Insurance Carriers


Medical Loss Ratio (MLR) Memo and Training for Issuers

The following was issued from the Center for Consumer Information and Insurance Oversight (a division of HHS) on April 1, 2014 regarding MLR reporting.



Please note that insurance carriers are responsible for ensuring they use the most up-to-date information as the Consumer Assistance Program cannot be responsible for regularly updating this information.

Request for Comment-strategies for limiting adverse selection

Click on the link below for a pdf of the HIOS portal user manual.

HIOS- portal_user_manual_032013

Also see the rate review filing instructions

Administrative Notices/Bulletins

See below for a record of the administrative notices issued by the CNMI insurance commissioner.


Administrative Bulletin 2014-01 MLR Annual Reporting for 2013 and Training I

Administrative Notice 2014-03 Extended Transition to Affordable Care Act-Compliant Policies


Administrative Notice 2013-03 (Implementation)

Administrative Notice 2013-04 (early renewal)

Administrative Notice 2013-05(transitional policy)

Administrative Notice 2013-06 Grandfathered plans

Adminstrative Notice 2013-07 Rate and Form Filing

FAQs for Insurance Carriers

Transitional Policy FAQs


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