Teresa Miller is a partner in the firm's Health Care Group. Her practice focuses primarily on matters related to the implementation and enforcement of the Affordable Care Act (ACA) and state and federal insurance regulations in the health care industry. She provides counseling regarding the ACA's impact on insurance companies and other health care payers and helps clients navigate through the complex areas of ACA compliance. Additionally, she uses her experience overseeing the federal Rate Review Program, the Medical Loss Ratio (MLR) Program, and the implementation of the market rules and the transitional policy to assist clients in navigating through these policies. Teresa also draws on her experience as a state insurance regulator to assist clients with insurance regulatory issues outside the health arena.
Prior to joining Crowell & Moring, Teresa served as acting director of the State Exchanges Group, the Oversight Group, and the Insurance Programs Group at the Center for Consumer Information and Insurance Oversight (CCIIO), Centers for Medicare & Medicaid Services (CMS), Department of Health & Human Services (HHS). While at CMS, she helped the agency roll out regulations and guidance implementing the private market reforms of the ACA and helped develop and implement the policies and rules governing state-based exchanges. She was instrumental in putting key provisions of the ACA into practice and worked closely with states and issuers to ensure compliance with all the new market reforms, including the market rating reforms. Before CMS, Teresa served as the administrator of the Oregon Insurance Division, where she helped implement the early stages of the ACA at the state level. In that role as Oregon's top insurance regulator, she was also responsible for making significant changes to Oregon's health insurance rate review process and was invited to testify before the Senate Health, Education, Labor, and Pensions Committee to highlight features of Oregon's improved process.
Teresa received her J.D. from Willamette University College of Law, and her B.A., magna cum laude, from Pacific Lutheran University.
Admitted to practice: Oregon
Teresa is not admitted in the District of Columbia; her practice is supervised by partners of the firm.
Speeches & Presentations
"Exchanges, MHPAEA, and More," Crowell & Moring's Healthcare Ounce Of Prevention Seminar (HOOPS), Washington, D.C.
(October 27-28, 2014).
Presenters: Teresa Miller and Joel D. Wood.
"What Does the Future Hold for Oregon’s Health Insurance Exchange, and How Will It Impact You and Your Practice?" Oregon Medical Association's Fall Political Forum, Portland, OR
(October 11, 2014).
Keynote Speaker: Teresa Miller.
Florida Association of Health Plans' Annual Conference, Orlando, FL
(September 22, 2014).
Speaker: Teresa Miller.
"How Do We Make Sure the Oregon HealthCare Exchange is Fair? - Fairness" To the Exchange...and Beyond, Moda Health Panel Discussion
(June 10, 2011).
Panelist: Teresa Miller.
"How Do We Make Sure the Oregon HealthCare Exchange is Fair? - Regulation" To the Exchange...and Beyond, Moda Health Panel Discussion
(June 10, 2011).
Panelist: Teresa Miller.
Client Alerts & Newsletters
In the News
ObamaCare Power Moves to States
October 1, 2014 — The Hill
Washington, D.C.-based Health Care Group partner, Teresa Miller, speaks with The Hill regarding the one year mark of ObamaCare's launch and how the healthcare law's fate rests in the hands of the states. When discussing the role the states play in the Affordable Care Act (ACA), Miller states, "I don't think [states] realize how much power they have in determining how the ACA gets enforced in their state." While most states have embraced the law, there are still dozens who continue to resist it.
PPACA, State-by-State: A Q&A with Oregon Insurance Administrator Teresa Miller
January 13, 2011 — LifeHealthPro.com
PPACA, State-by-State: A Q&A with Oregon Insurance Administrator Teresa Miller.
Five Questions with Teresa Miller
August 27, 2009 — Oregon Live
Q&A with Brent Hunsberger.
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