Important plan information <Date> «GR_NUM» «GR_NAME1» «GR_NAME2» «GR_CONTACT_NAME» «GR_ADDRESS1» «GR_ADDRESS2» «GR_CITY», «GR_STATE» «GR_ZIPCODE» Re: Notice of Proposed Premium Rate Change <<Plan_Name>> Health Insurance Oversight System (HIOS) Plan ID number <<HIOS ID>> Dear <Gr_Contact_Name>, Health Insurance Plan of Greater New York (HIP), an EmblemHealth company, is filing a request with the New York State Department of Financial Services (DFS) to approve a change to your premium rates for 2021. New York Insurance Law requires that we provide a notice to you when we submit requests for premium rate changes to DFS. DFS is required by law to review our requested rate change. DFS may approve, modify, or disapprove the requested rate change. Proposed premium rate changes If approved, the percentage change to your premium is listed in the chart below.

Your Renewal Date: Requested Increase Applied to Your 2020 Rate: January to March 2021 <Qtr1Rate> April to June 2021 <Qtr2Rate> July to September 2021 <Qtr3Rate> October to December 2021 <Qtr4Rate>

Please note that while we try to provide you with the most accurate information possible, the final approved rate may differ based on the benefit plan design and other features you select on renewal. Also, the final rate may differ because DFS may modify the proposed rate.

(Continued)

Why we are requesting a rate change The requested increase is due to the rising cost of providing care to our members. This includes increases in the rates that we pay our providers, the higher costs of new treatments and pharmacy drugs, and an increase in the medical services required by many of our members. DFS’s view of these matters may differ. You can find more information on why we are requesting a rate change at emblemhealth.com/2021_rates. 30-day comment period You can contact us or DFS to ask for more information or submit comments to DFS about the proposed rate change. The comments must be made within 30 days from the date of this notice. You can contact EmblemHealth for additional information at:

EmblemHealth Attn: Customer Service 55 Water Street New York, NY 10041

Phone: 800-447-8255 (TTY:711) Website: emblemhealth.com/2021_rates

Comments or requests for more information on the proposed rate change may be submitted to DFS by visiting the DFS website or standard mail as follows:

NYS Department of Financial Services Health Bureau – Premium Rate Adjustments One Commerce Plaza Albany, NY 12257

DFS website:

dfs.ny.gov/consumers/health_insurance/health_insurance_premiums If you choose to submit comments to DFS, please include the following information:

1. The name of your insurer. 2. The name of your plan. 3. Whether you have individual or group coverage. 4. Your HIOS Plan ID number, which is <<HIOS ID>>.

Written comments submitted to DFS will be posted on the DFS website without your personal information. Plain English summary of rate change We have prepared a plain English summary that provides a more detailed explanation of the reasons why a premium rate change is being requested. You can find this information at the following websites: EmblemHealth website: emblemhealth.com/2021_rates DFS website: dfs.ny.gov/consumers/health_insurance/health_insurance_premiums

(Continued)

Notice of approved premium rate After DFS approves the final premium rate, which may differ from the requested rate increase noted above, you will receive final rate information at least 60 days before your 2021 renewal date.

Sincerely,

John J. (Jay) Sheehy III Senior Vice President, Product Innovation

5/29/2020

«SmallGroupEmployerName» «ContactFirstName»«ContactLastName» «AddressLine1» «AddressLine2» «CITY», «STATE» «ZipCode»

Re: Notice of Proposed Premium Rate Change Healthfirst [Metal] Pro and [Metal] Pro Plus EPO - HIOS ID [XXXXXXXXXXXXXX]

Dear Healthfirst Group Policy Holder:

Healthfirst Insurance Company, Inc. (Healthfirst) is filing a request with the New York State Department of Financial Services (DFS) to approve a change to your premium rates for 2021. New York Insurance Law requires that we provide a notice to you when we submit requests for premium rate changes to DFS.

DFS is required by law to review our requested rate change. DFS may approve, modify or disapprove the requested rate change.

Proposed Premium Rate Changes

If approved, the percentage change to your premium is 5.5%.

Please note that while we try to provide you with the most accurate information possible, the final approved rate may differ based on the benefit plan design and other features you select on renewal. Also, the final approved rate may differ because DFS may modify the proposed rate.

Why We Are Requesting a Rate Change Healthfirst is applying for a rate adjustment to account for marketplace trends and to reflect actual and anticipated claims costs. While several market forces continue to drive health care costs higher more generally, Healthfirst continues to strengthen the effectiveness of its care management and quality improvement programs and robust network.

DFS’s view of these matters may differ.

30-day Comment Period

You can contact us or DFS to ask for more information or submit comments to DFS about the proposed rate changes. The comments must be made within 30 days from the date of this notice.

You can contact Healthfirst for additional information at:

Healthfirst Insurance Company, Inc. 100 Church Street New York, NY 10007 1-855-789-3668www.healthfirst.org

Comments or requests for more information on the proposed rate change may be submitted to DFS by visiting the DFS Website or via standard mail as follows:

DFS Website: https://www.dfs.ny.gov/consumers/health_insurance/health_insurance_premiums

United States Postal Service:

NYS Department of Financial Services Health Bureau – Premium Rate Adjustments One Commerce Plaza Albany, NY, 12257

If you choose to submit comments to DFS, please include the following information: 1. The name of your insurer, which is Healthfirst Insurance Company, Inc.2. The name of your plan, which is Healthfirst [Metal] Pro and [Metal] Pro Plus EPO3. Indicate you have group coverage4. Your HIOS identification number, which is [XXXXXXXXXXXXXX]

Written comments submitted to DFS will be posted on the DFS website without your personal information.

Plain English Summary of Rate Change

We have prepared a plain-English summary that provides a more detailed explanation of the reasons why a premium rate change is being requested. You can find this information at the following websites:

Healthfirst website: www.healthfirst.org/priorapproval DFS website: https://www.dfs.ny.gov/consumers/health_insurance/health_insurance_premiums

Notice of Approved Premium Rate

After DFS approves the final premium rate, which may differ from the requested rate noted above, you will receive final rate information at least 60 days before your 2021 renewal date.

Sincerely,

Joseph S. Chalastra Senior Vice President, Operations

Coverage is provided by Healthfirst Health Plan, Inc., Healthfirst PHSP, Inc., and/or Healthfirst Insurance Company, Inc. (together, “Healthfirst”). Plans contain exclusions and limitations.

Healthfirst complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-866-305-0408 (TTY 1-888-867-4132).

注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電 1-866-305-0408 (TTY 1-888-542-3821)。

© 2020 HF Management Services, LLC

Oscar Insurance Corporation

P.O. Box 52146

Phoenix AZ, 85072–2146

1-855-672-2755

May 28, 2020

We’re raising our monthly premiums next year.Here’s what’s happening and what it means for you.What’s happening?Oscar is raising its monthly premiums starting January 1, 2021. While we’re working hard tokeep costs down for members, we adjust our pricing every year in light of changing costs and the care our members need. There’s nothing you need to do right now. We just wanted to make sure you heard it from us first.

Why are premiums going up?We never base premiums on your age, gender, or health. There are two main reasons for higher premiums: prices for drugs and health care services are on the rise, and members are projected to use more care.

When our costs go up, we unfortunately have to raise premiums, as do all other carriers. We expect to pay at least $0.85 of every $1 we collect in premiums towards our members’ medical care, and sometimes we pay even more than that. We use whatever is left to cover the cost of running our business.

What are we doing about it?Part of Oscar’s core mission is to slow the trend of rising healthcare costs over time. We’ll dothat by continuing to align incentives with our provider partners so they are more mindful ofyour wallet. We’re also continuing to improve on and develop new tools that help you get the besttreatment, right when you need it, at an affordable price.

What’s next?You’ll find your proposed rate change (emphasis on the proposed!) in the attached document. We’ll be in touch again in the fall once our rates are finalized by NY State regulators.

Most importantly, we want you to know our world class team is working with the smartest investors and top healthcare partners to deliver on our mission to create a better healthcare experience. We hope you will continue to choose Oscar for your health insurance.

Questions? Get in touch.1-855-672-2755

Address printed here

Notice of Proposed Rate ChangeOscar Bronze – {Business ID #}Dear {Business Name},

Oscar is filing a request with the New York State Department of Financial Services (DFS) to approve a change to your group premium rates for 2021. New York Insurance Law requires that we provide a notice to you when we submit requests for premium rate changes to DFS.

DFS is required by law to review our requested rate change. DFS may approve, modify or disapprove the requested rate change.

Proposed Premium Rate Changes

If approved, the percentage change to your group’s premium is <insert rate>

Please note that while we try to provide you with the most accurate information possible, the final approved rate may differ based on the benefit plan design and other features that your group policyholder selects on renewal. Also, the final approved rate may differ because DFS may modify the proposed rate.

Why We Are Requesting a Rate Change

The requested increase is due to our view as to two main reasons for higher premiums: prices for drugs and health care services are on the rise, and members are projected to use more care. We neverbase premiums on your age, gender, or health. DFS’s view of these matters may differ.

That being the case, part of Oscar’s core mission is to slow the trend of rising healthcare costs over time. We’ll do that by continuing to align incentives with our provider partners so they are more mindful of your wallet. We’re also continuing to improve on and develop new tools that help you get the best treatment, right when you need it, at an affordable price. We want you to be more informed consumers of healthcare.

30-day Comment Period

You can contact us or DFS to ask for more information or submit comments to DFS about the proposed rate changes. The comments must be made within 30 days from the date of this notice.

You can contact Oscar for additional information at:

Oscar Insurance CorporationP.O. Box 52146Phoenix, AZ 85072-21461-855-672-2755www.hioscar.com

Comments or requests for more information on the proposed rate change may be submitted to DFS byvisiting the DFS Website or via standard mail as follows:

DFS Website: https://www.dfs.ny.gov/consumers/health_insurance/health_insurance_premiums

United States Postal Service:NYS Department of Financial ServicesHealth Bureau – Premium Rate AdjustmentsOne Commerce PlazaAlbany, NY 12257

If you choose to submit comments to DFS, please include the following information:1. The name of your insurer2. The name of your plan3. Whether you have individual or group coverage4. Your HIOS Plan ID number, which is 12345NY0012345-00

Written comments submitted to DFS will be posted on the DFS website without your personal information.

Plain English Summary of Rate Change

We have prepared a plain-English summary that provides a more detailed explanation of the reasons why a premium rate change is being requested. You can find this information at the following websites:

Oscar website: www.hioscar.com DFS website:

https://www.dfs.ny.gov/consumers/health_insurance/health_insurance_premiums

Notice of Approved Premium Rate

After DFS approves the final premium rate, which may differ from the requested rates noted above, youwill receive final rate information at least 60 days before your 2021 renewal date.

If you have questions: Call Oscar at 1-855-672-2755 (Mon-Fri 8am-8pm, Sat-Sun 9am-5pm (EST)) or visit our website

at hioscar.com.

Getting help in other languages:Para obtener asistencia en español, llame al 1-855-672-2755.

Sincerely,

Sid SankaranChief Financial OfficerOscar Insurance Corporation

UnitedHealthcare 4 Research Drive Shelton, CT 06484

<Date> <BA First Name> <BA Last Name> <Group Name> <Group Address 1> <Group Address 2> <City>, <State> <ZIP Code> Re: Notice of Proposed Premium Rate Change <Group #>, <CSP/Plan ID>, <Product>, <ID> Dear <BA First Name> <BA Last Name>: Oxford Health Insurance, Inc. (OHI) is filing a request with the New York State Department of Financial Services (DFS) to approve a change to your group premium rates for 2021. New York Insurance Law requires that we provide a notice to you when we submit requests for premium rate changes to DFS. DFS is required by law to review our requested rate change. DFS may approve, modify or disapprove the requested rate change. Proposed Premium Rate Changes If approved, the percentage change to your group’s premium is <Increase>%. Please note that the final approved rate may differ because DFS may modify the proposed rate. In addition, while we try to provide you with the most accurate information possible, the final approved rate may differ based on the benefit plan design and other features that your group policyholder selects on renewal. Why We Are Requesting a Rate Change The requested increase is due to our view of projected claims. Rising medical expenses are the main reason for the requested increase. A number of factors contribute to these rising costs, including increases in the cost of medical services and increases in the amount of services used. A part of the medical costs includes a pooling technique established under the Affordable Care Act (ACA) called Federal Risk Adjustment. The 2021 risk adjustment amount will be 14% lower due to a Centers for Medicare & Medicaid Services (CMS) modification. This reduction increases our requested rates by 0.3% We have prepared a narrative summary that provides a more detailed explanation of the reasons why we are seeking a premium rate adjustment. This summary will be posted on our website and the DFS website. Our rate application will also be posted on the DFS website. 30-day Comment Period You can contact us or DFS to ask for more information or submit comments to DFS about the proposed rate changes. The comments must be made within 30 days from the date of this notice.

(over, please)

You can contact us for additional information at:

Oxford NY Prior Approval 4 Research Drive Shelton, CT 06484 1-888-201-4216 oxfordhealth.com

Comments or requests for more information on the proposed rate change may be submitted to DFS by visiting the DFS website or via standard mail as follows:

DFS website: dfs.ny.gov/consumers/health_insurance/health_insurance_premiums

United States Postal Service:

NYS Department of Financial Services Health Bureau – Premium Rate Adjustments One Commerce Plaza Albany, NY 12257

If you choose to submit comments to DFS, please include the following information:

1. The name of your insurer 2. The name of your plan 3. Whether you have individual or group coverage 4. Your HIOS Plan ID number, which is <HIOS ID>

Written comments submitted to DFS will be posted on the DFS website without your personal information. Plain-English Summary of Rate Change We have prepared a plain-English summary that provides a more detailed explanation of the reasons why a premium rate change is being requested. You can find this information at the following websites:

Oxford website: oxfordhealth.com . Go to the Employer Messages section. DFS website: dfs.ny.gov/consumers/health_insurance/health_insurance_premiums

Notice of Approved Premium Rate After DFS approves the final premium rate, which may differ from the requested rate noted above, you will receive final rate information at least 60 days before your 2021 renewal date. Sincerely,

Chuck Cerniglia Vice President Key Account Sales & Small Business Sales and Account Management

NYSG OHI Off-Exchange Group Letter