May 6, 2014

National Association of Insurance Commissioners Seeks Obamacare Flexibility for Territories

February 4, 2014

Press Release- “Health Insurance Options in 2014”

English Language Version

Carolinian Language Version

Chamorro Language Version

November 28, 2013

Press Release- “New Option for transition into Obamacare” See full article here.

November 11, 2013

“Administration to propose healthcare incentives”. See full article here.

November 1, 2013

“Implementation of Obamacare: Perfect storm waiting to happen”. See full article here.

“NMI won’t join Affordable Care Act’s Exchange program”. See full article here

October 17, 2013 

Press Release- Rota trip Postponed. See full article here.

October 1, 2013

The CAP presents at Rotary Club Meeting. Click here for full article.

October 4, 2013

Press Release- Affordable Care Act Meetings Announced

The CNMI Consumer Assistance Program (CAP) will hold three town hall meetings on the Affordable Care Act (ACA) during the month of October throughout the CNMI. The goal of these meetings is to inform the public of the provisions of the healthcare reform, how the ACA applies to the CNMI, and the role of the CAP.

A town hall meeting is scheduled on Tinian for Wednesday, October 9, 2013. The meeting will be from 7:00-8:30pm at Natibu Park.

On Rota, a meeting will be held at the Rota Mayor’s Office on Thursday, October 17 from 6:00 to 7:30pm.

The American Memorial Park Theater is the venue for the Saipan meeting on Friday evening, October 25th from 6:00 to 7:30pm.

Questions and comments will be taken at each meeting after the informative presentation portion. All of these events are open to consumers, the general public and press.

Additionally, the CAP will hold meetings with government officials and employees during visits to Tinian and Rota as the CAP office is located on Saipan.

Created earlier this year with federal grant funds, the CNMI Consumer Assistance Program is charged with assisting health care consumers in the CNMI by informing consumers of their rights, assisting consumers to file complaints and appeals and advocating for the consumer in public policy matters. The Consumer Assistance Program’s mission is to educate, assist and protect the CNMI health care consumer.


Learn more about the Affordable Care Act in the CNMI at

Or email questions to advocacy officer, Kaitlyn Neises-Mocanu at

Press Release- Affordable Care Act Questions, Answered

August 19, 2013

CNMI – The Consumer Assistance Program, located in the Department of Commerce, announced the publication today of nearly 40 FAQs regarding the Affordable Care Act in the CNMI. These FAQs are available to the public on the CAP office’s temporary website,

Consumer Advocacy Officer, Kaitlyn Mocanu, anticipates this information will garner interest from the public and raise awareness of the Jan. 1st, 2014 effective date of many Affordable Care Act provisions. In addition to providing some answers, Mocanu hopes the FAQs will bring in many more questions from the public. “It is important for CNMI residents to know that many of the health insurance reform provisions of the Affordable Care Act [ACA] do apply to their health insurance. Transparency is a crucial element of the ACA and the public is encouraged to ask questions and ensure their federally-mandated rights are being upheld. Everyone should educate themselves on their new rights and protections under the ACA; the CAP office is here to facilitate that education.”

The intention of the Affordable Care Act is to make affordable health care available to all Americans and, thanks to the ACA amendments made to the Public Health Service Act, residents of U.S. territories are included.

“As more people become aware of the Affordable Care Act, it will become clear to them that the ACA is a blessing for the CNMI.” Says Secretary of Commerce, Sixto K. Igisomar. He points out that, “previous to this Act, there was virtually no regulation of the health insurance industry nor surveillance of industry practices. The ACA puts power into the hands of the health care consumer”.

Insurance regulation has traditionally been a responsibility of the state. While many states in the mainland have been closely regulating health insurance for many years, the CNMI has never put aside funding or personnel to undertake the comprehensive overhaul needed. Because of laws now already established by the federal government and funding made possible by the ACA, the CNMI has a chance to “catch up” to the states in reforming health care.

Honorable Governor Inos has this to say about the ACA, “I believe the Affordable Care Act gives the CNMI a chance to improve our health care industry and public health, especially when we know that more than 30% of CNMI residents do not have health insurance.” This figure is taken from the 2010 census cross-tabulations that were recently released. The governor goes on to say that, “Although we must adopt this federal law, we must keep in mind the unique circumstances of our commonwealth and make this law our own. We must remember to uphold the intent of the Affordable Care Act in addition to upholding the rules.”

Currently, ACA-related legislation is being reviewed for introduction to the House and the premium rate review process is scheduled to be ready for insurance premium rate submissions on Oct. 1st.


Learn more about the Affordable Care Act in the CNMI at

Or email questions to



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