The North Dakota Division of Insurance says small group associations do have to file base rates for approval before increasing small employers’ rates.
Merle Scheiber, the division director, discusses the rules in Bulletin 11-07, which is supposed to help small group health insurers and small group association plans interpret a small group rate filing law that took effect in July.
The new law does not mention small group association plans, but the new law is an addition to a law that does cover small group association plans, Scheiber says in the bulletin.
“Therefore the filing requirements … apply to all small employer association plans,” Scheiber says.
The law does contain an exemption from rating band pricing rules for some associations.
But small employer carriers issuing association plans still must file base premium rates for those associations, Scheiber says.
Employer, multiple employer and association trusts that provide coverage for small employers are also subject to the new rate review rules, Scheiber says.
Alliant Insurance Services Inc., Newport Beach, Calif., has hired Ray Gallagher to be a senior vice president in the Los Angeles benefits practice.
Gallagher will focus on large and midsize accounts.
He previously worked in the Los Angeles office of Lockton Companies L.L.C., and he has been a national accounts producer at the health care arm of CIGNA Corp., Philadelphia (NYSE:CI).