(AP Photo/Jon Elswick)

A health insurer that wants to change its major medical product menu in 2015 will have to think hard about where the enrollees go next.

Jackie Garner, the new acting director at the Center for Consumer Information & Insurance Oversight (CCIIO), talks about the rules governing major medical product menu changes in a bulletin aimed at insurers. The bulletin applies to all major medical products, including the qualified health plans (QHPs) sold through the Patient Protection and Affordable Care Act (PPACA) exchange system, grandfathered plans, and PPACA-compliant plans sold outside the exchange system.

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