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ACA HEALTH RATE FILINGS

Insurance companies offering individual and small group health insurance plans are required to file proposed rates with the Pennsylvania Insurance Department for review and approval before plans can be sold to consumers.  The Department reviews rates to ensure that the plans are priced appropriately -- that is, they are neither excessive (too high) nor inadequate (too low) -- and are not unfairly discriminatory.

Rates reflect estimates of future costs, including medical and prescription drug costs and administrative expenses, and are based on historical data and forecasts of trends in the upcoming year.  In its review, the Department considers these factors, as well as factors such as the insurer's revenues, actual and projected profits, past rate changes, and the effect the change will have on Pennsylvania consumers. For more information on this process, watch our How Are Health Insurance Rates Decided? video.

Below, you can review information on pending and approved rate filings for individual and small group products that comply with the reforms of the Affordable Care Act.  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 will be posted to our website. 

You can find rate filings for products that either predate the Affordable Care Act ("grandfathered" products), or that have been granted a temporary period in which to transition into compliance with Affordable Care Act ("transitional" products), here.

You can view rate filings for previous years on our website here, or search for rate filings for previous years on the federal government's website here.

COUNTY-LEVEL INFORMATION ON PROPOSED RATE FILINGS

As part of an ongoing effort to increase transparency and present information in a consumer-friendly manner, the Department has created a set of tables and maps that the public can use to understand information on proposed plans and rates at the county level.


ACA-RELATED PROPOSED RATE FILINGS FOR 2018 PLANS – INDIVIDUAL MARKET  

Company Name


 

Tracking #

On Exchange?

 Requested

​% Requested
(Revised)* 

Approved​

View Initial Filing Summary


View Initial Filing 

View Final Filing

View Decision Summary

Capital Advantage Assurance Company

CABC-131022042

On/Off

12.48%

12.15%

 

PDF 

PDF 

 

 

Capital Advantage Insurance Company

CABC-131022047

Off

9.53%

13.76%

 

PDF 

PDF 

 

 

Keystone Health Plan Central

CABC-131022039

Off

4.72%

4.9%

 

PDF 

PDF 

 

 

First Priority Health HMO

HGHM-131020597

On/Off

8.65%

--

 

 PDF

PDF 

 

 

First Priority Life Insurance Company

HGHM-131020586

Off

10.38%

​--

 

 PDF

 PDF

 

 

Highmark, Inc.

HGHM-131020694

On/Off

19.65%

​--

 

 PDF

 PDF

 

 

Highmark Choice Company (KHPW)

HGHM-131020696

On/Off

0.00%

​--

 

 PDF

PDF 

 

 

Highmark Health Insurance Company - HHIC

HGHM-131020572

On/Off

8.77%

​8.90%

 

 PDF

 PDF

 

 

Highmark Select Resources Inc

HGHM-131020691

Off

0.00%

​--

 

PDF 

 PDF

 

 

Geisinger Health Plan

GSHP-131024095

On/Off

8.14%

8.20%

 

 PDF

 PDF

 

 

Geisinger Quality Options

GSHP-131024096

Off

8.79%

-11.6%

 

 PDF

 PDF

 

 

Keystone Health Plan East

INAC-131005820

On/Off

4.71%

4.60%

 

PDF 

PDF 

 

 

QCC Insurance Company

INAC-131005808

On/Off

14.11%

13.90%

 

PDF 

PDF 

 

 

UPMC Health Coverage, Inc.

UPMC-131034852

Off

0.00%

-0.22%

 

 PDF

PDF

 

 

UPMC Health Options, Inc.

UPMC-131034732

On/Off

7.96%

7.99%

 

 PDF

PDF 

 

 

* Revised rate increase due to updated risk adjustment transfer estimates and/or revisions made in the course of the Department's review.

  ACA-RELATED PROPOSED RATE FILINGS FOR 2018 PLANS – SMALL GROUP MARKET  

 


 

Company Name


 

Tracking #

On Exchange?

Requested

% Requested

Revised *​

Approved​

View Initial Filing Summary


 

View Initial Filing

View Final Filing

View Decision Summary

Aetna Health, Inc./Aetna Health Insurance Co.

AETN-131033648 / AETN-131033632

Off

11.00%

​--

 

 PDF

PDF 

 

 

Aetna HealthAssurance, PA

AETN-131033573

Off

1.83%

1.84%

 

 PDF

 PDF 

 

 

Aetna Life Insurance Co.

AETN-131033620

Off

1.46%

​--

 

 PDF

 PDF 

 

 

Capital Advantage Assurance Company

CABC-131022141

Off

5.12%

​5.13%*

 

 PDF

PDF 

 

 

Capital Advantage Insurance Company

CABC-131022120

Off

2.57%

4.75%

 

PDF 

 PDF

 

 

Keystone Health Plan Central

CABC-131022144

Off

8.18%

-13.39%

 

 PDF

PDF 

 

 

First Priority Life Insurance Company

HGHM-131014764

Off

6.64%

​--

 

 PDF

PDF 

 

 

Highmark, Inc.

HGHM-131014769

Off

0.05%

​--

 

PDF 

PDF 

 

 

Highmark Benefits Group

HGHM-131014789

Off

5.50%

​--

 

 PDF

 PDF

 

 

Highmark Choice Company (KHPW)

HGHM-131014795

Off

-0.14%

​--

 

PDF 

 PDF

 

 

Highmark Coverage Advantage

HGHM-131014753

Off

-1.08%

​--

 

 PDF

PDF 

 

 

Highmark Health Insurance Company- HHIC

HGHM-131014792

Off

3.28%

​--

 

 PDF

PDF 

 

 

Geisinger Health Plan

GSHP-131024097

Off

10.80%

10.60%

 

 PDF

PDF 

 

 

Geisinger Quality Options

GSHP-131024110

Off

14.19%

14.80%

 

 PDF

 PDF

 

 

Keystone Health Plan East, Inc./AmeriHealth HMO, Inc.

INAC-131005809 /
INAC-131005813  

Off

10.19%

​--

 

PDF 

 PDF

 

 

QCC Insurance Company

INAC-131005785

Off

9.41%

​--

 

 PDF

 PDF

 

 

UPMC Health Coverage, Inc.

UPMC-131034854

On/Off

-2.61%

-2.33%

 

 PDF

PDF 

 

 

UPMC Health Options, Inc.

UPMC-131034850

On/Off

4.37%

4.57%

 

 PDF

PDF 

 

 

United Healthcare Insurance Company

UHLC-131030030

Off

1.56%

4.37%

 

PDF 

PDF 

 

 

* Revised rate increase due to updated risk adjustment transfer estimates and/or revisions made in the course of the Department's review.


 

MORE INFORMATION

  • Members of the media may contact the Office of Press and Communications with any questions by phone at 717.787.3289 or via email at ra-in-press@pa.gov.
  • To view completed ACA-related filings, click here.
  • For technical support only, please contact Tracy Bixler via email at tbixler@pa.gov or via telephone at 717-783-2112.