Public Comment

The Maryland Health Benefit Exchange (MHBE) welcomes the input of stakeholders on a variety of issues. Occasionally, we’ll ask for public comment on specific issues, so check this page often for information about public comment periods. Subscribe to public comment updates. 

Plan Certification Standards

Update (9/24/2021)
Proposed 2023 Plan Certification Standards
MHBE seeks public comment on the proposed 2023 plan certification standards. Comments are due Oct. 24, 2021 and may be sent to mhbe.publiccomments@maryland.gov.

Update (9/30/2020) 
Proposed 2022 Plan Certification Standards

Update (9/13/18)
Proposed 2020 Plan Certification Standards

Update (11/27/17)
Proposed 2019 Plan Certification Standards. 

MHBE hosted three public sessions for comment on the proposed standards:
Dec. 7, 2017 | 2-4 p.m. | Plan Management Stakeholder Committee | Maryland Health Benefit Exchange
Dec. 14, 2017 | 2-4 p.m. | Standing Advisory Committee | Department of Transportation
Jan. 4, 2018 | 2-4 p.m. | Plan Management Stakeholder Committee | Maryland Health Benefit Exchange
MHBE released the Draft 2019 Letter to Issuers Seeking to Participate on Maryland Health Connection on Dec. 15, 2017.
 DRAFT- 2017 Standardized Benefit Design Work Group Report – Incorporated Commentary 

Update (12/09/16)
DRAFT- 2018 Proposed Plan Certification Standards

Reinsurance

Update (2/26/21)
2022 Estimated State Reinsurance Parameters

Update (6/5/20)
Estimated 2021 Reinsurance Payment Parameters
Proposed “Hybrid” Dampening Approach
Dampening Factor Comparisons
Summary of Comments and MHBE Response

Update (4/16/18)
Under section 1332 of the Affordable Care Act, states may apply for State Innovation Waivers to waive certain federal requirements with the goal of improving their health insurance markets. During the 2018 legislative session, the Maryland General Assembly passed House Bill 1795 – Establishment of a State Reinsurance Program. Governor Hogan signed House Bill 1795 on April 5, 2018. States are required to post State Innovation Waiver Applications for public comment for a minimum of 30 days.

Work Group Reports

Update (08/1/19)
Draft Affordability Work Group Report  

More information on the Affordability Work Group and its progress.

Letter to Issuers

Update (1/15/21)
2022 DRAFT Letter to Issuers

Update (12/20/19)
2021 Letter to Issuers seeking to participate in Maryland Health Connection.

Update (9/26/19)
Proposed 2021 Plan Certification Standards

Update (06/13/19)
In the 2020 Final Letter to Issuers Participating on Maryland Health Connection, MHBE was tasked to create a work group to help determine whether the current benchmark plan meets the needs of the individual market. The work group concluded its work on April 26, 2019, and drafted recommendations to be presented to the MHBE Board of Trustees on whether to leverage new state flexibility to modify the State Benchmark Plan. State Benchmark Plan Work Group Draft Report More information about the State Benchmark Plan Work Group and their progress.

Update (02/01/19)
MHBE finalized the 2020 Annual Letter to Issuers Seeking to Participate in Maryland Health Connection. We thank all who provided feedback and responses to the Draft.

Update (12/7/18)
2020 DRAFT Letter to Issuers

Update (12/15/17)
MHBE released the 2019 DRAFT Letter to Issuers.

Update (12/13/16)
2018 DRAFT Letter to Issuers
MHBE 2018 Plan Certification Proposal – Standardized Benefit Design for Silver and Gold QHPs

Regulations

Update (09/10/21)
The Maryland Health Benefit Exchange (MHBE) drafted regulations to set forth the structure, implementation, and eligibility standards for the Young Adult Health Insurance Subsidies Program, as required under Insurance Article, §31-117, Annotated Code of Maryland, as well as alter existing regulations to accommodate the Young Adult Health Insurance Subsidies Program. The draft regulations were posted in the September 10, 2021 Issue of the Maryland Register. Comments will be accepted through October 12, 2021.

Young Adult Subsidy Program Proposed Regulations

Update (07/19/19)
The Maryland Health Benefit Exchange (MHBE) drafted regulations that pertain to the Small Business Health Options Program (SHOP). MHBE has authority to regulate these areas under Parts 155 and 156 of Title 45 of the Code of Federal Regulations and Title 31 of the Maryland Insurance Article, Annotated Code of Maryland. The regulations were posted in the July 19th Issue of the Maryland Register.

MHBE previously invited preliminary comments on the draft regulations from key stakeholders. MHBE’s responses to those comments are available here.

Update (11/9/18)
The Maryland Health Benefit Exchange (MHBE) drafted regulations that pertain to eligibility and enrollment in a qualified plan through the Exchange, certification to participate on the Exchange as a carrier, and certification to offer a qualified plan for sale on the Exchange. MHBE has authority to regulate these areas under Parts 155 and 156 of Title 45 of the Code of Federal Regulations and Title 31 of the Maryland Insurance Article, Annotated Code of Maryland. The regulations were posted in the November 9th Issue of the Maryland Register.

Update (6/20/16)
The MHBE Board of Trustees requested in the Resolution of Board of Trustees Approving Submission of Proposed Amendments to COMAR 14.35.01 and 14.35.07 that MHBE submit the proposed amendments to COMAR 14.35.01.01, COMAR 14.35.01.02 and COMAR 14.35.07 to the Maryland Senate Finance Committee, the House Health, Government and Operations Committee and the Joint Committee on Administrative, Executive and Legislative Review for the Committees’ consideration and for publication in the Maryland Register for a formal public notice and comment period.

Update (5/31/2016) – REVISED CHAPTER 16
MHBE reviewed all comments received regarding proposed COMAR 14.35.16 and provided a revised and redlined version of this chapter and a chart that summarizes the comments received. MHBE also provided version 5 of COMAR 14.35.01.02 that incorporates all comments received pertaining to the definitions in general and the specific definitions within Chapters 7, 14-16.

Update (5/24/2016) – REVISED CHAPTER 15
MHBE reviewed all comments received regarding proposed COMAR 14.35.15 and provided a revised and redlined version of this chapter and a chart that summarizes the comments received. MHBE also provided version 4 of COMAR 14.35.01.02 that incorporates all comments received pertaining to the definitions in general and the specific definitions within Chapters 7, 14-15.

Update (5/9/2016)
MHBE reviewed all comments received regarding proposed COMAR 14.35.14 and provided a revised and redlined version of this chapter and a chart that summarizes the comments received. MHBE also provided a further revised and redlined version of COMAR 14.35.01.02 that incorporates all general comments received pertaining to definitions and a chart that summarizes these comments received.

Update (5/3/2016)
MHBE reviewed all comments received by April 27, 2016 regarding proposed COMAR 14.35.07. In advance of the May 12, 2016 public meeting that addressed proposed COMAR 14.35.07, MHBE provided a revised, redlined version of the chapter and a chart that summarizes comments received on this chapter and MHBE’s response. Revisions to COMAR 14.35.01.02 (Definitions) were also shared at and were updated and re-posted as MHBE’s shares revised and redline versions of proposed COMAR 14.35.14-.17 prior to the May 12 and May 17 or 18 meetings.

Additionally, MHBE’s response to comments specifically about MHBE’s approach to implementing federal requirements in state regulations may be found here.

General Notice

The Maryland Health Benefit Exchange (MHBE) drafted regulations that pertain to eligibility and enrollment in a qualified plan through the Exchange, certification to participate on the Exchange as a carrier and certification to offer a qualified plan for sale on the Exchange. MHBE has authority to regulate these areas under Parts 155 and 156 of Title 45 of the Code of Federal Regulations and Title 31 of the Maryland Insurance Article, Annotated Code of Maryland. MHBE seeks informal public comment on the draft regulations through written comments and two meetings in which both members of the MHBE Standing Advisory Committee (SAC) and non-SAC members may be heard. MHBE accepted written comments on the following draft regulations until April 27, 2016:

  • 14.35.07 – Eligibility and Enrollment in QHP/APTC/CSR
  • 14.35.14 – Termination, Cancellation and Rescission of QHP
  • 14.35.15 – Carrier Certification Standards
  • 14.35.16 – Plan Certification Standards
  • 14.35.17 – Carrier Appeals
  • 14.35.01.02 – Definitions

The draft chapters are provided with this notice for public review. Any language that MHBE proposes to strike in COMAR 14.35.01.02 and Chapters 7 and 14, which are being repurposed, is indicated with [brackets] and any language that MHBE proposes to adopt is indicated with italics. All language in Chapters 15-17 is new.

In addition, the following meetings of the SAC were held to solicit public comment regarding the draft regulations from SAC members and non-SAC members:

Meeting 1:
Date – May 12, 2016; 2-4pm Location – Fred L. Wineland Building, 16 Francis Street, Annapolis, MD 21401 Draft Regulations To Be Covered – 14.35.07, 14.35.14 and 14.35.01.02 (applicable to Ch. 7 and 14)

Meeting 2:
Date – May 17, 2016; 1-4pm Location – Fred L. Wineland Building, 16 Francis Street, Annapolis, MD 21401 Draft Regulations To Be Covered – 14.35.15, 14.35.16, 14.35.17 and 14.35.01.02 (applicable to Ch 15-17)

Outline of Draft Regulations – Chapters 7, 14-17

Other

Update (4/20/21)
Proposed Young Adult Subsidy Pilot Program parameters

Update (10/2/20)
MHBE analyzed the potential impact of subsidies on the individual market using the analysis completed by Lewis and Ellis Actuaries and Consultants.

Update (05/10/19)
The Maryland Health Benefit Exchange received applications for the Maryland Easy Enrollment Health Insurance Program (MEEHP) Advisory Group.

The workgroup was established as required under § 31–203 of the Insurance Article. The advisory workgroup’s input will help the effectiveness of the Maryland Health Insurance Option Easy Enrollment Health Insurance Program and provide recommendations as to whether implementing an individual responsibility amount or implementing automatic enrollment of individuals in a qualified health benefit plan in the individual market is feasible and in the best interest of the state. 

Update (02/05/19)
MHBE received applications for the 2019 State Benchmark Plan work group and the Affordability work group

Update (12/20/17)
MHBE accepted applications for the 2018 Plan Management Stakeholder Committee (PMSC). The application period ended on January 12, 2018. 

MHBE Plan Management Stakeholder Committee Charter – 2018
Plan Management Stakeholder Committee Member Application

Update (7/11/17)
MHBE added two members to the Standardized Benefit Design Work Group (SBDWG). In the 2018 Final Letter to Issuers Participating on Maryland Health Connection, MHBE was tasked to create a workgroup to help determine the scope of possible standardized benefit design standards, whether it be mandatory or optional, develop draft plans, and provide additional insight. The workgroup will provide recommendations to the MHBE Board of Trustees for 2019 QHP Certification Standards.
2017 Standardized Benefit Design Workgroup Charter
Work Group Application 

Update (2/6/17)
Standardized Plan Committee Application

Update (7/14/16)
Chapter 14: MHBE asked the Board of Trustees to consider proposed Chapter 14 at a Board meeting in the fall instead of the July Board meeting.
Chapters 15 and 16: Interested parties submitted written comments to MHBE by July 29, 2016 instead of the original due date of July 15, 2016. 

Update (6/16/16)
MHBE revised the schedule for the MHBE Board of Trustees’ consideration of Chapter 14 and the schedule for written comment and Board consideration of Chapters 15 and 16. The Board was asked to consider proposed Chapter 14 at the July 18, 2016 Board meeting. 

Update (5/24/2016) – GENERAL NOTICE of PUBLIC MEETINGS
MHBE hosted two additional public meetings to discuss proposed Chapters 15 (Individual Exchange Carrier Certification Standards) and 16 (Individual Exchange QHP Certification Standards).
Meeting 1:
Date – June 13, 2016
Location – Maryland Health Benefit Exchange, 750 East Pratt Street, 16th Floor, Baltimore MD 21202
Draft Chapter To Be Covered – Chapter 15
Meeting 2:
Date – June 14, 2016
Location – Maryland Health Benefit Exchange, 750 East Pratt Street, 16th Floor, Baltimore MD 21202
Draft Chapter To Be Covered – Chapter 16