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Affordable Care Act 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.

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 -

2022 Filings

Number of Insurance Companies Offering On-Exchange Plans - PY 2022  

ACA-RELATED RATE FILINGS FOR 2022 PLANS - INDIVIDUAL MARKET 

Company Name Tracking # On Exchange? % Requested  % Approved View Filing Summary (Attachment I) View Requested Filing  (Public PDF) View Final Filing View Decision Summary
Capital Advantage Assurance Company  CABC-132796292 On/Off 5.08% N/A PDF Link PDF Link NA NA
Capital Advantage Insurance Company CABC-132796294 Off 0.77% N/A PDF Link PDF Link NA NA
Keystone Health Plan Central CABC-132796296 Off -0.02% N/A PDF Link PDF Link
NA
NA
First Priority Health HMO HGHM-132820374 Off 6.64% N/A PDF Link PDF Link NA NA
Highmark, Inc. HGHM-132820364 On/Off 0.30% N/A PDF Link PDF Link NA NA
Highmark Benefits Group HGHM-132820371 On/Off 3.97% N/A PDF Link PDF Link NA NA
Highmark Coverage Advantage HGHM-132820368 On/Off -2.00% N/A PDF Link PDF Link NA NA
Geisinger Health Plan GSHP-132824247 On/Off 2.72% N/A PDF Link PDF Link NA NA
Geisinger Quality Options GSHP-132824666 On/Off 1.31% N/A PDF Link PDF Link NA NA
Keystone Health Plan East INAC-132818417 On/Off 3.64% N/A PDF Link PDF Link
NA NA
QCC Insurance Company INAC-132818429 On/Off 1.67% N/A PDF Link PDF Link NA NA
UPMC Health Coverage, Inc. UPMC-132801380 On/Off 4.19% N/A PDF Link PDF Link NA NA
UPMC Health Options, Inc. UPMC-132801412 On/Off 0.39% N/A PDF Link PDF Link NA NA
PA Health & Wellness CECO-132819212 On/Off -7.39% N/A PDF Link PDF Link NA NA
Oscar Health Plan of PA OHIN-132808338 On/Off -7.88% N/A PDF Link PDF Link NA NA
Cigna Health and Life Insurance Company CCGH-132805433 On/Off 0.00% N/A PDF Link PDF Link NA  NA



ACA-RELATED RATE FILINGS FOR 2022 PLANS - SMALL GROUP MARKET 

 
Company Name Tracking # On Exchange? % Requested  % Approved View Filing Summary (Attachment I) View Requested Filing  (Public PDF) View Final Filing View Decision Summary
Aetna Health, Inc/Aetna Health Insurance Company AETN-132730900 Off -20.34% N/A PDF Link PDF Link NA NA
Aetna HealthAssurance PA AETN-132731141 Off 0.00% N/A PDF Link PDF Link NA NA
Aetna Life Insurance Company AETN-132731340 Off -22.07% N/A PDF Link PDF Link NA NA
Capital Advantage Assurance Company CABC-132795876 Off 4.90% N/A PDF Link PDF Link NA NA
Capital Advantage Insurance Company CABC-132795942 Off 5.50% N/A PDF Link PDF Link NA NA
Keystone Health Plan Central CABC-132795960 Off 4.62% N/A PDF Link PDF Link NA NA
First Priority Life Insurance Company HGHM-132831354 Off -0.20% N/A PDF Link PDF Link NA NA
Highmark, Inc. HGHM-132831048 Off 0.78% N/A PDF Link PDF Link NA NA
Highmark Benefits Group HGHM-132830994 Off 5.45% N/A PDF Link PDF Link NA NA
Highmark Choice Company  HGHM-132831326 Off 0.00% N/A PDF Link PDF Link NA NA
Highmark Coverage Advantage HGHM-132831330 Off -3.17% N/A PDF Link PDF Link NA NA
Highmark Health Insurance Company - HHIC HGHM-132830955 Off 4.42% N/A PDF Link PDF Link NA NA
Geisinger Health Plan GSHP-132824328 Off -0.27% N/A PDF Link PDF Link NA NA
Geisinger Quality Options GSHP-132824706 Off -0.84% N/A PDF Link PDF Link NA NA
Keystone Health Plan East/AmeriHealth HMO Inc INAC-132818409 Off 3.37% N/A PDF Link PDF Link NA NA
QCC Insurance Company INAC-132818434 Off 2.90% N/A PDF Link PDF Link NA NA
UnitedHealthcare of PA UHLC-132831666 Off 4.77% N/A PDF Link PDF Link NA NA
UnitedHealthcare Insurance Company UHLC-132831625 Off -1.50% N/A PDF Link PDF Link NA NA
UPMC Health Benefits UPMC-132801369 Off 14.12% N/A PDF Link PDF Link NA NA
UPMC Health Coverage, Inc. UPMC-132801322 Off 7.94% N/A PDF Link PDF Link NA NA
UPMC Health Options, Inc. UPMC-132801371 Off 8.75% N/A PDF Link PDF Link NA NA


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
  • For technical support ONLY, please contact the Department via email at ra-rateform@pa.gov