Who files and what needs to be filed?
You must file all rates and forms prior to use if you're a disability insurer, HCSC or HMO.
May 15, 2025, is the deadline for filing rates, forms, and provider networks with our office for individual market and small group market health plans and for stand-alone dental plans that offer the pediatric essential health benefit for plan year 2026.
Student health plans issued to higher education institutions are individual market health plans and have the same filing deadline of May 15, 2025, for the 2025-2026 school year.
SERFF binders are also due on May 15, 2025, for individual market and small group market health plans and for stand-alone dental plans that offer the pediatric essential health benefit. SERFF binders are not required for student health plans.
Filings received after May 15, 2025, will be rejected without review.
How do I file?
Use the documents below to assist you in your filing.
- Instructions - Rates - SERFF LHD Rate Filing General Instructions (DOCX 146.85KB)
- Instructions - Forms - SERFF HD Form Filing General Instructions (PDF 676.14KB)
- Instructions - Binder - SERFF HD General Binder Filing Instructions (DOCX 159.84KB)
- Binder speed to market tools for health and disability
- Form filing speed to market tools for health and disability
- 2024 NAIC Life, Accident & Health, Annuity and Credit Product Coding Matrix (PDF 382.79KB)
Certifications
Learn more about the certification speed to market tools.