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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.

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.

 

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 -

2020 Filings - Final Rates


Gained Issuers 2020.jpg

Issuers by County 2020.jpg


ACA-RELATED RATE FILINGS FOR 2020 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-131915676



On/Off



1.6%



0.2%



PDF



PDF



PDF



PDF
​Capital Advantage Insurance Company

CABC-131915046



Off



-3.8%



-3.8%



PDF



PDF



PDF



PDF
Keystone Health Plan Central​

CABC-131915679



Off​



-1.3%



-8.0%



PDF​



PDF



PDF



PDF
First Priority Health HMO

HGHM-131904476



Off



-0.7%



-0.7%



PDF



PDF



PDF



PDF
​Highmark, Inc. ​HGHM-131904489

On/Off

-1.2%

-1.2%

PDF

PDF

PDF

PDF
​Highmark Benefits Group

​HGHM-131904542


On​


0%


0%​


PDF


PDF


PDF​


PDF
​Highmark Choice Company 
HGHM-131904490


On/Off


-2.3%


-2.3%


PDF


PDF


PDF


PDF
​Highmark Coverage Advantage

HGHM-131904511


On/Off​


0%


0%


PDF


PDF​


PDF


PDF
​Highmark Health Insurance Company - HHIC


HGHM-131904495




Off​




0%




0%




PDF




PDF




PDF




PDF
​Geisinger Health Plan
GSHP-131915673


On/Off


6.9%


6.5%


PDF


PDF


PDF


PDF
​Geisinger Quality Options
​GSHP-131915677


On/Off


7.1%


7.8%


PDF


PDF


PDF


PDF
​Keystone Health Plan East
INAC-131927121


On/Off


5.4%


5.4%


PDF


PDF


PDF


PDF​
​QCC Insurance Company
​INAC-131927222


On/Off


5.1%


5.1%


PDF


PDF


PDF


PDF
​UPMC Health Coverage, Inc.


UPMC-131943282



Off



2.2%



2.2%



PDF



PDF



PDF



PDF
​UPMC Health Options, Inc.

UPMC-131924266



On/Off




5.2%



3.2%



PDF



PDF



PDF



PDF
​PA Health & WellnessCECO-131936143


On/Off

-1.36%

-1.4%

PDF

PDF

PDF


PDF
Oscar Health Plan of PA​


OHIN-131948291


On/Off​


0%​


0%​


PDF


PDF


PDF


PDF

​​ ​ ​ ​ ​

 

ACA-RELATED RATE FILINGS FOR 2020 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 Company


AETN-131899868




Off



7.8%



7.8%



PDF



PDF



PDF



PDF
​Aetna HealthAssurance PA
AETN-131899743


Off


7.1%


7.1%


PDF


PDF


PDF


PDF
​Aetna Life Insurance Company

AETN-131899741


Off


7.1%


7.1%


PDF


PDF


PDF


PDF
Capital Advantage Assurance Company


CABC-131921797



Off



11.2%



11.3%



PDF



PDF



PDF



PDF
​Capital Advantage Insurance Company

CABC-131921812



Off



13.2%



13.2%



PDF



PDF



PDF



PDF
Keystone Health Plan Central​​CABC-131921815

Off

1.2%

1.2%

PDF

PDF

PDF

PDF
​First Priority Life Insurance Company

HGHM-131937085


Off


-.03%


-.03%


PDF


PDF


PDF


PDF

​Highmark, Inc.
​HGHM-131937189

Off

6.55%

6.67%

PDF

PDF

PDF

PDF
​Highmark Benefits GroupHGHM-131937056

Off

2.76%

2.76%

PDF

PDF

PDF

PDF
​Highmark Choice Company HGHM-131937197

Off

4.74%

5.20%

PDF

PDF

PDF

PDF
​Highmark Coverage Advantage

HGHM-131937188


Off


-.89%


-.89%


PDF


PDF


PDF


PDF
​Highmark Health Insurance Company - HHIC
HGHM-131937084


Off


-2.96%


-2.96%


PDF


PDF


PDF


PDF
​Geisinger Health PlanGSHP-131915715

Off

14.5%

15.3%

PDF

PDF

PDF

PDF
​Geisinger Quality Options​GSHP-131915683

Off

18.1%

18.3%

PDF

PDF

PDF

PDF
​Keystone Health Plan East/AmeriHealth HMO Inc

INAC-131927130



Off



9.7%



9.7%



PDF



PDF



PDF



PDF
​QCC Insurance CompanyINAC-131927133

Off

11.5%

11.5%

PDF

PDF

PDF

PDF
​UnitedHealthcare of PAUHLC-131931862

Off

4.4%

4.5%

PDF

PDF

PDF

PDF
​UnitedHealthcare Insurance Company
UHLC-131931939


Off


9.2%


9.3%


PDF


PDF


PDF


PDF
UPMC Health Benefits
UPMC-131943309

Off

11.5%

11.47%

PDF

PDF

PDF

PDF
​UPMC Health Coverage, Inc. UPMC-131943297

Off

9.8%

9.77%

PDF

PDF

PDF

PDF
​UPMC Health Options, Inc.
UPMC-131943283

Off

8.2%

8.16%

PDF

PDF

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
  • To view 2019 completed ACA-related filings, click here.
  • For technical support ONLY, please contact Tracy Bixler via email at tbixler@pa.gov