Four years ago in an article posted here, I wrote the following:

I don’t know yet what will happen in the association plan market or how the battle over sick kids will play out. I can only wait for HHS and the Insurance Commissioner to provide direction. While I wait and reflect on Samuel Beckett’s more famous play, Waiting for Godot, I consider my belt and its length and strength. [10/18/2010]

Since then many trade association plans closed their doors and turned away employers who had been insured through group health plans offered through the association. In the drip, drip, drip of regulatory change, inaction, misdirection, and abrupt changes in course, we continue to wait in line at the Insurance Commissioner’s Office. Following a new strategy of regulatory torpor may resolve the regulatory backlog as licensees die of acute boredom and ennui.

Clients continue to ask “are we there yet” to which I am left to reply, “don’t make me come back there!”

And to those who niggle over regulatory matters like transparency, certainty, and equal application of law, please give it a rest. Take your ticket and wait in line for your particular unique, off the record ruling like everyone else.

Here is an example of what I look at every day “Waiting for Godot” while perfectly nice people lose business and insurance producers snipe at each other. The following is just one of many pages listing the filing of association health plans with the Insurance Commissioner’s Office showing the date the insurer filed the plan and its current approval status. It must be hard to come down on both sides of an issue.

Please also note for those who keep asking, unlike most other plan filings, no the information is not available for public inspection. I am sure it will be some day.

The following can be found on the agency’s rate and form filing website here:

Download Filing Details
Imaged documents not available online.
OIC Tracker ID: 267191
Company Tracker ID: AGRIRATESPUBLIC2014
SERFF Tracker ID: PBCC-129414787
Type: Rate/Rule
Has Manual: No
Public: Yes
Received Date: 2/12/2014
Effective Date:
Status: Review Pending
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Agriculture Industry Trust – Public
Imaged documents not available online.
OIC Tracker ID: 267192
Company Tracker ID: BSIHT2014EA
SERFF Tracker ID: PBCC-129412281
Type: Form
Has Manual: No
Public: Yes
Received Date: 2/12/2014
Effective Date:
Status: Review Pending
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Business Services Industry Health Trust
Form # Form Description
1000000780114B1 Your Future – HSA $1,500
1000000780114B2 Your Future – HSA $2,500
1000000780114B3 Your Future – HSA $3,500
1000000780114B4 Your Choice – Sterling 250
1000000780114B5 Your Choice – Sterling 500
15 of 18 Forms   1234Show All
Imaged documents not available online.
OIC Tracker ID: 267193
Company Tracker ID: BUSSSVCRATESPUBLIC2014
SERFF Tracker ID: PBCC-129414821
Type: Rate/Rule
Has Manual: No
Public: Yes
Received Date: 2/12/2014
Effective Date:
Status: Response Received
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Business Services Industry Trust – Public
Imaged documents not available online.
OIC Tracker ID: 267229
Company Tracker ID: AGRI2014EA
SERFF Tracker ID: PBCC-129412354
Type: Form
Has Manual: No
Public: Yes
Received Date: 2/12/2014
Effective Date:
Status: Review Pending
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Agriculture Industry Health Trust
Form # Form Description
1000000770114B1 Your Future – HSA $1,500
1000000770114B2 Your Future – HSA $2,500
1000000770114B3 Your Future – HSA $3,500
1000000770114B4 Your Choice – Sterling 250
1000000770114B5 Your Choice – Sterling 500
15 of 18 Forms   1234Show All
Imaged documents not available online.
OIC Tracker ID: 267289
Company Tracker ID: TRANR2014
SERFF Tracker ID: PBCC-129412796
Type: Rate/Rule
Has Manual: No
Public: No
Received Date: 2/12/2014
Effective Date:
Status: Response Received
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Transportation Industry Health Trust – Proprietary
Imaged documents not available online.
OIC Tracker ID: 267292
Company Tracker ID: ENDLR2014
SERFF Tracker ID: PBCC-129412732
Type: Rate/Rule
Has Manual: No
Public: No
Received Date: 2/12/2014
Effective Date:
Status: Response Received
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – End-Line Manufacturing Industry Health Trust – Proprietary
Imaged documents not available online.
OIC Tracker ID: 267293
Company Tracker ID: HEAR2014
SERFF Tracker ID: PBCC-129412746
Type: Rate/Rule
Has Manual: No
Public: No
Received Date: 2/12/2014
Effective Date:
Status: Response Received
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Healthcare Industry Health Trust – Proprietary
Imaged documents not available online.
OIC Tracker ID: 267294
Company Tracker ID: HEALTHCARERATESPUBLIC2014
SERFF Tracker ID: PBCC-129414769
Type: Rate/Rule
Has Manual: No
Public: Yes
Received Date: 2/12/2014
Effective Date:
Status: Response Received
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Healthcare Industry Trust – Public
Imaged documents not available online.
OIC Tracker ID: 267295
Company Tracker ID: MEDIARATESPUBLIC2014
SERFF Tracker ID: PBCC-129414762
Type: Rate/Rule
Has Manual: No
Public: Yes
Received Date: 2/12/2014
Effective Date:
Status: Response Received
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Media Industry Trust – Public
Imaged documents not available online.
OIC Tracker ID: 267296
Company Tracker ID: CONSTRUCTIONRATESPUBLIC2014
SERFF Tracker ID: PBCC-129414770
Type: Rate/Rule
Has Manual: No
Public: Yes
Received Date: 2/12/2014
Effective Date:
Status: Response Received
Types Of Insurance: H16G Group Health – Major Medical
Companies: PREMERA BLUE CROSS
Description: Association or member-governed true employer group under 29 U.S.C. Section 1002(5) of ERISA – Construction Industry Trust – Public

 

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