Me. Rev. Stat. » Title 24-A
Maine Revised Statutes

Me. Rev. Stat. tit. 24-A, § 2736 (2026)

Rate filings on individual health insurance policies

✓ current as of May 2026
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1.  Filing of rate information.  Every insurer shall file for approval by the superintendent every rate, rating formula, classification of risks and every modification of any formula or classification that it proposes to use in connection with individual health insurance policies and certain group policies specified in section 2701. If the filing applies to individual health plans as defined in section 2736‑C, the insurer shall simultaneously file a copy with the Attorney General. Every such filing must state the effective date of the filing. Every such filing must be made not less than 60 days in advance of the stated effective date, unless the 60-day requirement is waived by the superintendent, and the effective date may be suspended by the superintendent for a period of time not to exceed 30 days. A filing required under this section must be made electronically in a format required by the superintendent unless exempted by rule adopted by the superintendent. Rules adopted pursuant to this subsection are routine technical rules as defined in Title 5, chapter 375, subchapter 2‑A.  
[PL 2009, c. 439, Pt. C, §1 (RPR).]
2.  Filing; information.  When a filing is not accompanied by the information upon which the insurer supports such filing, or the superintendent does not have sufficient information to determine whether such filing meets the requirements that rates not be excessive, inadequate or unfairly discriminatory, the superintendent shall require the insurer to furnish the information upon which it supports the filing. A filing and all supporting information, except for protected health information required to be kept confidential by state or federal statute and descriptions of the amount and terms or conditions or reimbursement in a contract between an insurer and a 3rd party, are public records notwithstanding Title 1, section 402, subsection 3, paragraph B and become part of the official record of any hearing held pursuant to section 2736‑A.  
[PL 2009, c. 439, Pt. C, §2 (AMD).]
3.  Criteria for special rate hearings. 
[PL 2009, c. 244, Pt. C, §5 (RP).]
4.  Special rate hearing. 
[PL 2009, c. 244, Pt. C, §6 (RP).]
SECTION HISTORY
PL 1969, c. 132, §1 (NEW). PL 1973, c. 585, §12 (AMD). PL 1977, c. 493, §3 (RPR). PL 1979, c. 558, §§6,7 (AMD). PL 1985, c. 648, §10 (AMD). PL 1997, c. 344, §8 (AMD). PL 2001, c. 432, §§5,6 (AMD). PL 2003, c. 428, §F2 (AMD). PL 2003, c. 469, §§E9,10 (AMD). PL 2007, c. 629, Pt. M, §§1, 2 (AMD). PL 2009, c. 14, §4 (AMD). PL 2009, c. 244, Pt. C, §§5, 6 (AMD). PL 2009, c. 244, Pt. G, §1 (AMD). PL 2009, c. 439, Pt. C, §§1, 2 (AMD).
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Notes of Decisions
Cited in 7 cases, 1994–2014 · leading case: Anthem Health Plans of Maine, Inc. v. Superintendent of Ins., 40 A.3d 380 (Me. 2012).
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Anthem Health Plans of Maine, Inc. v. Superintendent of Ins., 40 A.3d 380 (Me. 2012). · cites it 23× “Anthem contends that the Superintendent’s decision violates 24-A M.R.S. § 2736 (2011) and the United States and Maine Constitutions because the approved rate increase eliminates Anthem’s opportunity to earn a reasonable profit on its line of individual health insurance products…”
Anthem Health Plans of Maine, Inc. v. Superintendent of Ins., 2011 ME 48 (Me. 2011). · cites it 6× “Accordingly, Anthem maintains that the Superintendent's decision violates 24-A M.R.S. § 2736 (2010) [1] and the United States and Maine Constitutions.”
Maine Educ. Ass'n Benefits Trust v. Cioppa, 695 F.3d 145 (1st Cir. 2012). “Although insurers may request that any such data submitted in large-group rate filings be treated as confidential, any loss information included in annual reports or medical loss ratio reports is subject to full public disclosure.”
Am. Repub. Ins. v. Superintendent of Ins., 647 A.2d 1195 (Me. 1994). “See 24-A M.R.S.A. §§ 2736 to 2736-B (1990). Cf.”
Anthem Health Plans of Maine, Inc. v. Superintendent of Ins. (Me. Super. Ct 2011). · cites it 11× “§§ 5951-63 (2010), that 24-A M.R.S. § 2736 (2010) requires that regulated insurance rates must be designed to include a fair and reasonable rate of return.”
Anthem Health Pland of Maine, Inc. v. Superintendent of Ins. (Me. Super. Ct 2011). · cites it 6× “In Counts I through III of the petition, Anthem asserts that the Superintendent's interpretation of24-A M.R.S. § 2736 (2010) violates the law's provisions and constitutes an unconstitutional, confiscatory taking without just compensation.”
Cent. Maine Healthcare Corp. v. Maine Bureau of Ins. (Me. Super. Ct 2014). · cites it 3× “See 24-A M.R.S. § 2736(2). R. 25. Anthem maintains that these documents are confidential pursuant to statute, as trade secrets, and as confidential commercial information.”
Me. Rev. Stat. tit. 24-A, § 2736(1): 3 cases
Anthem Health Plans of Maine, Inc. v. Superintendent of Ins., 2011 ME 48 (Me. 2011). “Accordingly, Anthem maintains that the Superintendent's decision violates 24-A M.R.S. § 2736 (2010) [1] and the United States and Maine Constitutions.”
Anthem Health Plans of Maine, Inc. v. Superintendent of Ins. (Me. Super. Ct 2011). “§§ 5951-63 (2010), that 24-A M.R.S. § 2736 (2010) requires that regulated insurance rates must be designed to include a fair and reasonable rate of return.”
Anthem Health Pland of Maine, Inc. v. Superintendent of Ins. (Me. Super. Ct 2011). “In Counts I through III of the petition, Anthem asserts that the Superintendent's interpretation of24-A M.R.S. § 2736 (2010) violates the law's provisions and constitutes an unconstitutional, confiscatory taking without just compensation.”
Me. Rev. Stat. tit. 24-A, § 2736(2): 5 cases
Anthem Health Plans of Maine, Inc. v. Superintendent of Ins., 40 A.3d 380 (Me. 2012). “Anthem contends that the Superintendent’s decision violates 24-A M.R.S. § 2736 (2011) and the United States and Maine Constitutions because the approved rate increase eliminates Anthem’s opportunity to earn a reasonable profit on its line of individual health insurance products…”
Anthem Health Plans of Maine, Inc. v. Superintendent of Ins., 2011 ME 48 (Me. 2011). “Accordingly, Anthem maintains that the Superintendent's decision violates 24-A M.R.S. § 2736 (2010) [1] and the United States and Maine Constitutions.”
Cent. Maine Healthcare Corp. v. Maine Bureau of Ins. (Me. Super. Ct 2014). “See 24-A M.R.S. § 2736(2). R. 25. Anthem maintains that these documents are confidential pursuant to statute, as trade secrets, and as confidential commercial information.”
Anthem Health Plans of Maine, Inc. v. Superintendent of Ins. (Me. Super. Ct 2011). “§§ 5951-63 (2010), that 24-A M.R.S. § 2736 (2010) requires that regulated insurance rates must be designed to include a fair and reasonable rate of return.”
Anthem Health Pland of Maine, Inc. v. Superintendent of Ins. (Me. Super. Ct 2011). “In Counts I through III of the petition, Anthem asserts that the Superintendent's interpretation of24-A M.R.S. § 2736 (2010) violates the law's provisions and constitutes an unconstitutional, confiscatory taking without just compensation.”
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