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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  

2022 Final Rates Public Use Tool 

ACA-RELATED RATE FILINGS FOR 2023 PLANS - INDIVIDUAL MARKET 

Company NameTracking #On Exchange?% Requested % ApprovedView Filing Summary (Attachment I)View Requested Filing (Public PDF)View Final FilingView Decision Summary
Capital Advantage Assurance Company CABC-133247263On/Off12.26%PDF PDF
Keystone Health Plan CentralCABC-133267272Off -7.62%PDF
PDF
Highmark, Inc.HGHM-133249726On/Off10.30%PDF
PDF
Highmark Benefits GroupHGHM-133249727On/Off14.43%PDF
PDF
Highmark Coverage AdvantageHGHM-133249767On/Off5.32%PDF
PDF
 
Geisinger Health PlanGSHP-133251205On/Off25.94%PDF
PDF
Geisinger Quality OptionsGSHP-133251210On/Off27.47%PDF
PDF
Keystone Health Plan EastINAC-133249350On/Off2.43%PDF
PDF
QCC Insurance CompanyINAC-133254407On/Off2.09%PDF
PDF
 
UPMC Health Coverage, Inc.UPMC-133257300On/Off5.51%PDF
PDF
UPMC Health Options, Inc.UPMC-133257270On/Off5.21%PDF
PDF
PA Health & WellnessCECO-133248857On/Off5.94%PDF
PDF
Oscar Health Plan of PAOHIN-133283238On/Off10.36%PDF
PDF
Cigna Health and Life Insurance CompanyCCGH-133247418On/Off6.01%PDF
PDF


ACA-RELATED RATE FILINGS FOR 2023 PLANS - SMALL GROUP MARKET 

Company NameTracking #On Exchange?% Requested % ApprovedView Filing Summary (Attachment I)View Requested Filing (Public PDF)View Final FilingView Decision Summary
Aetna Health, Inc/Aetna Health Insurance CompanyAETN-133266777Off-32.19%PDF
PDF
Aetna HealthAssurance PAAETN-133266732Off-12.27%PDF
PDF
Aetna Life Insurance CompanyAETN-133266601Off-12.27%PDF
PDF
Capital Advantage Assurance CompanyCABC-133252091Off9.12%PDF
PDF
Keystone Health Plan CentralCABC-133252133Off8.44%PDF
PDF
First Priority Life Insurance CompanyHGHM-133250225Off0.87%PDF
PDF
  
Highmark, Inc.HGHM-133250441Off3.61%PDF
PDF
Highmark Benefits GroupHGHM-133250446Off5.06%PDF
PDF
Highmark Coverage AdvantageHGHM-133250437Off2.40%PDF
PDF
 
Geisinger Health PlanGSHP-133251213Off-7.58%PDF
PDF
Geisinger Quality OptionsGSHP-133252972Off-5.50%PDF
PDF
Keystone Health Plan East/AmeriHealth HMO IncINAC-133254493Off0.19%PDF
PDF
QCC Insurance CompanyINAC-133254516Off0.36%PDF
PDF
UnitedHealthcare of PAUHLC-133267509Off9.24%PDF
PDF
UnitedHealthcare Insurance CompanyUHLC-133267540Off6.41%PDF
PDF
UPMC Health BenefitsUPMC-133258233Off12.54%PDF
PDF
UPMC Health Coverage, Inc.UPMC-133258222Off10.82%PDF
PDF
UPMC Health Options, Inc.UPMC-133258174Off12.59%PDF
PDF
Cigna Health and Life Insurance CompanyCCGH-133250183Off0.00% PDF
PDF
  



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