{"abstract":"This final rule addresses various requirements applicable to health insurance issuers, Affordable Insurance Exchanges (\"Exchanges\"), Navigators, non-Navigator assistance personnel, and other entities under the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 (collectively referred to as the Affordable Care Act). Specifically, the rule establishes standards related to product discontinuation and renewal, quality reporting, non-discrimination standards, minimum certification standards and responsibilities of qualified health plan (QHP) issuers, the Small Business Health Options Program, and enforcement remedies in Federally-facilitated Exchanges. It also finalizes: A modification of HHS's allocation of reinsurance collections if those collections do not meet our projections; certain changes to allowable administrative expenses in the risk corridors calculation; modifications to the way we calculate the annual limit on cost sharing so that we round this parameter down to the nearest $50 increment; an approach to index the required contribution used to determine eligibility for an exemption from the shared responsibility payment under section 5000A of the Internal Revenue Code; grounds for imposing civil money penalties on persons who provide false or fraudulent information to the Exchange and on persons who improperly use or disclose information; updated standards for the consumer assistance programs; standards related to the opt-out provisions for self-funded, non-Federal governmental plans and related to the individual market provisions under the Health Insurance Portability and Accountability Act of 1996 including excepted benefits; standards regarding how enrollees may request access to non- formulary drugs under exigent circumstances; amendments to Exchange appeals standards and coverage enrollment and termination standards; and time-limited adjustments to the standards relating to the medical loss ratio (MLR) program. The majority of the provisions in this rule are being finalized as proposed.","action":"Final rule.","agencies":[{"raw_name":"DEPARTMENT OF HEALTH AND HUMAN SERVICES","name":"Health and Human Services Department","id":221,"url":"https://www.federalregister.gov/agencies/health-and-human-services-department","json_url":"https://www.federalregister.gov/api/v1/agencies/221","parent_id":null,"slug":"health-and-human-services-department"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2014/05/27/2014-11657.html","cfr_references":[{"chapter":null,"citation_url":null,"part":144,"title":45},{"chapter":null,"citation_url":null,"part":146,"title":45},{"chapter":null,"citation_url":null,"part":147,"title":45},{"chapter":null,"citation_url":null,"part":148,"title":45},{"chapter":null,"citation_url":null,"part":153,"title":45},{"chapter":null,"citation_url":null,"part":154,"title":45},{"chapter":null,"citation_url":null,"part":155,"title":45},{"chapter":null,"citation_url":null,"part":156,"title":45},{"chapter":null,"citation_url":null,"part":158,"title":45}],"citation":"79 FR 30240","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective July 28, 2014 except for amendments to 45 CFR 155.705 which are effective May 27, 2014.","disposition_notes":null,"docket_ids":["CMS-9949-F"],"dockets":[],"document_number":"2014-11657","effective_on":"2014-07-28","end_page":30353,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2014/05/27/2014-11657.xml","html_url":"https://www.federalregister.gov/documents/2014/05/27/2014-11657/patient-protection-and-affordable-care-act-exchange-and-insurance-market-standards-for-2015-and","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2014-11657?publication_date=2014-05-27","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2014-05-27/2014-11657/mods.xml","not_received_for_publication":null,"page_length":114,"page_views":{"count":27876,"last_updated":"2026-04-04 06:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-05-27/pdf/2014-11657.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-11657.pdf?1400273829","publication_date":"2014-05-27","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2014/05/27/2014-11657.txt","regulation_id_number_info":{"0938-AS02":{"issue":"201310","html_url":"https://www.federalregister.gov/regulations/0938-AS02/eligibility-enrollment-and-appeals-updates-cms-9949-p-","title":"Eligibility, Enrollment, and Appeals Updates (CMS-9949-P)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201310&RIN=0938-AS02&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["0938-AS02"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"HHS","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=HHS-OS-2022-0008","supporting_documents_count":0,"docket_id":"HHS-OS-2022-0008","document_id":"HHS-OS-2022-0008-0410","regulation_id_number":null,"title":"HHS 2022 Archive","checked_regulationsdotgov_at":"2022-05-28T03:30:05Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":30240,"subtype":null,"title":"Patient Protection and Affordable Care Act; Exchange and Insurance Market Standards for 2015 and Beyond","toc_doc":"Exchange and Insurance Market Standards for 2015 and Beyond","toc_subject":"Patient Protection and Affordable Care Act:","topics":["Administrative practice and procedure","Administrative practice and procedure","Advertising","Advisory committees","Brokers","Claims","Conflict of interests","Consumer protection","Grant programs-health","Grants administration","Health care","Health insurance","Health maintenance organizations (HMO)","Health records","Hospitals","Indians","Individuals with disabilities","Loan programs-health","Medicaid","Organization and functions (Government agencies)","Penalties","Public assistance programs","Reporting and recordkeeping requirements","Reporting and recordkeeping requirements","Reporting and recordkeeping requirements","State and local governments","Sunshine Act","Technical assistance","Women","Youth"],"type":"Rule","volume":79}