​​​​​​​​Affordable Care Act Health Rate Filings

Insurance companies offering individual and small group health insurance plans in Pennsylvania must file proposed rates for the upcoming plan year.  We then review and approve those rates before plans can be sold to consumers.

The rates submitted by the insurers reflect estimates of future costs, including medical and prescription drug costs and administrative expenses, based on historical data and forecasts of trends for the upcoming plan year.

The goal of the rate review process is to ensure plans are priced appropriately and are not unfair or discriminatory.

During the review process, we consider the insurers' estimates of future costs, historical data, and forecasts for the upcoming year.   We also factor in other information, such as the insurer's revenues, actual and projected profits, past rate changes, and the effect the change will have on Pennsylvania consumers.

Below you can review information on pending and approved rate filings for individual and small-group plans that comply with the Affordable Care Act. We will post the information as it becomes available. Insurers’ Requested Rate % and Initial Rate Change Requests are usually available in early August.  Once the Department has completed its review of those requests the Approved Rate % and Final Rate Change Decision will also be posted to the website, usually in October. Limited portions of the filings are deemed confidential by law. Consumers are invited to submit comments on any pending filings to ra-rateform@pa.gov. Comments submitted in writing may be posted to our website.​​