Product & Rate Filing Requirements

Short-Term, Limited Duration Insurance Guidance

Notices on Filing Requirements & Deregulated Forms

 The forms listed as deregulated in the notices below are exempted only from the department’s filing or prior approval requirements. Although such forms are not reviewed and approved by the department, they remain subject to, and must comply in all respects with, Pennsylvania’s insurance laws and regulations, and the department retains its ability to take enforcement actions and seek any available remedy for non-compliant forms.

• Accident and Health Forms, Department Notice 2018-10
• Life Insurance Forms, 31 Pa.B. 3491
  

• Property and Casualty Forms, Notice 44 Pa.B. 6176 
  

2025 ACA Information

• Rate Guidance
• PA Actuarial Memorandum Rate Exhibits​
  
• PA Plan Design Summary and Rate Tables
  
• Pennsylvania Counties Map
• Health Insurance Rate Filing Completeness and Redaction Justification Checklist
  
• Compliance Certification Form
• Compliance Checklist - Major Medical
  
• Compliance Checklist - SADP
  
• Compliance Worksheet 
• Form Filing Guidance
  
• Geographic Rating Area (Map)
  
• QTL Template Instructions
• QTL Template
  
• NQTL Template
  
• Network Adequacy Template
  
• Network Identification Filing Form
  
• Annual Supplemental Template - PAST
  
• QHP Frequently Asked Questions 
  

2024-2025 ACA-Compliant Health Insurance Filing Guidance - Student Health Insurance (due by 01/15/2024)

• Student Health Q&A's (updated 01/01/2020)
  
• Final Rate Guidance​
  
• Completeness Checklist
  
• RRJ Instructions Manual
  
• RRJ Worksheet
  
• Final Form Guidance
  
• Certification Form
  
• Compliance Checklist
  
• Compliance Worksheet
  

Large Group Major Medical Health Insurance Filing Guidance

• ACA Major Medical Checklist (updated January 2024)
  
• Large Group Major Medical Form Filing Guidance​ (updated January 2024)
  
• Revised Certification Form (updated 1/7/2020) 
  

 Submission Checklists & Product Requirements

• Property and Casualty 
• Accident and Health
• Life and Annuities
• Multi-Line Product Submissions FAQ (new 9/16/20)
  
  

Product Filing Instructions

• Electronic
  
• Retaliatory Fee Form  (P&C Only)
• Terrorism 
• Life Products:  
• 2017 CSO Mortality Table - Notice
  
• Pre-Need Policy Disclosures
• Guidelines for Submission of Illustration Certifications (updated 8/31/15)
• MIB Language Change Filings (4/12/12)
• Maximum Valuation/Nonforfeiture Interest Rate Changes (8/22/12)
• Contingent Deferred Annuities (CDAs) - Form Filings (3/25/13)
•   Life and/or A&H Products:
• Guidelines for Submission of Address Change Endorsement Filings (4/30/18)
• Guidelines for Submission of Merger, Name Change, or Assumption Endorsement Filings (4/30/18)
• Certification Form for Electronic Applications/Enrollment Forms when Previously Approved on Paper (new 1/7/2020)
• Annual Attestations under Acts 89 and 92; Notice 2021-05
  
• Mental Health Parity Guidance
  

NOTE:  All Life and A&H rate/form filings must be submitted via SERFF; paper filings are no longer accepted.  In addition, all filing fees for Life and A&H rate/form filings must be submitted via SERFF using EFT.