Changes Affecting Small Insured Plans

Beginning in 2015, if an insurer agrees to use a composite rate, the rate could not be changed during the year, even if the composition of the group changes. Insurers are encouraged to follow this practice during 2014. This applies both inside and outside the SHOP marketplace.

The HHS actuarial value (AV) calculator, which is available on the HHS website, is being updated to reflect the increase in the cost of living.