(a) A health insurer, not including a specialized health insurance policy, shall annually report to the department the information described in subdivision (c) for all grandfathered and nongrandfathered products that the insurer offers and sells in the individual market, including both on-exchange and off-exchange enrollment, for rates effective during the 12-month period ending January 1 of the following year. (b) A health insurer, not including a specialized health insurance policy, shall annually report to the department the information described in subdivision (c) for all grandfathered and nongrandfathered products that the insurer offers and sells in the small group market, including both on-exchange and off-exchange enrollment, for products with rates effective during that 12-month period ending January 1 of the following year. (c) (1) Information on premiums, including share of premium, if applicable, average premium weighted by enrollment, and weighted average rate change. (2) Cost sharing, including deductibles, maximum out-of-pocket limit, copayments, coinsurance and any other cost sharing for covered benefits as well as high deductible health policies. (3) (A) For nongrandfathered policies, essential health benefits and basic health care services. (B) For grandfathered policies, covered benefits, including mandates, if any. (4) Standard and nonstandard benefit designs, including on-exchange and off-exchange nonstandard benefit designs. (5) Enrollment by actuarial value tier, product, benefit design and premiums, including both of the following: (A) Enrollment in products with zero deductibles, high deductibles as defined in this section, and deductibles between zero and high. (B) (i) Enrollment by premium. (ii) For small group products, enrollment by share of premium. (6) Trend factors as reported in individual and small group rate filings for the health insurer, including both price and utilization, as required in Section 10181.3. (d) By October 1, 2021, and annually thereafter, a health insurer shall submit the annual report, as described under subdivision (a), to the department in a form and manner determined by the department. (e) Beginning in 2022, the department shall annually present the information reported under this section in the meeting specified in Section 10181.45 or at any other public meeting the department deems appropriate. The department also shall post the information reported under this section on its internet website no later than December 15 of each year. (f) For purposes of this section, the following definitions apply: (1) âAverage premium weighted by enrollmentâ means both of the following: (A) For the individual market, the average premium shall be weighted by the number of individual insureds in the insurerâs individual market during the 12-month period. (B) For the small group market, the average premium shall be weighted by the number of insureds in each small group benefit design in the insurerâs small group market during the 12-month period. (2) âBenefit designâ means the cost sharing for covered benefits. (3) âHigh deductibleâ has the same meaning as defined in Section 223(c)(2)(A) of Title 26 of the United States Code. (4) âNonstandard benefit designâ means a benefit design other than the standard benefit design. (5) âShare of premiumâ means the share of premium paid by the insured on behalf of the insured and any dependents, not the employer. (6) âStandard benefit designâ means the standardized products approved by the executive board of the California Health Benefit Exchange pursuant to subdivision (c) of Section 100504 of the Government Code. (g) Until January 1, 2023, a health insurer shall not be required to report either of the following information: (1) Share of premium paid by insured. (2) Enrollment by benefit design, deductible, or share of premium. (h) The commissioner may issue guidance to health insurers regarding compliance with this section
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