FINAL RULES AND REGULATIONS 
 
Title 22. Insurance 
Chapter 65.  Health Insurance Plans 
Virgin Islands Rules and Regulations 
 
 
Virgin Islands Division of Banking and Insurance 
Rules for requirements for health insurance issuers regarding disclosure and review of 
unreasonable premium increases under section 2794 of the Public Health Service Act. The final 
rule establishes a rate review program to ensure that all rate increases that meet or exceed a 
specified threshold are reviewed by the Territory or CMS to determine whether they are 
unreasonable and that certain rate information be made public. 
 
 
 
 
__________________________________ 
John P. de Jongh, Jr. 
Governor  
_________________________ 
Lt. Governor Gregory R. Francis 
Commissioner of Insurance 
 
 
 
 
AUTHORITY 
These Rules and Regulations are promulgated and implemented pursuant to Title 3 V.I.C.  
Section 940, and Title 22 V.I.C. Section 1723. 
 
1001. 
The following Final Federal Rules for requirements for health insurance issuers regarding 
disclosure and review of unreasonable premium increases under section 2794 of the Public 
Health Service Act are hereby adopted through incorporation by reference as follows: 
45 CFR Part 154 Rate Increase Disclosures and Review  
 
Title 22 Virgin Islands Code, Section 1723, authorizes the Commissioner of Insurance of the 
Virgin Islands to issue rules and regulations to implement these sections of the Federal Register. 
Pursuant to provisions of the Federal Register, the Federal Rules and Regulations become 
effective 60 days after publication.    Comments may be submitted on the Federal Rules and 
Regulations until 60 days after publication. Copies of the Federal Register are available for 
review and the address for forwarding comments is  
 
Centers for Medicare & Medicaid Services, 
Department of Health and Human Services, 
Attention: CMS-9999-FC, 
P.O. Box 8010, 
Baltimore, MD 21244-8010. 
 
They are also available online at http://www.ofr.gov/OFRUpload/OFRData/2011-12631_PI.pdf.  
Public comments from residents of the United States Virgin Islands are due on or before August 
1, 2011. These comments must be submitted to the Office of the Lieutenant Governor, Division 
of Banking and Insurance at the St. Thomas or St. Croix office or emailed to 
dwayne.henry@lgo-vi.gov.