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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 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.

Individual and Small Group Market Plan and Insurer Summary Information -

2019 Filings

(updated 10/18/18)


ACA-RELATED RATE FILINGS FOR 2019 PLANS - INDIVIDUAL MARKET 

 
 
​Company
 
Name​
​Tracking #​On Exchange?​​ % Requested ​​ % Approved​View Filing​ Summary
​View Requested 
 
Filing​
​View Final Filing​View Decision Summary​
Capital Advantage Assurance Company CABC-131454875​​On/Off
​-20.4%-20.8%​PDF PDFPDF
PDF
​Capital Advantage Insurance CompanyCABC-131454888Off​-42.7%​-43.2%​PDF PDFPDF
PDF
Keystone Health Plan Central​CABC-131454728Off​-6.2%​-7.3%​ PDF PDFPDF
PDF
First Priority Health HMO​HGHM-131475735On/Off​2.5%​1.1%​ PDF​ PDF PDF
PDF
​First Priority Life Insurance Company​HGHM-131475736Off​8.6%​6.9%​PDF PDF​ PDF​PDF
​Highmark, Inc. HGHM-131475700On/Off​8.4%​6.3%​ PDF PDF​​PDF
​PDF
​Highmark Choice Company (KHPW)​​HGHM-131475734On/Off​5.9%​4.0%​PDF PDF PDF PDF
​Highmark Health Insurance Company - HHIC​HGHM-131475752On/Off​-5.2%​-6.8%​PDF PDF PDF​PDF
​Highmark Select Resources Inc.HGHM-131475762Off​0.0%​0%​ PDF PDF​PDF
PDF
​Geisinger Health Plan GSHP-131501956​On/Off​5.1%​-0.4%​ PDF​ PDFPDFPDF
​Geisinger Quality OptionsGSHP-131501975On/Off​13.2%​7.8%​
PDF PDFPDF
PDF
​Keystone Health Plan East ​INAC-131476931​On/Off​2.6%-1.7%​
PDF PDFPDFPDF
​QCC Insurance CompanyINAC-131478475On/Off​0.0%​
-6.4%
PDF ​PDF
PDF
PDF
​UPMC Health Coverage, Inc.
UPMC-131496004Off​12.1%​12.1%​
PDF PDF
PDFPDF
​UPMC Health Options, Inc. UPMC-131495924On/Off​2.3%​2.03%
PDF PDF​
PDFPDF
​PA Health & WellnessCECO-131500564On/Off​New​New​ ​PDF PDFPDF
​PDF

​​ ​ ​ ​ ​

 

ACA-RELATED RATE FILINGS FOR 2019 PLANS - SMALL GROUP MARKET 

 
​Company
Name​
​Tracking #​
On
Exchange?  ​
​ % Requested​​ %     Approved​View Filing​   Summary
​View Requested 
 
Filing​
​View Final Filing​View Decision Summary​
Aetna Health, Inc/Aetna Health Insurance CompanyP

AETN-131455854
AETN-131455863

 

Off​ 16.1%​ ​ 11.6%
PDF PDF PDFPDF
​Aetna HealthAssurance PA AETN-131455851​ Off​ 12.7%​ 8.5%
PDF PDFPDF
PDF
​Aetna Life Insurance Company
AETN-131455780​Off12.7%​8.6%​PDF PDF
PDFPDF
Capital Advantage Assurance Company
CABC-131455101Off​0.6%​0.7% PDF PDF​PDF
PDF
​Capital Advantage Insurance Company ​CABC-131455106Off​16.0%​16.2%
PDF PDF PDF PDF
Keystone Health Plan Central​CABC-131455108Off​4.9%​5.0%
PDF PDF PDF PDF
​First Priority Life Insurance Company​HGHM-131496216Off​18.6%​17.81%​PDF PDF​PDF
PDF
​Highmark, Inc. HGHM-131496008Off​
19.9%​18.46%​PDF PDF​PDF
PDF
​Highmark Benefits Group​HGHM-131496086Off​
5.1%5.14%
PDF PDF PDF
PDF
​Highmark Choice Company (KHPW)​​HGHM-131496326Off​-33.4%​-33.36%​ PDF​ PDF​ PDF
PDF
​Highmark Coverage Advantage
HGHM-131496215​Off​12.8%​12.28%​ ​PDF PDF ​PDF
PDF
​Highmark Health Insurance Company - HHIC​HGHM-131496229Off​10.3%​10.32%
PDF PDF PDF
PDF
​Geisinger Health Plan GSHP-131502009​​Off1.5%​-4.74%​ ​PDF PDFPDF
PDF
​Geisinger Quality OptionsGSHP-131502028​Off2.7%​​-3.65%
PDF PDF​PDF
PDF
​Keystone Health Plan East/AmeriHealth HMO IncINAC-131478481/INAC-131478518On/Off​4.3%​4.3%​
PDF​ PDFPDFPDF
​QCC Insurance Company ​INAC-131478429Off​5.1%​5.1%​
PDF PDFPDFPDF
​UnitedHealthcare Insurance Company of PA UHLC-131482151​Off​New​New​
​PDF PDFPDFPDF
​UnitedHealthcare Insurance Company UHLC-131482147​Off​9.3%​​8.1%
PDF PDFPDF
PDF
UPMC Health Benefits
UPMC-131496028​Off​
New​New​
PDF PDFPDFPDF
​UPMC Health Coverage, Inc. UPMC-131496011Off​-5.2%​-5.24%
PDF PDFPDF
PDF
​UPMC Health Options, Inc.
UPMC-131495951​Off-5.3%​​-5.34%
PDF PDF​PDFPDF

 


MORE INFORMATION

  • Members of the media may contact the Office of Press and Communications with any requests by phone at 717-787-3289 or via email at ra-in-press@pa.gov
  • To view 2018 completed ACA-related filings, click here.
  • For technical support ONLY, please contact Tracy Bixler via email at tbixler@pa.gov