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Premium Rate Review of Private Health Insurers in Maryland and Opportunities for State Regulatory Coordination under Health Care Reform

January 20, 2011

The Health Services Cost Review Commission (HSCRC) entered into a memorandum of agreement with Hilltop to examine ways in which the Maryland Insurance Administration (MIA) and the HSCRC can coordinate activities to restrain the overall growth rate of health care expenditures in the review and approval of private insurers’ premium rate requests. Hilltop was specifically tasked with describing current MIA premium rate review processes including public input, examining practices from select other states, describing the HealthChoice rate review process and coordination with the HSCRC, and developing recommendations for more effective coordination of the HSCRC and MIA activities within the current regulatory framework and in the context of changes resulting from health reform legislation and decisions.

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