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What about commercial health carriers, including Blue Cross Blue Shield of Michigan?
Commercial health insurance, including Blue Cross Blue Shield of Michigan (BCBSM), must file all individual and small group (employer group sizes up to 50) health insurance rates with DIFS. Rates must comply with both Michigan law and, in the individual and small group markets, the rating requirements of the Affordable Care Act (ACA). A company must show its premiums are reasonable in relation to the benefit provided for the specific product or plan. Additionally, companies must show that their expected losses relative to their proposed premiums exceed a statutorily determined percentage ("loss ratio"). Commercial large group (group size over 50 employees) health rates are not required to be filed with DIFS.