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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 -

2021 Filings - Final Rates

Oct20Axlrose


ACA-RELATED RATE FILINGS FOR 2021 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-132354885



On/Off


-14.43%


-14.43%


PDF


PDF


PDF


PDF
​Capital Advantage Insurance Company
CABC-132354933


Off


-15.50%


-15.50%


PDF



PDF


PDF


PDF
Keystone Health Plan Central​
CABC-132354935


Off


-1.69%


-1.69%


PDF


PDF


PDF


PDF
First Priority Health HMO
HGHM-132324148


Off


-19.18%


-19.18%


PDF


PDF


PDF


PDF
​Highmark, Inc. HGHM-132324142

On/Off

-0.67%

-0.67%

PDF

PDF

PDF

PDF
​Highmark Benefits Group

​HGHM-132324173


On/Off


-3.96%


-3.96%


PDF


PDF


PDF


PDF
​Highmark Choice Company 
HGHM-132324143


Off


N/A


N/A


PDF


PDF


PDF


PDF
​Highmark Coverage Advantage

HGHM-132324161


On/Off


3.12%


3.12%


PDF


PDF


PDF


PDF
​Highmark Health Insurance Company - HHIC

HGHM-132324144



Off



-15.55%



-15.55%



PDF



PDF



PDF



PDF
​Geisinger Health Plan
GSHP-132364648


On/Off


-11.28%


-11.28%


PDF


PDF


PDF


PDF
​Geisinger Quality Options
​GSHP-132364636


On/Off


-13.57%


-13.57%


PDF


PDF


PDF


PDF
​Keystone Health Plan East
INAC-132358787

On/Off

-2.15%

-3.91%

PDF

PDF

PDF

PDF
​QCC Insurance Company
INAC-132358777

On/Off

-1.95%

-3.88%

PDF

PDF

PDF

PDF
​UPMC Health Coverage, Inc.

​UPMC-132364646



Off


N/A


N/A


PDF


PDF


PDF


PDF
​UPMC Health Options, Inc.
UPMC-132364637



On/Off


1.28%


1.28%


PDF


PDF


PDF


PDF
​PA Health & WellnessCECO-132346847

On/Off

-6.60%

-6.60%

PDF

PDF

PDF

PDF
Oscar Health Plan of PA​


OHIN-132375235

On/Off

6.86%

6.86%

PDF

PDF

PDF

PDF

​​ ​ ​ ​ ​

 

ACA-RELATED RATE FILINGS FOR 2021 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-132308679


Off


6.20%


6.20%


PDF


PDF


PDF


PDF
​Aetna HealthAssurance PAAETN-132308680

Off

7.33%

7.33%

PDF

PDF

PDF

PDF
​Aetna Life Insurance Company
AETN-132308748

Off

7.33%

7.33%

PDF

PDF

PDF

PDF
Capital Advantage Assurance Company

CABC-132352718


Off


-6.91%


-6.91%


PDF


PDF


PDF


PDF
​Capital Advantage Insurance Company
CABC-132352732



Off


-5.95%


-5.95%


PDF


PDF


PDF


PDF
Keystone Health Plan Central​​CABC-
132352804

Off

-8.74%

-8.74%

PDF

PDF

PDF

PDF
​First Priority Life Insurance Company

HGHM-
132380627


Off


12.41%


12.41%


PDF


PDF


PDF


PDF

​Highmark, Inc.
​HGHM-132381011

Off

1.59%

1.59%

PDF

PDF

PDF

PDF
​Highmark Benefits Group
HGHM-132380419

Off

2.37%

2.37%

PDF

PDF

PDF

PDF
​Highmark Choice Company HGHM-132381009

Off

N/A

N/A

PDF


PDF

PDF

PDF
​Highmark Coverage Advantage

HGHM-132380500


Off


0.78%


0.78%


PDF


PDF


PDF


PDF
​Highmark Health Insurance Company - HHIC
HGHM-132380665


Off


-1.06%


-1.06%


PDF


PDF


PDF


PDF
​Geisinger Health PlanGSHP-132364598

Off

17.87%

15.64%

PDF

PDF

PDF

PDF
​Geisinger Quality OptionsGSHP-132364597

Off

16.48%

14.28%

PDF

PDF

PDF

PDF
​Keystone Health Plan East/AmeriHealth HMO Inc
INAC-132358832



Off


0.88%


0.88%


PDF



PDF


PDF


PDF
​QCC Insurance CompanyINAC-132358831

Off

0.87%

0.87%

PDF

PDF

PDF

PDF
​UnitedHealthcare of PAUHLC-132374427

Off

7.18%

8.75%

PDF

PDF

PDF

PDF
​UnitedHealthcare Insurance Company
UHLC-132374424


Off


5.32%


4.01%


PDF


PDF


PDF


PDF
UPMC Health Benefits
UPMC-132364942

Off

-2.99%

-2.99%

PDF

PDF

PDF

PDF
​UPMC Health Coverage, Inc. UPMC-132364928

Off

4.05%

4.05%

PDF

PDF

PDF

PDF
​UPMC Health Options, Inc.
UPMC-132364924


Off

3.59%

3.59%

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 2020 completed ACA-related filings, click here.
  • To view 2019 completed ACA-related filings, click here.
  • To view 2018 completed ACA-related filings, click here.
  • For technical support ONLY, please contact the Department via email at ra-rateform@pa.gov