Title 45

Volume 2 CHAPTER A SUBCHAP B

Subchapter B - Requirements Relating To Health Care Access

45:2.0.1.1.1PART 140-143
PARTS 140-143 [RESERVED]
45:2.0.1.1.2PART 144
PART 144 - REQUIREMENTS RELATING TO HEALTH INSURANCE COVERAGE
45:2.0.1.1.2.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.2.1.1.1SECTION 144.101
     144.101 Basis and purpose.
45:2.0.1.1.2.1.1.2SECTION 144.102
     144.102 Scope and applicability.
45:2.0.1.1.2.1.1.3SECTION 144.103
     144.103 Definitions.
45:2.0.1.1.2.2SUBPART B
Subpart B - Qualified State Long-Term Care Insurance Partnerships: Reporting Requirements for Insurers
45:2.0.1.1.2.2.1.1SECTION 144.200
     144.200 Basis.
45:2.0.1.1.2.2.1.2SECTION 144.202
     144.202 Definitions.
45:2.0.1.1.2.2.1.3SECTION 144.204
     144.204 Applicability of regulations.
45:2.0.1.1.2.2.1.4SECTION 144.206
     144.206 Reporting requirements.
45:2.0.1.1.2.2.1.5SECTION 144.208
     144.208 Deadlines for submission of reports.
45:2.0.1.1.2.2.1.6SECTION 144.210
     144.210 Form and manner of reports.
45:2.0.1.1.2.2.1.7SECTION 144.212
     144.212 Confidentiality of information.
45:2.0.1.1.2.2.1.8SECTION 144.214
     144.214 Notifications of noncompliance with reporting requirements.
45:2.0.1.1.3PART 145
PART 145 [RESERVED]
45:2.0.1.1.4PART 146
PART 146 - REQUIREMENTS FOR THE GROUP HEALTH INSURANCE MARKET
45:2.0.1.1.4.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.4.1.1.1SECTION 146.101
     146.101 Basis and scope.
45:2.0.1.1.4.2SUBPART B
Subpart B - Requirements Relating to Access and Renewability of Coverage, and Limitations on Preexisting Condition Exclusion Periods
45:2.0.1.1.4.2.1.1SECTION 146.111
     146.111 Preexisting condition exclusions.
45:2.0.1.1.4.2.1.2SECTION 146.113
     146.113 Rules relating to creditable coverage.
45:2.0.1.1.4.2.1.3SECTION 146.115
     146.115 Certification and disclosure of previous coverage.
45:2.0.1.1.4.2.1.4SECTION 146.117
     146.117 Special enrollment periods.
45:2.0.1.1.4.2.1.5SECTION 146.119
     146.119 HMO affiliation period as an alternative to a preexisting condition exclusion.
45:2.0.1.1.4.2.1.6SECTION 146.120
     146.120 Interaction with the Family and Medical Leave Act. [Reserved]
45:2.0.1.1.4.2.1.7SECTION 146.121
     146.121 Prohibiting discrimination against participants and beneficiaries based on a health factor.
45:2.0.1.1.4.2.1.8SECTION 146.122
     146.122 Additional requirements prohibiting discrimination based on genetic information.
45:2.0.1.1.4.2.1.9SECTION 146.123
     146.123 Special rule allowing integration of Health Reimbursement Arrangements (HRAs) and other account-based group health plans with individual health insurance coverage and Medicare and prohibiting discrimination in HRAs and other account-based group health plans.
45:2.0.1.1.4.2.1.10SECTION 146.125
     146.125 Applicability dates.
45:2.0.1.1.4.3SUBPART C
Subpart C - Requirements Related to Benefits
45:2.0.1.1.4.3.1.1SECTION 146.130
     146.130 Standards relating to benefits for mothers and newborns.
45:2.0.1.1.4.3.1.2SECTION 146.136
     146.136 Parity in mental health and substance use disorder benefits.
45:2.0.1.1.4.4SUBPART D
Subpart D - Preemption and Special Rules
45:2.0.1.1.4.4.1.1SECTION 146.143
     146.143 Preemption; State flexibility; construction.
45:2.0.1.1.4.4.1.2SECTION 146.145
     146.145 Special rules relating to group health plans.
45:2.0.1.1.4.5SUBPART E
Subpart E - Provisions Applicable to Only Health Insurance Issuers
45:2.0.1.1.4.5.1.1SECTION 146.150
     146.150 Guaranteed availability of coverage for employers in the small group market.
45:2.0.1.1.4.5.1.2SECTION 146.152
     146.152 Guaranteed renewability of coverage for employers in the group market.
45:2.0.1.1.4.5.1.3SECTION 146.160
     146.160 Disclosure of information.
45:2.0.1.1.4.6SUBPART F
Subpart F - Exclusion of Plans and Enforcement
45:2.0.1.1.4.6.1.1SECTION 146.180
     146.180 Treatment of non-Federal governmental plans.
45:2.0.1.1.5PART 147
PART 147 - HEALTH INSURANCE REFORM REQUIREMENTS FOR THE GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS
45:2.0.1.1.5.0.1.1SECTION 147.100
     147.100 Basis and scope.
45:2.0.1.1.5.0.1.2SECTION 147.102
     147.102 Fair health insurance premiums.
45:2.0.1.1.5.0.1.3SECTION 147.103
     147.103 State reporting.
45:2.0.1.1.5.0.1.4SECTION 147.104
     147.104 Guaranteed availability of coverage.
45:2.0.1.1.5.0.1.5SECTION 147.106
     147.106 Guaranteed renewability of coverage.
45:2.0.1.1.5.0.1.6SECTION 147.108
     147.108 Prohibition of preexisting condition exclusions.
45:2.0.1.1.5.0.1.7SECTION 147.110
     147.110 Prohibiting discrimination against participants, beneficiaries, and individuals based on a health factor.
45:2.0.1.1.5.0.1.8SECTION 147.116
     147.116 Prohibition on waiting periods that exceed 90 days.
45:2.0.1.1.5.0.1.9SECTION 147.120
     147.120 Eligibility of children until at least age 26.
45:2.0.1.1.5.0.1.10SECTION 147.126
     147.126 No lifetime or annual limits.
45:2.0.1.1.5.0.1.11SECTION 147.128
     147.128 Rules regarding rescissions.
45:2.0.1.1.5.0.1.12SECTION 147.130
     147.130 Coverage of preventive health services.
45:2.0.1.1.5.0.1.13SECTION 147.131
     147.131 Accommodations in connection with coverage of certain preventive health services.
45:2.0.1.1.5.0.1.14SECTION 147.132
     147.132 Religious exemptions in connection with coverage of certain preventive health services.
45:2.0.1.1.5.0.1.15SECTION 147.133
     147.133 Moral exemptions in connection with coverage of certain preventive health services.
45:2.0.1.1.5.0.1.16SECTION 147.136
     147.136 Internal claims and appeals and external review processes.
45:2.0.1.1.5.0.1.17SECTION 147.138
     147.138 Patient protections.
45:2.0.1.1.5.0.1.18SECTION 147.140
     147.140 Preservation of right to maintain existing coverage.
45:2.0.1.1.5.0.1.19SECTION 147.145
     147.145 Student health insurance coverage.
45:2.0.1.1.5.0.1.20SECTION 147.150
     147.150 Coverage of essential health benefits.
45:2.0.1.1.5.0.1.21SECTION 147.160
     147.160 Parity in mental health and substance use disorder benefits.
45:2.0.1.1.5.0.1.22SECTION 147.200
     147.200 Summary of benefits and coverage and uniform glossary.
45:2.0.1.1.5.0.1.23SECTION 147.210
     147.210 Transparency in coverage - definitions.
45:2.0.1.1.5.0.1.24SECTION 147.211
     147.211 Transparency in coverage - required disclosures to participants, beneficiaries, or enrollees.
45:2.0.1.1.5.0.1.25SECTION 147.212
     147.212 Transparency in coverage - requirements for public disclosure.
45:2.0.1.1.6PART 148
PART 148 - REQUIREMENTS FOR THE INDIVIDUAL HEALTH INSURANCE MARKET
45:2.0.1.1.6.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.6.1.1.1SECTION 148.101
     148.101 Basis and purpose.
45:2.0.1.1.6.1.1.2SECTION 148.102
     148.102 Scope and applicability date.
45:2.0.1.1.6.2SUBPART B
Subpart B - Requirements Relating to Access and Renewability of Coverage
45:2.0.1.1.6.2.1.1SECTION 148.120
     148.120 Guaranteed availability of individual health insurance coverage to certain individuals with prior group coverage.
45:2.0.1.1.6.2.1.2SECTION 148.122
     148.122 Guaranteed renewability of individual health insurance coverage.
45:2.0.1.1.6.2.1.3SECTION 148.124
     148.124 Certification and disclosure of coverage.
45:2.0.1.1.6.2.1.4SECTION 148.126
     148.126 Determination of an eligible individual.
45:2.0.1.1.6.2.1.5SECTION 148.128
     148.128 State flexibility in individual market reforms - alternative mechanisms.
45:2.0.1.1.6.3SUBPART C
Subpart C - Requirements Related to Benefits
45:2.0.1.1.6.3.1.1SECTION 148.170
     148.170 Standards relating to benefits for mothers and newborns.
45:2.0.1.1.6.3.1.2SECTION 148.180
     148.180 Prohibition of discrimination based on genetic information.
45:2.0.1.1.6.4SUBPART D
Subpart D - Preemption; Excepted Benefits
45:2.0.1.1.6.4.1.1SECTION 148.210
     148.210 Preemption.
45:2.0.1.1.6.4.1.2SECTION 148.220
     148.220 Excepted benefits.
45:2.0.1.1.6.5SUBPART E
Subpart E - Grants to States for Operation of Qualified High Risk Pools
45:2.0.1.1.6.5.1.1SECTION 148.306
     148.306 Basis and scope.
45:2.0.1.1.6.5.1.2SECTION 148.308
     148.308 Definitions.
45:2.0.1.1.6.5.1.3SECTION 148.310
     148.310 Eligibility requirements for a grant.
45:2.0.1.1.6.5.1.4SECTION 148.312
     148.312 Amount of grant payment.
45:2.0.1.1.6.5.1.5SECTION 148.314
     148.314 Periods during which eligible States may apply for a grant.
45:2.0.1.1.6.5.1.6SECTION 148.316
     148.316 Grant application instructions.
45:2.0.1.1.6.5.1.7SECTION 148.318
     148.318 Grant application review.
45:2.0.1.1.6.5.1.8SECTION 148.320
     148.320 Grant awards.
45:2.0.1.1.7PART 149
PART 149 [RESERVED]
45:2.0.1.1.8PART 150
PART 150 - CMS ENFORCEMENT IN GROUP AND INDIVIDUAL INSURANCE MARKETS
45:2.0.1.1.8.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.8.1.1.1SECTION 150.101
     150.101 Basis and scope.
45:2.0.1.1.8.1.1.2SECTION 150.103
     150.103 Definitions.
45:2.0.1.1.8.2SUBPART B
Subpart B - CMS Enforcement Processes for Determining Whether States Are Failing To Substantially Enforce PHS Act Requirement
45:2.0.1.1.8.2.1.1SECTION 150.201
     150.201 State enforcement.
45:2.0.1.1.8.2.1.2SECTION 150.203
     150.203 Circumstances requiring CMS enforcement.
45:2.0.1.1.8.2.1.3SECTION 150.205
     150.205 Sources of information triggering an investigation of State enforcement.
45:2.0.1.1.8.2.1.4SECTION 150.207
     150.207 Procedure for determining that a State fails to substantially enforce PHS Act requirements.
45:2.0.1.1.8.2.1.5SECTION 150.209
     150.209 Verification of exhaustion of remedies and contact with State officials.
45:2.0.1.1.8.2.1.6SECTION 150.211
     150.211 Notice to the State.
45:2.0.1.1.8.2.1.7SECTION 150.213
     150.213 Form and content of notice.
45:2.0.1.1.8.2.1.8SECTION 150.215
     150.215 Extension for good cause.
45:2.0.1.1.8.2.1.9SECTION 150.217
     150.217 Preliminary determination.
45:2.0.1.1.8.2.1.10SECTION 150.219
     150.219 Final determination.
45:2.0.1.1.8.2.1.11SECTION 150.221
     150.221 Transition to State enforcement.
45:2.0.1.1.8.3SUBPART C
Subpart C - CMS Enforcement With Respect to Issuers and Non-Federal Governmental Plans - Civil Money Penalties
45:2.0.1.1.8.3.1.1SECTION 150.301
     150.301 General rule regarding the imposition of civil money penalties.
45:2.0.1.1.8.3.1.2SECTION 150.303
     150.303 Basis for initiating an investigation of a potential violation.
45:2.0.1.1.8.3.1.3SECTION 150.305
     150.305 Determination of entity liable for civil money penalty.
45:2.0.1.1.8.3.1.4SECTION 150.307
     150.307 Notice to responsible entities.
45:2.0.1.1.8.3.1.5SECTION 150.309
     150.309 Request for extension.
45:2.0.1.1.8.3.1.6SECTION 150.311
     150.311 Responses to allegations of noncompliance.
45:2.0.1.1.8.3.1.7SECTION 150.313
     150.313 Market conduct examinations.
45:2.0.1.1.8.3.1.8SECTION 150.315
     150.315 Amount of penalty - General.
45:2.0.1.1.8.3.1.9SECTION 150.317
     150.317 Factors CMS uses to determine the amount of penalty.
45:2.0.1.1.8.3.1.10SECTION 150.319
     150.319 Determining the amount of the penalty - mitigating circumstances.
45:2.0.1.1.8.3.1.11SECTION 150.321
     150.321 Determining the amount of penalty - aggravating circumstances.
45:2.0.1.1.8.3.1.12SECTION 150.323
     150.323 Determining the amount of penalty - other matters as justice may require.
45:2.0.1.1.8.3.1.13SECTION 150.325
     150.325 Settlement authority.
45:2.0.1.1.8.3.1.14SECTION 150.341
     150.341 Limitations on penalties.
45:2.0.1.1.8.3.1.15SECTION 150.343
     150.343 Notice of proposed penalty.
45:2.0.1.1.8.3.1.16SECTION 150.345
     150.345 Appeal of proposed penalty.
45:2.0.1.1.8.3.1.17SECTION 150.347
     150.347 Failure to request a hearing.
45:2.0.1.1.8.4SUBPART D
Subpart D - Administrative Hearings
45:2.0.1.1.8.4.1.1SECTION 150.401
     150.401 Definitions.
45:2.0.1.1.8.4.1.2SECTION 150.403
     150.403 Scope of ALJ's authority.
45:2.0.1.1.8.4.1.3SECTION 150.405
     150.405 Filing of request for hearing.
45:2.0.1.1.8.4.1.4SECTION 150.407
     150.407 Form and content of request for hearing.
45:2.0.1.1.8.4.1.5SECTION 150.409
     150.409 Amendment of notice of assessment or request for hearing.
45:2.0.1.1.8.4.1.6SECTION 150.411
     150.411 Dismissal of request for hearing.
45:2.0.1.1.8.4.1.7SECTION 150.413
     150.413 Settlement.
45:2.0.1.1.8.4.1.8SECTION 150.415
     150.415 Intervention.
45:2.0.1.1.8.4.1.9SECTION 150.417
     150.417 Issues to be heard and decided by ALJ.
45:2.0.1.1.8.4.1.10SECTION 150.419
     150.419 Forms of hearing.
45:2.0.1.1.8.4.1.11SECTION 150.421
     150.421 Appearance of counsel.
45:2.0.1.1.8.4.1.12SECTION 150.423
     150.423 Communications with the ALJ.
45:2.0.1.1.8.4.1.13SECTION 150.425
     150.425 Motions.
45:2.0.1.1.8.4.1.14SECTION 150.427
     150.427 Form and service of submissions.
45:2.0.1.1.8.4.1.15SECTION 150.429
     150.429 Computation of time and extensions of time.
45:2.0.1.1.8.4.1.16SECTION 150.431
     150.431 Acknowledgment of request for hearing.
45:2.0.1.1.8.4.1.17SECTION 150.435
     150.435 Discovery.
45:2.0.1.1.8.4.1.18SECTION 150.437
     150.437 Submission of briefs and proposed hearing exhibits.
45:2.0.1.1.8.4.1.19SECTION 150.439
     150.439 Effect of submission of proposed hearing exhibits.
45:2.0.1.1.8.4.1.20SECTION 150.441
     150.441 Prehearing conferences.
45:2.0.1.1.8.4.1.21SECTION 150.443
     150.443 Standard of proof.
45:2.0.1.1.8.4.1.22SECTION 150.445
     150.445 Evidence.
45:2.0.1.1.8.4.1.23SECTION 150.447
     150.447 The record.
45:2.0.1.1.8.4.1.24SECTION 150.449
     150.449 Cost of transcripts.
45:2.0.1.1.8.4.1.25SECTION 150.451
     150.451 Posthearing briefs.
45:2.0.1.1.8.4.1.26SECTION 150.453
     150.453 ALJ decision.
45:2.0.1.1.8.4.1.27SECTION 150.455
     150.455 Sanctions.
45:2.0.1.1.8.4.1.28SECTION 150.457
     150.457 Review by Administrator.
45:2.0.1.1.8.4.1.29SECTION 150.459
     150.459 Judicial review.
45:2.0.1.1.8.4.1.30SECTION 150.461
     150.461 Failure to pay assessment.
45:2.0.1.1.8.4.1.31SECTION 150.463
     150.463 Final order not subject to review.
45:2.0.1.1.8.4.1.32SECTION 150.465
     150.465 Collection and use of penalty funds.
45:2.0.1.1.9PART 151
PART 151 [RESERVED]
45:2.0.1.1.10PART 152
PART 152 - PRE-EXISTING CONDITION INSURANCE PLAN PROGRAM
45:2.0.1.1.10.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.10.1.1.1SECTION 152.1
     152.1 Statutory basis.
45:2.0.1.1.10.1.1.2SECTION 152.2
     152.2 Definitions.
45:2.0.1.1.10.2SUBPART B
Subpart B - PCIP Program Administration
45:2.0.1.1.10.2.1.1SECTION 152.6
     152.6 Program administration.
45:2.0.1.1.10.2.1.2SECTION 152.7
     152.7 PCIP proposal process.
45:2.0.1.1.10.3SUBPART C
Subpart C - Eligibility and Enrollment
45:2.0.1.1.10.3.1.1SECTION 152.14
     152.14 Eligibility.
45:2.0.1.1.10.3.1.2SECTION 152.15
     152.15 Enrollment and disenrollment process.
45:2.0.1.1.10.4SUBPART D
Subpart D - Benefits
45:2.0.1.1.10.4.1.1SECTION 152.19
     152.19 Covered benefits.
45:2.0.1.1.10.4.1.2SECTION 152.20
     152.20 Prohibitions on pre-existing condition exclusions and waiting periods.
45:2.0.1.1.10.4.1.3SECTION 152.21
     152.21 Premiums and cost-sharing.
45:2.0.1.1.10.4.1.4SECTION 152.22
     152.22 Access to services.
45:2.0.1.1.10.5SUBPART E
Subpart E - Oversight
45:2.0.1.1.10.5.1.1SECTION 152.26
     152.26 Appeals procedures.
45:2.0.1.1.10.5.1.2SECTION 152.27
     152.27 Fraud, waste, and abuse.
45:2.0.1.1.10.5.1.3SECTION 152.28
     152.28 Preventing insurer dumping.
45:2.0.1.1.10.6SUBPART F
Subpart F - Funding
45:2.0.1.1.10.6.1.1SECTION 152.32
     152.32 Use of funds.
45:2.0.1.1.10.6.1.2SECTION 152.33
     152.33 Initial allocation of funds.
45:2.0.1.1.10.6.1.3SECTION 152.34
     152.34 Reallocation of funds.
45:2.0.1.1.10.6.1.4SECTION 152.35
     152.35 Insufficient funds.
45:2.0.1.1.10.7SUBPART G
Subpart G - Relationship to Existing Laws and Programs
45:2.0.1.1.10.7.1.1SECTION 152.39
     152.39 Maintenance of effort.
45:2.0.1.1.10.7.1.2SECTION 152.40
     152.40 Relation to State laws.
45:2.0.1.1.10.8SUBPART H
Subpart H - Transition to Exchanges
45:2.0.1.1.10.8.1.1SECTION 152.44
     152.44 End of PCIP program coverage.
45:2.0.1.1.10.8.1.2SECTION 152.45
     152.45 Transition to the exchanges.
45:2.0.1.1.11PART 153
PART 153 - STANDARDS RELATED TO REINSURANCE, RISK CORRIDORS, AND RISK ADJUSTMENT UNDER THE AFFORDABLE CARE ACT
45:2.0.1.1.11.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.11.1.1.1SECTION 153.10
     153.10 Basis and scope.
45:2.0.1.1.11.1.1.2SECTION 153.20
     153.20 Definitions.
45:2.0.1.1.11.2SUBPART B
Subpart B - State Notice of Benefit and Payment Parameters
45:2.0.1.1.11.2.1.1SECTION 153.100
     153.100 State notice of benefit and payment parameters.
45:2.0.1.1.11.2.1.2SECTION 153.110
     153.110 Standards for the State notice of benefit and payment parameters.
45:2.0.1.1.11.3SUBPART C
Subpart C - State Standards Related to the Reinsurance Program
45:2.0.1.1.11.3.1.1SECTION 153.200
     153.200 [Reserved]
45:2.0.1.1.11.3.1.2SECTION 153.210
     153.210 State establishment of a reinsurance program.
45:2.0.1.1.11.3.1.3SECTION 153.220
     153.220 Collection of reinsurance contribution funds.
45:2.0.1.1.11.3.1.4SECTION 153.230
     153.230 Calculation of reinsurance payments made under the national contribution rate.
45:2.0.1.1.11.3.1.5SECTION 153.232
     153.232 Calculation of reinsurance payments made under a State additional contribution rate.
45:2.0.1.1.11.3.1.6SECTION 153.234
     153.234 Eligibility under health insurance market rules.
45:2.0.1.1.11.3.1.7SECTION 153.235
     153.235 Allocation and distribution of reinsurance contributions
45:2.0.1.1.11.3.1.8SECTION 153.240
     153.240 Disbursement of reinsurance payments.
45:2.0.1.1.11.3.1.9SECTION 153.250
     153.250 Coordination with high-risk pools.
45:2.0.1.1.11.3.1.10SECTION 153.260
     153.260 General oversight requirements for State-operated reinsurance programs.
45:2.0.1.1.11.3.1.11SECTION 153.265
     153.265 Restrictions on use of reinsurance funds for administrative expenses.
45:2.0.1.1.11.3.1.12SECTION 153.270
     153.270 HHS audits of State-operated reinsurance programs.
45:2.0.1.1.11.4SUBPART D
Subpart D - State Standards Related to the Risk Adjustment Program
45:2.0.1.1.11.4.1.1SECTION 153.300
     153.300 [Reserved]
45:2.0.1.1.11.4.1.2SECTION 153.310
     153.310 Risk adjustment administration.
45:2.0.1.1.11.4.1.3SECTION 153.320
     153.320 Federally certified risk adjustment methodology.
45:2.0.1.1.11.4.1.4SECTION 153.330
     153.330 State alternate risk adjustment methodology.
45:2.0.1.1.11.4.1.5SECTION 153.340
     153.340 Data collection under risk adjustment.
45:2.0.1.1.11.4.1.6SECTION 153.350
     153.350 Risk adjustment data validation standards.
45:2.0.1.1.11.4.1.7SECTION 153.360
     153.360 Application of risk adjustment to the small group market.
45:2.0.1.1.11.4.1.8SECTION 153.365
     153.365 General oversight requirements for State-operated risk adjustment programs.
45:2.0.1.1.11.5SUBPART E
Subpart E - Health Insurance Issuer and Group Health Plan Standards Related to the Reinsurance Program
45:2.0.1.1.11.5.1.1SECTION 153.400
     153.400 Reinsurance contribution funds.
45:2.0.1.1.11.5.1.2SECTION 153.405
     153.405 Calculation of reinsurance contributions.
45:2.0.1.1.11.5.1.3SECTION 153.410
     153.410 Requests for reinsurance payment.
45:2.0.1.1.11.5.1.4SECTION 153.420
     153.420 Data collection.
45:2.0.1.1.11.6SUBPART F
Subpart F - Health Insurance Issuer Standards Related to the Risk Corridors Program
45:2.0.1.1.11.6.1.1SECTION 153.500
     153.500 Definitions.
45:2.0.1.1.11.6.1.2SECTION 153.510
     153.510 Risk corridors establishment and payment methodology.
45:2.0.1.1.11.6.1.3SECTION 153.520
     153.520 Attribution and allocation of revenue and expense items.
45:2.0.1.1.11.6.1.4SECTION 153.530
     153.530 Risk corridors data requirements.
45:2.0.1.1.11.6.1.5SECTION 153.540
     153.540 Compliance with risk corridors standards.
45:2.0.1.1.11.7SUBPART G
Subpart G - Health Insurance Issuer Standards Related to the Risk Adjustment Program
45:2.0.1.1.11.7.1.1SECTION 153.600
     153.600 [Reserved]
45:2.0.1.1.11.7.1.2SECTION 153.610
     153.610 Risk adjustment issuer requirements.
45:2.0.1.1.11.7.1.3SECTION 153.620
     153.620 Compliance with risk adjustment standards.
45:2.0.1.1.11.7.1.4SECTION 153.630
     153.630 Data validation requirements when HHS operates risk adjustment.
45:2.0.1.1.11.8SUBPART H
Subpart H - Distributed Data Collection for HHS-Operated Programs
45:2.0.1.1.11.8.1.1SECTION 153.700
     153.700 Distributed data environment.
45:2.0.1.1.11.8.1.2SECTION 153.710
     153.710 Data requirements.
45:2.0.1.1.11.8.1.3SECTION 153.720
     153.720 Establishment and usage of masked enrollee identification numbers.
45:2.0.1.1.11.8.1.4SECTION 153.730
     153.730 Deadline for submission of data.
45:2.0.1.1.11.8.1.5SECTION 153.740
     153.740 Failure to comply with HHS-operated risk adjustment and reinsurance data requirements.
45:2.0.1.1.12PART 154
PART 154 - HEALTH INSURANCE ISSUER RATE INCREASES: DISCLOSURE AND REVIEW REQUIREMENTS
45:2.0.1.1.12.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.12.1.1.1SECTION 154.101
     154.101 Basis and scope.
45:2.0.1.1.12.1.1.2SECTION 154.102
     154.102 Definitions.
45:2.0.1.1.12.1.1.3SECTION 154.103
     154.103 Applicability.
45:2.0.1.1.12.2SUBPART B
Subpart B - Disclosure and Review Provisions
45:2.0.1.1.12.2.1.1SECTION 154.200
     154.200 Rate increases subject to review.
45:2.0.1.1.12.2.1.2SECTION 154.205
     154.205 Unreasonable rate increases.
45:2.0.1.1.12.2.1.3SECTION 154.210
     154.210 Review of rate increases subject to review by CMS or by a State.
45:2.0.1.1.12.2.1.4SECTION 154.215
     154.215 Submission of rate filing justification.
45:2.0.1.1.12.2.1.5SECTION 154.220
     154.220 Timing of providing the rate filing justification.
45:2.0.1.1.12.2.1.6SECTION 154.225
     154.225 Determination by CMS or a State of an unreasonable rate increase.
45:2.0.1.1.12.2.1.7SECTION 154.230
     154.230 Submission and posting of Final Justifications for unreasonable rate increases.
45:2.0.1.1.12.3SUBPART C
Subpart C - Effective Rate Review Programs
45:2.0.1.1.12.3.1.1SECTION 154.301
     154.301 CMS's determinations of Effective Rate Review Programs.
45:2.0.1.1.13PART 155
PART 155 - EXCHANGE ESTABLISHMENT STANDARDS AND OTHER RELATED STANDARDS UNDER THE AFFORDABLE CARE ACT
45:2.0.1.1.13.1SUBPART A
Subpart A - General Provisions.
45:2.0.1.1.13.1.1.1SECTION 155.10
     155.10 Basis and scope.
45:2.0.1.1.13.1.1.2SECTION 155.20
     155.20 Definitions.
45:2.0.1.1.13.2SUBPART B
Subpart B - General Standards Related to the Establishment of an Exchange
45:2.0.1.1.13.2.1.1SECTION 155.100
     155.100 Establishment of a State Exchange.
45:2.0.1.1.13.2.1.2SECTION 155.105
     155.105 Approval of a State Exchange.
45:2.0.1.1.13.2.1.3SECTION 155.106
     155.106 Election to operate an Exchange after 2014.
45:2.0.1.1.13.2.1.4SECTION 155.110
     155.110 Entities eligible to carry out Exchange functions.
45:2.0.1.1.13.2.1.5SECTION 155.120
     155.120 Non-interference with Federal law and non-discrimination standards.
45:2.0.1.1.13.2.1.6SECTION 155.130
     155.130 Stakeholder consultation.
45:2.0.1.1.13.2.1.7SECTION 155.140
     155.140 Establishment of a regional Exchange or subsidiary Exchange.
45:2.0.1.1.13.2.1.8SECTION 155.150
     155.150 Transition process for existing State health insurance exchanges.
45:2.0.1.1.13.2.1.9SECTION 155.160
     155.160 Financial support for continued operations.
45:2.0.1.1.13.2.1.10SECTION 155.170
     155.170 Additional required benefits.
45:2.0.1.1.13.3SUBPART C
Subpart C - General Functions of an Exchange
45:2.0.1.1.13.3.1.1SECTION 155.200
     155.200 Functions of an Exchange.
45:2.0.1.1.13.3.1.2SECTION 155.205
     155.205 Consumer assistance tools and programs of an Exchange.
45:2.0.1.1.13.3.1.3SECTION 155.206
     155.206 Civil money penalties for violations of applicable Exchange standards by consumer assistance entities in Federally-facilitated Exchanges.
45:2.0.1.1.13.3.1.4SECTION 155.210
     155.210 Navigator program standards.
45:2.0.1.1.13.3.1.5SECTION 155.215
     155.215 Standards applicable to Navigators and Non-Navigator Assistance Personnel carrying out consumer assistance functions under §§ 155.205(d) and (e) and 155.210 in a Federally-facilitated Exchange and to Non-Navigator Assistance Personnel funded through an Exchange Establishment Grant.
45:2.0.1.1.13.3.1.6SECTION 155.220
     155.220 Ability of States to permit agents and brokers and web-brokers to assist qualified individuals, qualified employers, or qualified employees enrolling in QHPs.
45:2.0.1.1.13.3.1.7SECTION 155.221
     155.221 Standards for direct enrollment entities and for third-parties to perform audits of direct enrollment entities.
45:2.0.1.1.13.3.1.8SECTION 155.222
     155.222 Standards for HHS-approved vendors of Federally-facilitated Exchange training for agents and brokers.
45:2.0.1.1.13.3.1.9SECTION 155.225
     155.225 Certified application counselors.
45:2.0.1.1.13.3.1.10SECTION 155.227
     155.227 Authorized representatives.
45:2.0.1.1.13.3.1.11SECTION 155.230
     155.230 General standards for Exchange notices.
45:2.0.1.1.13.3.1.12SECTION 155.240
     155.240 Payment of premiums.
45:2.0.1.1.13.3.1.13SECTION 155.260
     155.260 Privacy and security of personally identifiable information.
45:2.0.1.1.13.3.1.14SECTION 155.270
     155.270 Use of standards and protocols for electronic transactions.
45:2.0.1.1.13.3.1.15SECTION 155.280
     155.280 Oversight and monitoring of privacy and security requirements.
45:2.0.1.1.13.3.1.16SECTION 155.285
     155.285 Bases and process for imposing civil penalties for provision of false or fraudulent information to an Exchange or improper use or disclosure of information.
45:2.0.1.1.13.4SUBPART D
Subpart D - Exchange Functions in the Individual Market: Eligibility Determinations for Exchange Participation and Insurance Affordability Programs
45:2.0.1.1.13.4.1.1SECTION 155.300
     155.300 Definitions and general standards for eligibility determinations.
45:2.0.1.1.13.4.1.2SECTION 155.302
     155.302 Options for conducting eligibility determinations.
45:2.0.1.1.13.4.1.3SECTION 155.305
     155.305 Eligibility standards.
45:2.0.1.1.13.4.1.4SECTION 155.310
     155.310 Eligibility process.
45:2.0.1.1.13.4.1.5SECTION 155.315
     155.315 Verification process related to eligibility for enrollment in a QHP through the Exchange.
45:2.0.1.1.13.4.1.6SECTION 155.320
     155.320 Verification process related to eligibility for insurance affordability programs.
45:2.0.1.1.13.4.1.7SECTION 155.330
     155.330 Eligibility redetermination during a benefit year.
45:2.0.1.1.13.4.1.8SECTION 155.335
     155.335 Annual eligibility redetermination.
45:2.0.1.1.13.4.1.9SECTION 155.340
     155.340 Administration of advance payments of the premium tax credit and cost-sharing reductions.
45:2.0.1.1.13.4.1.10SECTION 155.345
     155.345 Coordination with Medicaid, CHIP, the Basic Health Program, and the Pre-existing Condition Insurance Plan.
45:2.0.1.1.13.4.1.11SECTION 155.350
     155.350 Special eligibility standards and process for Indians.
45:2.0.1.1.13.4.1.12SECTION 155.355
     155.355 Right to appeal.
45:2.0.1.1.13.5SUBPART E
Subpart E - Exchange Functions in the Individual Market: Enrollment in Qualified Health Plans
45:2.0.1.1.13.5.1.1SECTION 155.400
     155.400 Enrollment of qualified individuals into QHPs.
45:2.0.1.1.13.5.1.2SECTION 155.405
     155.405 Single streamlined application.
45:2.0.1.1.13.5.1.3SECTION 155.410
     155.410 Initial and annual open enrollment periods.
45:2.0.1.1.13.5.1.4SECTION 155.415
     155.415 Allowing issuer or direct enrollment entity application assisters to assist with eligibility applications.
45:2.0.1.1.13.5.1.5SECTION 155.420
     155.420 Special enrollment periods.
45:2.0.1.1.13.5.1.6SECTION 155.430
     155.430 Termination of Exchange enrollment or coverage.
45:2.0.1.1.13.6SUBPART F
Subpart F - Appeals of Eligibility Determinations for Exchange Participation and Insurance Affordability Programs
45:2.0.1.1.13.6.1.1SECTION 155.500
     155.500 Definitions.
45:2.0.1.1.13.6.1.2SECTION 155.505
     155.505 General eligibility appeals requirements.
45:2.0.1.1.13.6.1.3SECTION 155.510
     155.510 Appeals coordination.
45:2.0.1.1.13.6.1.4SECTION 155.515
     155.515 Notice of appeal procedures.
45:2.0.1.1.13.6.1.5SECTION 155.520
     155.520 Appeal requests.
45:2.0.1.1.13.6.1.6SECTION 155.525
     155.525 Eligibility pending appeal.
45:2.0.1.1.13.6.1.7SECTION 155.530
     155.530 Dismissals.
45:2.0.1.1.13.6.1.8SECTION 155.535
     155.535 Informal resolution and hearing requirements.
45:2.0.1.1.13.6.1.9SECTION 155.540
     155.540 Expedited appeals.
45:2.0.1.1.13.6.1.10SECTION 155.545
     155.545 Appeal decisions.
45:2.0.1.1.13.6.1.11SECTION 155.550
     155.550 Appeal record.
45:2.0.1.1.13.6.1.12SECTION 155.555
     155.555 Employer appeals process.
45:2.0.1.1.13.7SUBPART G
Subpart G - Exchange Functions in the Individual Market: Eligibility Determinations for Exemptions
45:2.0.1.1.13.7.1.1SECTION 155.600
     155.600 Definitions and general requirements.
45:2.0.1.1.13.7.1.2SECTION 155.605
     155.605 Eligibility standards for exemptions.
45:2.0.1.1.13.7.1.3SECTION 155.610
     155.610 Eligibility process for exemptions.
45:2.0.1.1.13.7.1.4SECTION 155.615
     155.615 Verification process related to eligibility for exemptions.
45:2.0.1.1.13.7.1.5SECTION 155.620
     155.620 Eligibility redeterminations for exemptions during a calendar year.
45:2.0.1.1.13.7.1.6SECTION 155.625
     155.625 Options for conducting eligibility determinations for exemptions.
45:2.0.1.1.13.7.1.7SECTION 155.630
     155.630 Reporting.
45:2.0.1.1.13.7.1.8SECTION 155.635
     155.635 Right to appeal.
45:2.0.1.1.13.8SUBPART H
Subpart H - Exchange Functions: Small Business Health Options Program (SHOP)
45:2.0.1.1.13.8.1.1SECTION 155.700
     155.700 Standards for the establishment of a SHOP.
45:2.0.1.1.13.8.1.2SECTION 155.705
     155.705 Functions of a SHOP for plan years beginning prior to January 1, 2018.
45:2.0.1.1.13.8.1.3SECTION 155.706
     155.706 Functions of a SHOP for plan years beginning on or after January 1, 2018.
45:2.0.1.1.13.8.1.4SECTION 155.710
     155.710 Eligibility standards for SHOP.
45:2.0.1.1.13.8.1.5SECTION 155.715
     155.715 Eligibility determination process for SHOP for plan years beginning prior to January 1, 2018.
45:2.0.1.1.13.8.1.6SECTION 155.716
     155.716 Eligibility determination process for SHOP for plan years beginning on or after January 1, 2018.
45:2.0.1.1.13.8.1.7SECTION 155.720
     155.720 Enrollment of employees into QHPs under SHOP for plan years beginning prior to January 1, 2018.
45:2.0.1.1.13.8.1.8SECTION 155.721
     155.721 Record retention and IRS Reporting for plan years beginning on or after January 1, 2018.
45:2.0.1.1.13.8.1.9SECTION 155.725
     155.725 Enrollment periods under SHOP for plan years beginning prior to January 1, 2018.
45:2.0.1.1.13.8.1.10SECTION 155.726
     155.726 Enrollment periods under SHOP for plan years beginning on or after January 1, 2018.
45:2.0.1.1.13.8.1.11SECTION 155.730
     155.730 Application standards for SHOP for plan year beginning prior to January 1, 2018.
45:2.0.1.1.13.8.1.12SECTION 155.731
     155.731 Application standards for SHOP for plan years beginning on or after January 1, 2018.
45:2.0.1.1.13.8.1.13SECTION 155.735
     155.735 Termination of SHOP enrollment or coverage for plan years beginning prior to January 1, 2018.
45:2.0.1.1.13.8.1.14SECTION 155.740
     155.740 SHOP employer and employee eligibility appeals requirements for plan years beginning prior to January 1, 2018.
45:2.0.1.1.13.8.1.15SECTION 155.741
     155.741 SHOP employer and employee eligibility appeals requirements for plan year beginning on or after January 1, 2018.
45:2.0.1.1.13.9SUBPART I
Subparts I-J [Reserved]
45:2.0.1.1.13.10SUBPART K
Subpart K - Exchange Functions: Certification of Qualified Health Plans
45:2.0.1.1.13.10.1.1SECTION 155.1000
     155.1000 Certification standards for QHPs.
45:2.0.1.1.13.10.1.2SECTION 155.1010
     155.1010 Certification process for QHPs.
45:2.0.1.1.13.10.1.3SECTION 155.1020
     155.1020 QHP issuer rate and benefit information.
45:2.0.1.1.13.10.1.4SECTION 155.1030
     155.1030 QHP certification standards related to advance payments of the premium tax credit and cost-sharing reductions.
45:2.0.1.1.13.10.1.5SECTION 155.1040
     155.1040 Transparency in coverage.
45:2.0.1.1.13.10.1.6SECTION 155.1045
     155.1045 Accreditation timeline.
45:2.0.1.1.13.10.1.7SECTION 155.1050
     155.1050 Establishment of Exchange network adequacy standards.
45:2.0.1.1.13.10.1.8SECTION 155.1055
     155.1055 Service area of a QHP.
45:2.0.1.1.13.10.1.9SECTION 155.1065
     155.1065 Stand-alone dental plans.
45:2.0.1.1.13.10.1.10SECTION 155.1075
     155.1075 Recertification of QHPs.
45:2.0.1.1.13.10.1.11SECTION 155.1080
     155.1080 Decertification of QHPs.
45:2.0.1.1.13.10.1.12SECTION 155.1090
     155.1090 Request for reconsideration.
45:2.0.1.1.13.11SUBPART L
Subpart L [Reserved]
45:2.0.1.1.13.12SUBPART M
Subpart M - Oversight and Program Integrity Standards for State Exchanges
45:2.0.1.1.13.12.1.1SECTION 155.1200
     155.1200 General program integrity and oversight requirements.
45:2.0.1.1.13.12.1.2SECTION 155.1210
     155.1210 Maintenance of records.
45:2.0.1.1.13.13SUBPART N
Subpart N - State Flexibility
45:2.0.1.1.13.13.1.1SECTION 155.1300
     155.1300 Basis and purpose.
45:2.0.1.1.13.13.1.2SECTION 155.1302
     155.1302 Coordinated waiver process.
45:2.0.1.1.13.13.1.3SECTION 155.1304
     155.1304 Definitions.
45:2.0.1.1.13.13.1.4SECTION 155.1308
     155.1308 Application procedures.
45:2.0.1.1.13.13.1.5SECTION 155.1312
     155.1312 State public notice requirements.
45:2.0.1.1.13.13.1.6SECTION 155.1316
     155.1316 Federal public notice and approval process.
45:2.0.1.1.13.13.1.7SECTION 155.1318
     155.1318 Modification from the normal public notice requirements during the public health emergency.
45:2.0.1.1.13.13.1.8SECTION 155.1320
     155.1320 Monitoring and compliance.
45:2.0.1.1.13.13.1.9SECTION 155.1324
     155.1324 State reporting requirements.
45:2.0.1.1.13.13.1.10SECTION 155.1328
     155.1328 Periodic evaluation requirements.
45:2.0.1.1.13.14SUBPART O
Subpart O - Quality Reporting Standards for Exchanges
45:2.0.1.1.13.14.1.1SECTION 155.1400
     155.1400 Quality rating system.
45:2.0.1.1.13.14.1.2SECTION 155.1405
     155.1405 Enrollee satisfaction survey system.
45:2.0.1.1.14PART 156
PART 156 - HEALTH INSURANCE ISSUER STANDARDS UNDER THE AFFORDABLE CARE ACT, INCLUDING STANDARDS RELATED TO EXCHANGES
45:2.0.1.1.14.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.14.1.1.1SECTION 156.10
     156.10 Basis and scope.
45:2.0.1.1.14.1.1.2SECTION 156.20
     156.20 Definitions.
45:2.0.1.1.14.1.1.3SECTION 156.50
     156.50 Financial support.
45:2.0.1.1.14.1.1.4SECTION 156.80
     156.80 Single risk pool.
45:2.0.1.1.14.2SUBPART B
Subpart B - Essential Health Benefits Package
45:2.0.1.1.14.2.1.1SECTION 156.100
     156.100 State selection of benchmark plan for plan years beginning prior to January 1, 2020.
45:2.0.1.1.14.2.1.2SECTION 156.105
     156.105 Determination of EHB for multi-state plans.
45:2.0.1.1.14.2.1.3SECTION 156.110
     156.110 EHB-benchmark plan standards.
45:2.0.1.1.14.2.1.4SECTION 156.111
     156.111 State selection of EHB-benchmark plan for plan years beginning on or after January 1, 2020, and annual reporting of state-required benefits.
45:2.0.1.1.14.2.1.5SECTION 156.115
     156.115 Provision of EHB.
45:2.0.1.1.14.2.1.6SECTION 156.120
     156.120 Collection of data to define essential health benefits.
45:2.0.1.1.14.2.1.7SECTION 156.122
     156.122 Prescription drug benefits.
45:2.0.1.1.14.2.1.8SECTION 156.125
     156.125 Prohibition on discrimination.
45:2.0.1.1.14.2.1.9SECTION 156.130
     156.130 Cost-sharing requirements.
45:2.0.1.1.14.2.1.10SECTION 156.135
     156.135 AV calculation for determining level of coverage.
45:2.0.1.1.14.2.1.11SECTION 156.140
     156.140 Levels of coverage.
45:2.0.1.1.14.2.1.12SECTION 156.145
     156.145 Determination of minimum value.
45:2.0.1.1.14.2.1.13SECTION 156.150
     156.150 Application to stand-alone dental plans inside the Exchange.
45:2.0.1.1.14.2.1.14SECTION 156.155
     156.155 Enrollment in catastrophic plans.
45:2.0.1.1.14.3SUBPART C
Subpart C - Qualified Health Plan Minimum Certification Standards
45:2.0.1.1.14.3.1.1SECTION 156.200
     156.200 QHP issuer participation standards.
45:2.0.1.1.14.3.1.2SECTION 156.210
     156.210 QHP rate and benefit information.
45:2.0.1.1.14.3.1.3SECTION 156.215
     156.215 Advance payments of the premium tax credit and cost-sharing reduction standards.
45:2.0.1.1.14.3.1.4SECTION 156.220
     156.220 Transparency in coverage.
45:2.0.1.1.14.3.1.5SECTION 156.221
     156.221 Access to and exchange of health data and plan information.
45:2.0.1.1.14.3.1.6SECTION 156.225
     156.225 Marketing and Benefit Design of QHPs.
45:2.0.1.1.14.3.1.7SECTION 156.230
     156.230 Network adequacy standards.
45:2.0.1.1.14.3.1.8SECTION 156.235
     156.235 Essential community providers.
45:2.0.1.1.14.3.1.9SECTION 156.245
     156.245 Treatment of direct primary care medical homes.
45:2.0.1.1.14.3.1.10SECTION 156.250
     156.250 Meaningful access to qualified health plan information.
45:2.0.1.1.14.3.1.11SECTION 156.255
     156.255 Rating variations.
45:2.0.1.1.14.3.1.12SECTION 156.260
     156.260 Enrollment periods for qualified individuals.
45:2.0.1.1.14.3.1.13SECTION 156.265
     156.265 Enrollment process for qualified individuals.
45:2.0.1.1.14.3.1.14SECTION 156.270
     156.270 Termination of coverage or enrollment for qualified individuals.
45:2.0.1.1.14.3.1.15SECTION 156.272
     156.272 Issuer participation for the full plan year.
45:2.0.1.1.14.3.1.16SECTION 156.275
     156.275 Accreditation of QHP issuers.
45:2.0.1.1.14.3.1.17SECTION 156.280
     156.280 Separate billing and segregation of funds for abortion services.
45:2.0.1.1.14.3.1.18SECTION 156.285
     156.285 Additional standards specific to SHOP for plan years beginning prior to January 1, 2018.
45:2.0.1.1.14.3.1.19SECTION 156.286
     156.286 Additional standards specific to SHOP for plan years beginning on or after January 1, 2018.
45:2.0.1.1.14.3.1.20SECTION 156.290
     156.290 Non-certification and decertification of QHPs.
45:2.0.1.1.14.3.1.21SECTION 156.295
     156.295 Prescription drug distribution and cost reporting.
45:2.0.1.1.14.4SUBPART D
Subpart D - Standards for Qualified Health Plan Issuers on Federally-Facilitated Exchanges and State-Based Exchanges on the Federal Platform
45:2.0.1.1.14.4.1.1SECTION 156.330
     156.330 Changes of ownership of issuers of Qualified Health Plans in Federally-facilitated Exchanges.
45:2.0.1.1.14.4.1.2SECTION 156.340
     156.340 Standards for downstream and delegated entities.
45:2.0.1.1.14.4.1.3SECTION 156.350
     156.350 Eligibility and enrollment standards for Qualified Health Plan issuers on State-based Exchanges on the Federal platform.
45:2.0.1.1.14.5SUBPART E
Subpart E - Health Insurance Issuer Responsibilities With Respect to Advance Payments of the Premium Tax Credit and Cost-Sharing Reductions
45:2.0.1.1.14.5.1.1SECTION 156.400
     156.400 Definitions.
45:2.0.1.1.14.5.1.2SECTION 156.410
     156.410 Cost-sharing reductions for enrollees.
45:2.0.1.1.14.5.1.3SECTION 156.420
     156.420 Plan variations.
45:2.0.1.1.14.5.1.4SECTION 156.425
     156.425 Changes in eligibility for cost-sharing reductions.
45:2.0.1.1.14.5.1.5SECTION 156.430
     156.430 Payment for cost-sharing reductions.
45:2.0.1.1.14.5.1.6SECTION 156.440
     156.440 Plans eligible for advance payments of the premium tax credit and cost-sharing reductions.
45:2.0.1.1.14.5.1.7SECTION 156.460
     156.460 Reduction of enrollee's share of premium to account for advance payments of the premium tax credit.
45:2.0.1.1.14.5.1.8SECTION 156.470
     156.470 Allocation of rates for advance payments of the premium tax credit.
45:2.0.1.1.14.5.1.9SECTION 156.480
     156.480 Oversight of the administration of the cost-sharing reductions and advance payments of the premium tax credit programs.
45:2.0.1.1.14.6SUBPART F
Subpart F - Consumer Operated and Oriented Plan Program
45:2.0.1.1.14.6.1.1SECTION 156.500
     156.500 Basis and scope.
45:2.0.1.1.14.6.1.2SECTION 156.505
     156.505 Definitions.
45:2.0.1.1.14.6.1.3SECTION 156.510
     156.510 Eligibility.
45:2.0.1.1.14.6.1.4SECTION 156.515
     156.515 CO-OP standards.
45:2.0.1.1.14.6.1.5SECTION 156.520
     156.520 Loan terms.
45:2.0.1.1.14.7SUBPART G
Subpart G - Minimum Essential Coverage
45:2.0.1.1.14.7.1.1SECTION 156.600
     156.600 The definition of minimum essential coverage.
45:2.0.1.1.14.7.1.2SECTION 156.602
     156.602 Other coverage that qualifies as minimum essential coverage.
45:2.0.1.1.14.7.1.3SECTION 156.604
     156.604 Requirements for recognition as minimum essential coverage for types of coverage not otherwise designated minimum essential coverage in the statute or this subpart.
45:2.0.1.1.14.7.1.4SECTION 156.606
     156.606 HHS audit authority.
45:2.0.1.1.14.8SUBPART H
Subpart H - Oversight and Financial Integrity Standards for Issuers of Qualified Health Plans in Federally-Facilitated Exchanges
45:2.0.1.1.14.8.1.1SECTION 156.705
     156.705 Maintenance of records for Federally-facilitated Exchanges.
45:2.0.1.1.14.8.1.2SECTION 156.715
     156.715 Compliance reviews of QHP issuers in Federally-facilitated Exchanges.
45:2.0.1.1.14.9SUBPART I
Subpart I - Enforcement Remedies in Federally-Facilitated Exchanges
45:2.0.1.1.14.9.1.1SECTION 156.800
     156.800 Available remedies; Scope.
45:2.0.1.1.14.9.1.2SECTION 156.805
     156.805 Bases and process for imposing civil money penalties in Federally-facilitated Exchanges.
45:2.0.1.1.14.9.1.3SECTION 156.806
     156.806 Notice of non-compliance.
45:2.0.1.1.14.9.1.4SECTION 156.810
     156.810 Bases and process for decertification of a QHP offered by an issuer through a Federally-facilitated Exchange.
45:2.0.1.1.14.9.1.5SECTION 156.815
     156.815 Plan suppression.
45:2.0.1.1.14.10SUBPART J
Subpart J - Administrative Review of QHP Issuer Sanctions in Federally-Facilitated Exchanges
45:2.0.1.1.14.10.1.1SECTION 156.901
     156.901 Definitions.
45:2.0.1.1.14.10.1.2SECTION 156.903
     156.903 Scope of Administrative Law Judge's (ALJ) authority.
45:2.0.1.1.14.10.1.3SECTION 156.905
     156.905 Filing of request for hearing.
45:2.0.1.1.14.10.1.4SECTION 156.907
     156.907 Form and content of request for hearing.
45:2.0.1.1.14.10.1.5SECTION 156.909
     156.909 Amendment of notice of assessment or decertification request for hearing.
45:2.0.1.1.14.10.1.6SECTION 156.911
     156.911 Dismissal of request for hearing.
45:2.0.1.1.14.10.1.7SECTION 156.913
     156.913 Settlement.
45:2.0.1.1.14.10.1.8SECTION 156.915
     156.915 Intervention.
45:2.0.1.1.14.10.1.9SECTION 156.917
     156.917 Issues to be heard and decided by ALJ.
45:2.0.1.1.14.10.1.10SECTION 156.919
     156.919 Forms of hearing.
45:2.0.1.1.14.10.1.11SECTION 156.921
     156.921 Appearance of counsel.
45:2.0.1.1.14.10.1.12SECTION 156.923
     156.923 Communications with the ALJ.
45:2.0.1.1.14.10.1.13SECTION 156.925
     156.925 Motions.
45:2.0.1.1.14.10.1.14SECTION 156.927
     156.927 Form and service of submissions.
45:2.0.1.1.14.10.1.15SECTION 156.929
     156.929 Computation of time and extensions of time.
45:2.0.1.1.14.10.1.16SECTION 156.931
     156.931 Acknowledgment of request for hearing.
45:2.0.1.1.14.10.1.17SECTION 156.935
     156.935 Discovery.
45:2.0.1.1.14.10.1.18SECTION 156.937
     156.937 Submission of briefs and proposed hearing exhibits.
45:2.0.1.1.14.10.1.19SECTION 156.939
     156.939 Effect of submission of proposed hearing exhibits.
45:2.0.1.1.14.10.1.20SECTION 156.941
     156.941 Prehearing conferences.
45:2.0.1.1.14.10.1.21SECTION 156.943
     156.943 Standard of proof.
45:2.0.1.1.14.10.1.22SECTION 156.945
     156.945 Evidence.
45:2.0.1.1.14.10.1.23SECTION 156.947
     156.947 The record.
45:2.0.1.1.14.10.1.24SECTION 156.951
     156.951 Posthearing briefs.
45:2.0.1.1.14.10.1.25SECTION 156.953
     156.953 ALJ decision.
45:2.0.1.1.14.10.1.26SECTION 156.955
     156.955 Sanctions.
45:2.0.1.1.14.10.1.27SECTION 156.957
     156.957 Review by Administrator.
45:2.0.1.1.14.10.1.28SECTION 156.959
     156.959 Judicial review.
45:2.0.1.1.14.10.1.29SECTION 156.961
     156.961 Failure to pay assessment.
45:2.0.1.1.14.10.1.30SECTION 156.963
     156.963 Final order not subject to review.
45:2.0.1.1.14.11SUBPART K
Subpart K - Cases Forwarded to Qualified Health Plans and Qualified Health Plan Issuers in Federally-facilitated Exchanges
45:2.0.1.1.14.11.1.1SECTION 156.1010
     156.1010 Standards.
45:2.0.1.1.14.12SUBPART L
Subpart L - Quality Standards
45:2.0.1.1.14.12.1.1SECTION 156.1105
     156.1105 Establishment of standards for HHS-approved enrollee satisfaction survey vendors for use by QHP issuers in Exchanges.
45:2.0.1.1.14.12.1.2SECTION 156.1110
     156.1110 Establishment of patient safety standards for QHP issuers.
45:2.0.1.1.14.12.1.3SECTION 156.1120
     156.1120 Quality rating system.
45:2.0.1.1.14.12.1.4SECTION 156.1125
     156.1125 Enrollee satisfaction survey system.
45:2.0.1.1.14.12.1.5SECTION 156.1130
     156.1130 Quality improvement strategy.
45:2.0.1.1.14.13SUBPART M
Subpart M - Qualified Health Plan Issuer Responsibilities
45:2.0.1.1.14.13.1.1SECTION 156.1210
     156.1210 Dispute submission.
45:2.0.1.1.14.13.1.2SECTION 156.1215
     156.1215 Payment and collections processes.
45:2.0.1.1.14.13.1.3SECTION 156.1220
     156.1220 Administrative appeals.
45:2.0.1.1.14.13.1.4SECTION 156.1230
     156.1230 Direct enrollment with the QHP issuer in a manner considered to be through the Exchange.
45:2.0.1.1.14.13.1.5SECTION 156.1240
     156.1240 Enrollment process for qualified individuals.
45:2.0.1.1.14.13.1.6SECTION 156.1250
     156.1250 Acceptance of certain third party payments.
45:2.0.1.1.14.13.1.7SECTION 156.1255
     156.1255 Renewal and re-enrollment notices.
45:2.0.1.1.14.13.1.8SECTION 156.1256
     156.1256 Other notices.
45:2.0.1.1.15PART 157
PART 157 - EMPLOYER INTERACTIONS WITH EXCHANGES AND SHOP PARTICIPATION
45:2.0.1.1.15.1SUBPART A
Subpart A - General Provisions
45:2.0.1.1.15.1.1.1SECTION 157.10
     157.10 Basis and scope.
45:2.0.1.1.15.1.1.2SECTION 157.20
     157.20 Definitions.
45:2.0.1.1.15.2SUBPART B
Subpart B [Reserved]
45:2.0.1.1.15.3SUBPART C
Subpart C - Standards for Qualified Employers
45:2.0.1.1.15.3.1.1SECTION 157.200
     157.200 Eligibility of qualified employers to participate in a SHOP.
45:2.0.1.1.15.3.1.2SECTION 157.205
     157.205 Qualified employer participation process in a SHOP for plan years beginning prior to January 1, 2018.
45:2.0.1.1.15.3.1.3SECTION 157.206
     157.206 Qualified employer participation process in a SHOP for plan years beginning on or after January 1, 2018.
45:2.0.1.1.16PART 158
PART 158 - ISSUER USE OF PREMIUM REVENUE: REPORTING AND REBATE REQUIREMENTS
45:2.0.1.1.16.0.1.1SECTION 158.101
     158.101 Basis and scope.
45:2.0.1.1.16.0.1.2SECTION 158.102
     158.102 Applicability.
45:2.0.1.1.16.0.1.3SECTION 158.103
     158.103 Definitions.
45:2.0.1.1.16.1SUBPART A
Subpart A - Disclosure and Reporting
45:2.0.1.1.16.1.1.1SECTION 158.110
     158.110 Reporting requirements related to premiums and expenditures.
45:2.0.1.1.16.1.1.2SECTION 158.120
     158.120 Aggregate reporting.
45:2.0.1.1.16.1.1.3SECTION 158.121
     158.121 Newer experience.
45:2.0.1.1.16.1.1.4SECTION 158.130
     158.130 Premium revenue.
45:2.0.1.1.16.1.1.5SECTION 158.140
     158.140 Reimbursement for clinical services provided to enrollees.
45:2.0.1.1.16.1.1.6SECTION 158.150
     158.150 Activities that improve health care quality.
45:2.0.1.1.16.1.1.7SECTION 158.151
     158.151 Expenditures related to Health Information Technology and meaningful use requirements.
45:2.0.1.1.16.1.1.8SECTION 158.160
     158.160 Other non-claims costs.
45:2.0.1.1.16.1.1.9SECTION 158.161
     158.161 Reporting of Federal and State licensing and regulatory fees.
45:2.0.1.1.16.1.1.10SECTION 158.162
     158.162 Reporting of Federal and State taxes.
45:2.0.1.1.16.1.1.11SECTION 158.170
     158.170 Allocation of expenses.
45:2.0.1.1.16.2SUBPART B
Subpart B - Calculating and Providing the Rebate
45:2.0.1.1.16.2.1.1SECTION 158.210
     158.210 Minimum medical loss ratio.
45:2.0.1.1.16.2.1.2SECTION 158.211
     158.211 Requirement in States with a higher medical loss ratio.
45:2.0.1.1.16.2.1.3SECTION 158.220
     158.220 Aggregation of data in calculating an issuer's medical loss ratio.
45:2.0.1.1.16.2.1.4SECTION 158.221
     158.221 Formula for calculating an issuer's medical loss ratio.
45:2.0.1.1.16.2.1.5SECTION 158.230
     158.230 Credibility adjustment.
45:2.0.1.1.16.2.1.6SECTION 158.231
     158.231 Life-years used to determine credible experience.
45:2.0.1.1.16.2.1.7SECTION 158.232
     158.232 Calculating the credibility adjustment.
45:2.0.1.1.16.2.1.8SECTION 158.240
     158.240 Rebating premium if the applicable medical loss ratio standard is not met.
45:2.0.1.1.16.2.1.9SECTION 158.241
     158.241 Form of rebate.
45:2.0.1.1.16.2.1.10SECTION 158.242
     158.242 Recipients of rebates.
45:2.0.1.1.16.2.1.11SECTION 158.243
     158.243 De minimis rebates.
45:2.0.1.1.16.2.1.12SECTION 158.244
     158.244 Unclaimed rebates.
45:2.0.1.1.16.2.1.13SECTION 158.250
     158.250 Notice of rebates.
45:2.0.1.1.16.2.1.14SECTION 158.251
     158.251 Notice of MLR information.
45:2.0.1.1.16.2.1.15SECTION 158.260
     158.260 Reporting of rebates.
45:2.0.1.1.16.2.1.16SECTION 158.270
     158.270 Effect of rebate payments on solvency.
45:2.0.1.1.16.3SUBPART C
Subpart C - Potential Adjustment to the MLR for a State's Individual Market
45:2.0.1.1.16.3.1.1SECTION 158.301
     158.301 Standard for adjustment to the medical loss ratio.
45:2.0.1.1.16.3.1.2SECTION 158.310
     158.310 Who may request adjustment to the medical loss ratio.
45:2.0.1.1.16.3.1.3SECTION 158.311
     158.311 Duration of adjustment to the medical loss ratio.
45:2.0.1.1.16.3.1.4SECTION 158.320
     158.320 Information supporting a request for adjustment to the medical loss ratio.
45:2.0.1.1.16.3.1.5SECTION 158.321
     158.321 Information regarding the State's individual health insurance market.
45:2.0.1.1.16.3.1.6SECTION 158.322
     158.322 Proposal for adjusted medical loss ratio.
45:2.0.1.1.16.3.1.7SECTION 158.323
     158.323 State contact information.
45:2.0.1.1.16.3.1.8SECTION 158.330
     158.330 Criteria for assessing request for adjustment to the medical loss ratio.
45:2.0.1.1.16.3.1.9SECTION 158.340
     158.340 Process for submitting request for adjustment to the medical loss ratio.
45:2.0.1.1.16.3.1.10SECTION 158.341
     158.341 Treatment as a public document.
45:2.0.1.1.16.3.1.11SECTION 158.342
     158.342 Invitation for public comments.
45:2.0.1.1.16.3.1.12SECTION 158.343
     158.343 Optional State hearing.
45:2.0.1.1.16.3.1.13SECTION 158.344
     158.344 Secretary's discretion to hold a hearing.
45:2.0.1.1.16.3.1.14SECTION 158.345
     158.345 Determination on a State's request for adjustment to the medical loss ratio.
45:2.0.1.1.16.3.1.15SECTION 158.346
     158.346 Request for reconsideration.
45:2.0.1.1.16.3.1.16SECTION 158.350
     158.350 Subsequent requests for adjustment to the medical loss ratio.
45:2.0.1.1.16.4SUBPART D
Subpart D - HHS Enforcement
45:2.0.1.1.16.4.1.1SECTION 158.401
     158.401 HHS enforcement.
45:2.0.1.1.16.4.1.2SECTION 158.402
     158.402 Audits.
45:2.0.1.1.16.4.1.3SECTION 158.403
     158.403 Circumstances in which a State is conducting audits of issuers.
45:2.0.1.1.16.5SUBPART E
Subpart E - Additional Requirements on Issuers
45:2.0.1.1.16.5.1.1SECTION 158.501
     158.501 Access to facilities and records.
45:2.0.1.1.16.5.1.2SECTION 158.502
     158.502 Maintenance of records.
45:2.0.1.1.16.6SUBPART F
Subpart F - Federal Civil Penalties
45:2.0.1.1.16.6.1.1SECTION 158.601
     158.601 General rule regarding the imposition of civil penalties.
45:2.0.1.1.16.6.1.2SECTION 158.602
     158.602 Basis for imposing civil penalties.
45:2.0.1.1.16.6.1.3SECTION 158.603
     158.603 Notice to responsible entities.
45:2.0.1.1.16.6.1.4SECTION 158.604
     158.604 Request for extension.
45:2.0.1.1.16.6.1.5SECTION 158.605
     158.605 Responses to allegations of noncompliance.
45:2.0.1.1.16.6.1.6SECTION 158.606
     158.606 Amount of penalty - general.
45:2.0.1.1.16.6.1.7SECTION 158.607
     158.607 Factors HHS uses to determine the amount of penalty.
45:2.0.1.1.16.6.1.8SECTION 158.608
     158.608 Determining the amount of the penalty - mitigating circumstances.
45:2.0.1.1.16.6.1.9SECTION 158.609
     158.609 Determining the amount of penalty - aggravating circumstances.
45:2.0.1.1.16.6.1.10SECTION 158.610
     158.610 Determining the amount of penalty - other matters as justice may require.
45:2.0.1.1.16.6.1.11SECTION 158.611
     158.611 Settlement authority.
45:2.0.1.1.16.6.1.12SECTION 158.612
     158.612 Limitations on penalties.
45:2.0.1.1.16.6.1.13SECTION 158.613
     158.613 Notice of proposed penalty.
45:2.0.1.1.16.6.1.14SECTION 158.614
     158.614 Appeal of proposed penalty.
45:2.0.1.1.16.6.1.15SECTION 158.615
     158.615 Failure to request a hearing.
45:2.0.1.1.17PART 159
PART 159 - HEALTH CARE REFORM INSURANCE WEB PORTAL
45:2.0.1.1.17.0.1.1SECTION 159.100
     159.100 Basis and scope.
45:2.0.1.1.17.0.1.2SECTION 159.110
     159.110 Definitions.
45:2.0.1.1.17.0.1.3SECTION 159.120
     159.120 Data submission for the individual and small group markets.