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RI Section 1332 State Innovation Waiver and Reinsurance Program

The State of Rhode Island has expressed its intent to renew this 1332 Waiver Application. RI’s Letter of Intent and the response from CMS can be found linked below:

Letter of Intent (LOI)

Response to LOI


Governor Raimondo included in her 2020 budget a state reinsurance program designed to maintain the stability of the individual market and to protect the coverage gains achieved through the Affordable Care Act. The reinsurance program would mitigate premium increases beginning in 2020. The General Assembly passed and the Governor enacted the budget on July 5, 2019.

On July 8, 2019 the State of Rhode Island submitted a Section 1332 State Innovation Waiver Application and supporting appendices to the Centers for Medicare and Medicaid Services (CMS), a division of the United States Department of Health and Human Services (HHS), and the Department of the Treasury. The application sought to waive certain requirements of the ACA with the goal of implementing a state reinsurance program in order to lower premiums in the individual market.

Proposed Rules and Regulations Pertaining to the Rhode Island Reinsurance Program

These rules and regulations govern the information carriers are required to submit to the Reinsurance Program, specify how reinsurance payment parameters are determined and reinsurance payments made, establish the duties of the administrator, and provide for document retention requirements and program oversight.

These rules can be found here: Rules and Regulations Pertaining to RI Reinsurance Program

Rhode Island Application for Section 1332 Waiver

Rhode Island’s submitted Section 1332 Waiver Application can be found here:

1332 Waiver Application

Public Comment Period 

The State of Rhode Island accepted public comments on Rhode Island’s 1332 Waiver Draft Application beginning April 26, 2019, through May 25, 2019.

Comments were accepted via electronic mail and by postal mail.

Public Hearings

In compliance with Federal regulations, the State of Rhode Island held two public hearings on Rhode Island’s proposed 1332 Waiver Application.

  • The first public hearing was held May 10, 2019 from 1:00pm – 3:00pm at the following location:

Department of Administration
Conference Room B, 1 Capitol Hill
Providence, RI 02908

  • The second public hearing was held May 20, 2019 from 9:00am – 11:00am at the following location:

Department of Labor and Training
Conference Room, 1511 Pontiac Ave.
Cranston, RI 02920

Reinsurance Waiver Annual Reports

2022 Draft Annual Report

2022 Revised Annual Report

HealthSource RI connects you with health and dental insurance from these companies:

Individuals & Families: 1-855-840-4774
Employers & Employees: 1-855-683-6757