approval with the medical filing. If the issuer has DIFS- approved grievance and external review procedures, these must be filed in the Supporting Documentation tab of the SERFF Form/Rate filing. Complaint and Grievance Policy and Procedures must include information on DIFS’ Health Care Appeals – Request for External Review (FIS 0018) and contact information for DIFS including fax number, email address, and mailing address. [9] Actuarial Value (AV) Requirements All individual and small group plans offered on- and off-Marketplace must be assigned to one of the approved “metal level” AV tiers or be classified as a catastrophic plan. Determinations of AV must conform to 45 CFR 156.140(c), 45 CFR 156.200(b), and 45 CFR 156.400. De Minimis Ranges In its 2025 Marketplace Integrity and Affordability Proposed Rule (90 FR 12942), CMS proposes simplifying the allowable variations in the AV for a health plan (de minimis ranges) to the following: • +5/-4 percentage points for expanded bronze plans • +2/-4 percentage points for all other plans and individual market silver QHPs • +1/-1 income-based silver CSR plan variations Issuers should expect the de minimis ranges to be consistent with the proposed rule but nevertheless must comply with the final rules for PY 26. Actuarial Value Calculator On March 26, 2025, CMS issued a Revised Final 2026 Actuarial Value (AV) Calculator Methodology, which made changes to the Final 2026 AV Calculator published on October 16, 2024. The Revised Final 2026 AV Calculator accommodates the potential new de minimis ranges. Issuers are expected to utilize the Revised Final 2026 AV Calculator. Unique Plan Design For plans with a unique plan design, in addition to the requirements set forth by CMS, please submit the following in the Binder under Supporting Documentation: • The AVC screenshots for all plans, including silver CSR plan variants, labeled with the applicable HIOS Plan ID(s). • The numeric development of each blended copay or coinsurance amount used under 156.135(b)(2) • Adjustments, and their development, used under alternative method 156.135(b)(3) As a reminder, the Issuer AV on the Plans and Benefits Template must match the AVC screenshots. Religious Employer Exemption DIFS will allow issuers who qualify for contraceptive coverage exemptions under federal rules to include additional language describing the administration of these benefits. The purpose of the additional language will be to clarify for employees that: 1. The employer will not contract, arrange, or pay for contraceptive benefits for employees. 2. The issuer will instead provide contraceptive benefits for employees (including notification to employee). [10] 3. The costs for these benefits are not included in the program paid for the healthcare coverage. ESSENTIAL HEALTH BENEFITS (EHB) EHB Benchmark Plan Issuers must use Michigan's 2022 EHB benchmark plan and review the benchmark to ensure their plans on- and off-Marketplace conform to it. Mental Health Parity and Addiction Equity Act (MHPAEA) All individual and small group plans must comply with the federal MHPAEA and applicable federal and state regulations. Issuers should carefully review the final rule implementing the MHPAEA, issued on November 13, 2013, and generally applicable to plan and policy years on or after July 1, 2014. Issuers should review the final rule to determine whether a particular plan is subject to the MHPAEA and is compliant with that statute and regulations. Issuers should also consider the new State of Michigan regulations which became effective April 2, 2025, under MCL 500.3406hh. Pursuant to the Consolidated Appropriations Act, 2021, all issuers must complete a Non-Quantitative Treatment Limitations (NQTL) comparative analysis to make available to state authorities upon request. DIFS requires submission of the NQTL analysis in the Supporting Documentation tab of the Form/Rate filing. Coordination of Benefits The coverage documents must include detailed information on the coordination of benefits, as required by MCL 550.253. Simply stating compliance with the Michigan Coordination of Benefits Act is not sufficient. Actuarially Equivalent Substitutions of EHB Actuarially equivalent substitutions of EHB are not permitted in Michigan. Anti-Discrimination in EHB DIFS will review policy and certificate forms for compliance with all provisions of federal and state antidiscrimination law, including but not limited to, section 1557 of the Affordable Care Act, 42 USC 18116, MCL 500.2027, and Bulletin 2023-07-BT/CF/CU/INS. Issuers are encouraged to review in its entirety the Final Rule on Nondiscrimination in Health Programs and Activities, which is set forth at 45 CFR Part 92 (Final Rule). [11] Rehabilitative and Habilitative Services; Autism Spectrum Disorder All plans must cover at least 30 visits for speech therapy, plus a combined 30 visits for physical and occupational therapy for rehabilitative services. Plans must also cover at least the same number of visits for habilitative services. However, for treatment of autism spectrum disorder specifically, plans may not limit the number of visits for any mandated type of treatment, including speech therapy, physical therapy, and occupational therapy. SECTION 3: CONTRACT REQUIREMENTS (APPLICABLE TO ON-MARKETPLACE PLANS ONLY) Data Corrections After the Final Application Submission Deadline Issuers must request data correction changes and receive explicit direction and approval from CMS and DIFS. • Data change requests to CMS must be initiated in the Plan Management Community, include an explanation and justification for each requested change, and evidence of DIFS’ approval. Issuers should work with DIFS to make any change. • Post-Certification Assessment(s) received from CMS require issuers to communicate to DIFS how errors or corrections were addressed. Once Binders are closed, DIFS will only reopen for issuers to make data changes approved by CMS. Issuers must provide DIFS with evidence of CMS’ approval for each data change. Accreditation 45 CFR 155.1045 establishes the timeline by which issuers offering plans on- Marketplace must be accredited by NCQA, URAC, or AAAHC. An issuer’s accreditation status will be available to consumers at the Marketplace website. Please include Accrediting Information in the SERFF Binder in the Company and Contact tab. Summary of Benefits and Coverage and Schedule of Benefits DIFS requires use of the 2021 form of Summary of Benefits and Coverage (SBC) as posted by CCIIO on February 3, 2020. This form applies to individual and small group on-Marketplace plans. The materials are available here. Each plan must have its own unique SBC, with the associated URL link, submitted via the MPMS Module. For PY26, DIFS requires issuers file the required SBCs in the forms tab of the Form/Rate filing. The SBC and the Schedule of Benefits must include the Plan ID from the Plans and Benefits Template in the name. Each SBC must then be associated with the Plan to which it applies in the Binder. The requirements for unique SBCs and URL link filings remain the same as in PY23. [12] SECTION 4: RATING REQUIREMENTS (APPLICABLE TO ALL PLANS) DIFS will not accept more than one filing per market (individual or small group). Issuers that offer both PPO/EPO and HMO/POS must submit both filings in the same Form/Rate filing. Per 45 CFR 154.200, the Part II Justification remains at 15% and is applicable by plan, not the overall rate change. Required Cost-Sharing Variations for Individual Market Plans Only 45 CFR 156.420 requires several cost-sharing plan variations for issuers offering coverage in the individual market on-Marketplace. Issuers must submit for approval the three plan variations for each silver plan offered, and the zero and limited cost-sharing variations for each plan at the platinum, gold, silver, bronze, and expanded bronze metal levels. In August 2020, the Court of Appeals for the Federal Circuit concluded that issuers are entitled to unpaid CSRs, with the expectation that the unpaid CSRs will be offset in some manner for issuers’ CSR premium loading. The decision could lead to CSR payments being restored by either Congress or HHS, but neither has taken action to date. CMS sought to clarify its guidance in the Notice on permitted CSR adjustments to the market-wide index rate for actuarial value and cost-sharing design in 45 CFR 156.80(d)(2)(i) to include “accounting for cost-sharing reduction amounts provided to eligible enrollees under 45 CFR 156.410, provided the issuer does not otherwise receive reimbursement for such amounts,” if permitted by the state. Consistent with prior DIFS guidance and the revised 45 CFR 156.80(d)(2)(i), DIFS will continue to require issuers to submit rates assuming no CSR payments will be made (CSR load) for PY26. If CSR payments are restored by either Congress or HHS prior to the finalization of rates, DIFS may require companies to update their rates to remove the CSR provision in accordance with 45 CFR 156.80(d)(2)(i). These rates apply only to on-Marketplace silver plan premiums. The actuarial memorandum should disclose the amount of CSR load included in the silver plan rates and a detailed description of the methodology for determining the load. The CSR load should reflect reasonably anticipated CSR costs, using the expected cost sharing and distribution of enrollees across the silver plan variants. Issuers that develop CSR loads at the plan level should clearly identify the CSR loads for each plan and provide the member distributions and expected unfunded subsidies that support each plan’s CSR load. If historic ACA incurred/paid claims were used to develop the Cost-Sharing Design factor, the impact of CSR subsidies in the experience period is already included and will need to be removed before applying the CSR Defunding Adjustment. Otherwise, the impact of CSR subsidies would be double counted in the projection period. [13] Rating Factors Rates may vary based only on the following factors: • Rating area • Age (within a ratio of 3:1 for adults) • Tobacco use (within a ratio of 1.5:1) Additional Michigan Rating Factor Determinations Michigan has made the following determinations related to the allowable rating factors, applicable to all individual and small group plans: Age Rating Michigan plans must adhere to the 3:1 ratio and federal default age curve for both individual and small group markets. The federal default age curve, applicable for plan years beginning on or after January 1, 2018, is detailed in the CMS Insurance Standards Bulletin: Guidance Regarding Age Curves and State Reporting, Dec. 16, 2016. Tobacco Ratio Issuers will not be required to use a tobacco ratio less than 1.5:1. Issuers will be allowed to vary their tobacco ratio based on age, if the ratio does not exceed 1.5:1 for any specific age. Standard Family Tier Michigan will not allow the use of a standard family tier. Per-Member Rating Michigan requires per-member rating in the small group market. Issuers wishing to offer small employers the option to be billed on an equivalent composite premium basis must comply with the requirements set forth at 45 CFR 147.102(c)(3), including the development of separate composite premiums for individuals age 21 and older and individuals under age 21. Geographic Rating Michigan will continue using the previously defined 16 geographic rating areas for both the individual and small group market. The 16 defined geographic areas, within each of the 83 counties in Michigan, labeled A through P, can be found here. Merging of Markets Pursuant to 45 CFR 156.80, Michigan requires issuers to maintain separate risk pools for the individual and small group markets. SECTION 5: WELLNESS PLANS General Guidelines A wellness program may be offered with any plan provided it. • Meets the requirements of 45 CFR 146 and 147, and • Is filed as part of the plan and approved by DIFS • Cannot be contingent on COVID-19 vaccination status Small Group Plans that Rate for Tobacco Use Issuers must include a health-contingent wellness plan in the small group market if they are rating for tobacco use. The plan must provide for a reduction or elimination of the tobacco rating if the insured participates in a tobacco cessation program. The plan must also meet the requirements stated in the General Guidelines above. The plan materials must describe the conditions and benefits of the wellness plan; simply stating that a wellness plan is offered is not sufficient. Any questions regarding this bulletin should be directed to: Department of Insurance and Financial Services Office of Insurance Rates and Forms 530 W. Allegan Street-7th Floor Lansing, Michigan 48933 Toll Free: (877) 999-6442 Anita G. For;Jdc-& Director [14] [15] Exhibit 1 – Templates & Supporting documents PY25 Medical Plans Filing Requirements Requires Submission via SERFF Federal Required Templates On- and On-/Off- Marketplace Off-Marketplace SERFF Location: Plans and Benefits Yes Yes Binder only Service Area Yes Yes Binder only Network ID Yes Yes Binder only Prescription Drug Yes Yes Binder only Rates Table Yes Yes Form/Rate Filing & Binder Business Rules – One per Issuer, include both Individual and Small Group on the same template Yes Yes Binder only Plan ID Crosswalk (Individual only; Supporting Documentation tab) Yes No Binder only Transparency in Coverage – One per Issuer, include both Individual and Small Group on the same template (not required for off- Marketplace only) Yes No Binder only Filing Deadlines Small Group 5/14/2025 Individual 5/28/2025 [16] Requires Submission via SERFF Michigan Required Supporting Documentation On- and On-/Off- Marketplace Off-Marketplace SERFF Location: Service Area Partial County Supplemental Response Justification, as applicable. Yes Yes Binder only Michigan Network Adequacy Template (FIS 2385) (Supporting Documentation tab) Yes Yes Binder only Network Attestation Yes Yes Binder only Network Coverage Attestation Yes Yes Binder only Appointment Wait Time Attestation Yes Yes Binder only Network Submission Summary Yes Yes Binder only Checklist for Individual and Small Group Medical Plans – Forms Yes Yes Form/Rate Filing & Binder Checklist for Individual and Small Group Medical Plans – Network Adequacy Yes Yes Binder only MI Uniform Modification Justification Form Yes Yes Form/Rate Filing & Binder Network Adequacy Justification, as applicable Yes Yes Binder only Filing Deadlines Small Group 5/14/2025 Individual 5/28/2025 NOTE: All required templates must be completed and, if applicable, validated before uploading to SERFF. Use of Validation Workspace in MPMS and PY26 QHP Application Review Tools including the Data Integrity Tool is required for the initial template submission and any subsequent submission. All file revisions must be uploaded to the same locations as originally filed (i.e., Form/Rate Filing, Binder, or BOTH) [17] Exhibit 2 – RATES and AV PY26 Medical Plans Filing Requirements *Subject to final CMS notification **All blended cost sharing amounts and/or adjustments and the development allowed under 45 CFR 156.135(b)(2) and/or 45 CFR 156.135(b)(3) must be submitted with the Unique Plan Design- Supporting Documentation and Justification form. ***Screenshots of the AVC must be provided for all plans with a unique plan design including CSR variants for On-Marketplace Silver plans. Requires Submission Via SERFF Federal Required Templates On- and On-/-Off- Marketplace Off-Marketplace SERFF Location Part I: Unified Rate Review (URRT) Yes Yes Form/Rate Filing URRT Tab & Binder Part II: Written Description Justifying the Rate Increase* Yes, for plans that exceed the federal rate review threshold Yes, for plans that exceed the federal rate review threshold Form/Rate Filing URRT Tab Part III: Actuarial Memorandum Yes Yes Form/Rate Filing URRT Tab & Binder Rates Table Yes Yes Form/Rate Filing & Binder Unique Plan Design—Supporting Documentation and Justification** Yes – as applicable under 45 CFR 156.135(b) Yes – as applicable under 45 CFR 156.135(b) Form/Rate Filing & Binder Screenshots of the AVC*** Yes – for all plans with a unique plan design Yes – for all plans with a unique plan design Form/Rate Filing & Binder Michigan Supplemental Health Care Exhibit Yes Yes Form/Rate Filing & Binder Checklist for Individual and Small Group Medical Plans-Rates Yes Yes Form/Rate Filing & Binder Filing Deadlines Small Group 05/14/2025 Individual 5/28/2025