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1332 Waiver

Understanding Ohio's State Innovation Waiver


Thank you for visiting the Ohio Department of Insurance’s webpage concerning the department’s application for a state innovation waiver. The state innovation waiver, or 1332 waiver, was created in the Affordable Care Act and allows states to apply to the federal government to waive certain federal requirements in a way that more specifically fits the local needs of Ohioans. 
This page is designed to provide information about the steps the department is undertaking to prepare a waiver application that could be submitted to the federal Centers for Medicare and Medicaid Services (CMS), which is the governing authority for such waivers.
In order to prepare a waiver application, the
​department started with an evaluation of the current market in Ohio to better understand where Ohioans get their insurance (through their employer, Medicare, Medicaid or through the individual market in Ohio).  In addition, the evaluation provided some insight into trends experienced in Ohio’s health insurance market in recent years.  
This information, (often referred to as a baseline), provides much needed data for exploring options Ohio could consider in its waiver application.  To review a summary of the baseline results compiled by actuarial firm Oliver Wyman, please click on the link below. 
As the department continues this process, public input will be important.  Please feel free to email the department with your feedback and suggestions. In addition to accepting feedback through the department’s website, public forums will also be conducted allowing stakeholders to weigh in on the waiver application.  You can also sign-up for updates from the department as the waiver process continues.  
The ​Current Health Insurance
Market in Ohio

In order to model potential waiver options, a baseline of the health insurance market today is necessary.  The department conducted a request for proposal process (RFP) to identify an entity to help analyze Ohio’s market.  Oliver Wyman was selected through a competitive process to carry out those efforts. 



Additional Resources 

The actual process of filing a waiver application as well as the information required in such a waiver request are established by the federal Centers for Medicare and Medicaid Services (CMS).  The guidance and regulations for that process are linked below. 
Earlier this year, Ohio Department of Insurance Director Jillian Froment sent a letter to CMS asking for more flexibility in submitting and receiving a 1332 waiver.  That letter as well as the CMS response are also provided below.

Receive Waiver News

Stay up-to-date on steps the department is undertaking to prepare a waiver application that could be submitted to the federal Centers for Medicare and Medicaid Services (CMS), receive periodic updates and send us your feedback and/or suggestions.
  • Sign up to receive periodic waiver news.
  • Send us an email with your feedback and/or suggestions.




The State of Ohio is an Equal Opportunity Employer

Ohio Department of Insurance
50 W. Town Street, Third Floor - Suite 300
Columbus, Ohio  43215
John Kasich, Governor | Jillian Froment, Director
General Info: 614-644-2658 | Consumer Hotline: 800-686-1526
Fraud Hotline: 800-686-1527 | OSHIIP Hotline: 800-686-1578