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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.  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 the federal government's website here.

Users will only be able to view the public details of the filing, as certain portions are deemed confidential by law.


 

ACA-RELATED PROPOSED RATE FILINGS FOR 2017 PLANS – INDIVIDUAL MARKET  

Company Name

Tracking #

On Exchange?

% Requested

% Approved​

View Initial Filing Summary

View Initial Filing*

View Final Filing

View Decision Summary

Aetna Health Inc.

AETN-130503304

On/Off

17.20%

 

PDF

 PDF
PDF

 

 

Capital Advantage Assurance Company

CABC-130539561

On/Off

27.00%

 

PDF

 PDF
PDF

 

 

Capital Advantage Insurance Company

CABC-130539588

Off

21.10%

 

PDF

PDF
PDF 

 

 

Keystone Health Plan Central

CABC-130539563

On/Off

20.40%

 

PDF

PDF 
PDF

 

 

First Priority Health HMO

HGHM-130536973

On

0.00%

 

PDF

 PDF
PDF

 

 

First Priority Life Insurance Company

HGHM-130536965

On

38.80%

 

PDF

PDF 
PDF

 

 

Highmark, Inc.

HGHM-130540834

On

38.40%

 

PDF

PDF 
PDF

 

 

Highmark Choice Company (KHPW)

HGHM-130540988

Off

44.80%

 

PDF

PDF 
PDF

 

 

Highmark Health Insurance Company - HHIC

HGHM-130540841

On

48.10%

 

PDF

 PDF 
PDF

 

 

Highmark Select Resources Inc

HGHM-130540919

Off

25.40%

 

PDF

PDF 
PDF

 

 

Geisinger Health Plan

GSHP-130558318

On/Off

41.23%

 

PDF

 PDF 
PDF

 

 

Geisinger Quality Options

GSHP-130558343

On/Off

40.68%

 

PDF

PDF
PDF

 

 

Keystone Health Plan East

INAC-130539671

On/Off

19.87%

 

PDF

PDF 
PDF

 

 

QCC Insurance Company

INAC-130539917

On/Off

22.52%

 

PDF

 PDF
PDF

 

 

UPMC Health Coverage, Inc.

UPMC-130536761

On

0.93%

 

PDF

PDF
   PDF   

 

 

UPMC Health Options, Inc.

UPMC-130536844

On/Off

16.16%

 

PDF

 PDF 
PDF

 

 

Freedom Life Insurance Company of America

USHG-130529943

Off

9.95%

 

PDF

PDF 
PDF

 

 

 

National Foundation Life Insurance Company

 USHG-130529979

Off

9.95%

 

PDF

         PDF
         PDF

 

 

*Initial filings will be posted the week of June 13, 2016. 

 

ACA-RELATED PROPOSED RATE FILINGS FOR 2017 PLANS – SMALL GROUP MARKET  

 

Company Name

Tracking #

On Exchange?

% Requested

% Approved​

View Initial Filing Summary

View Initial Filing*

View Final Filing

View Decision Summary

Aetna Health, Inc./Aetna Health Insurance Co.

AETN-130533489 / AETN-130533478 

Off

31.80%

 

PDF

 PDF
PDF

 

 

Aetna HealthAssurance, PA

AETN-130533528

Off

32.30%

 

PDF

 PDF
PDF

 

 

Aetna Life Insurance Co.

AETN-130533503

Off

31.70%

 

PDF

PDF
PDF 

 

 

Capital Advantage Assurance Company

CABC-130539601

Off

4.30%

 

PDF

 PDF
PDF

 

 

Capital Advantage Insurance Company

CABC-130539615

Off

4.50%

 

PDF

  PDF
PDF

 

 

Keystone Health Plan Central

CABC-130539616

Off

8.00%

 

PDF

PDF 
PDF

 

 

First Priority Life Insurance Company

HGHM-130536975

On/Off

11.10%

 

PDF

PDF 
PDF

 

 

Highmark, Inc.

HGHM-130535904

Off

5.73%

 

PDF

PDF 
PDF

 

 

Highmark Benefits Group

HGHM-130535955

Off

6.08%

 

PDF

 PDF
PDF

 

 

Highmark Choice Company (KHPW)

HGHM-130535987

Off

1.92%

 

PDF

 PDF
PDF

 

 

Highmark Coverage Advantage

HGHM-130535903

Off

-3.83%

 

PDF

PDF
PDF

 

 

Highmark Health Insurance Company- HHIC

HGHM-130535961

On/Off

1.85%

 

PDF

 PDF 
PDF

 

 

Geisinger Health Plan

GSHP-130558378

Off

9.33%

 

PDF

 PDF
PDF

 

 

Geisinger Quality Options

GSHP-130558380

Off

5.20%

 

PDF

PDF
PDF

 

 

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

INAC-130539718

On/Off

3.68%

 

PDF

PDF
PDF

 

 

QCC Insurance Company

INAC-130539936

On/Off

4.35%

 

PDF

         PDF
         PDF

  

 

 

UPMC Health Coverage, Inc.

UPMC-130536846

On/Off

6.70%

 

PDF

PDF
PDF 

 

 

UPMC Health Options, Inc.

UPMC-130536887

On/Off

5.30%

 

PDF

PDF 
PDF

 

 

Federated Mutual Insurance Company

FEMC-130532688

Off

33.00%

 

PDF

 PDF
PDF

 

 

United Healthcare Insurance Company

UHLC-130536849

On/Off

4.23%

 

PDF

PDF 
PDF

 

 

 

*Initial filings will be posted the week of June 13, 2016. 

 

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, please contact Tracy Bixler via email at tbixler@pa.gov or via telephone at 717-783-2112.
Geisinger Health Plan IND.pdfGeisinger Health Plan SG.pdf