Market Rating Reforms - Centers for Medicare & Medicaid Services

State Specific Rating Variations

The Market Rules and Rate Review Final Rule (45 CFR Part 147) provides that each state will have age rating ratios of 3:1 using a federally established age curve, tobacco rating ratios of no more than 1.5:1 and per member rating unless a state requests ratios less than the standard, is a community rating state with uniform family tiers, or allows for averaging of enrollee premiums in the small group market.

The table below includes only states that have implemented standards other than the federal defaults.  If a cell is blank or a state is not listed, the federal default applies. Please scroll down for more specific information on:

Updated June 4, 2013


  Individual Market Small Group Market
State Age Rating Ratio State-Established Age Curve Tobacco Rating Ratio Uniform Family Tiers Age Rating Ratio State-Established Age Curve Tobacco Rating Ratio Uniform Family Tiers Average Enrollee Premiums
Arkansas     1.2:1       1.2:1    
California     1:1       1:1    
Colorado     1.15:1       1.15:1    
Connecticut     1.5:1       1:1    
Delaware                 Yes
District of Columbia   Yes 1:1     Yes 1:1    
Kentucky     1.4:1       1.4:1    
Massachusetts 2.1 Yes 1:1   2.1 Yes 1:1    
Minnesota   Yes       Yes      
New Jersey     1:1   1.824:1* Yes  1:1    
New York 1:1   1:1 Yes 1:1   1:1 Yes Yes
Oregon         3:1**   1.5:1**   Yes
Rhode Island     1:1       1:1   Yes
Utah   Yes       Yes      
Vermont 1:1   1:1 Yes 1:1   1:1 Yes  

* Overall 2:1 variation for small groups: NJSA 17B:27A-25.
**Overall 3:1 variation for small groups: ORS 743.737(11).