The Department of Health and Human Services announced in aletter it has granted a waiver to the MaineBureau of Insurance, which delays the implementation of the federalmedicalloss ratio requirement by three years.

With this waiver, Maine's 65 percent MLR standard for theindividual market will remain in effect through 2013.

According to the HHS letter, "After a careful examination of theapplication and consideration of the criteria set forth in thestatute and implementing regulation, we agree with the reasoningthat led to the MBI's conclusion that application of the 80 percentMLR standard in Maine has a reasonable likelihood of destabilizingthe Maine individual health insurance market."

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