Health Carriers Propose Affordable Care Act Premium Rates for 2027
Proactive policies of the Moore Administration and General Assembly ensure that Maryland's individual premium rates remain among the lowest in the nation, in spite of federal pressures due to changing Exchange rules and continued lack of expansion of enhanced tax credits
BALTIMORE – The Maryland Insurance Administration has received the 2027 proposed premium rates for Affordable Care Act products offered by health and dental carriers in the individual, non-Medigap and small group markets, which impact approximately 482,000 Marylanders and represents 19% of the commercial health insurance market.
In the individual, non-Medigap market, carriers are requesting an overall average rate change of 13.7%, with the average request by carrier ranging from 12% to 14.6%.
2027 Requested Commercial Health Insurance Rates Have Been Submitted to OHIC for Review
The Office of Health Insurance Commissioner (OHIC) today released the individual, small group, and large group market premium rates requested by Rhode Island’s insurers. The requests were filed as part of OHIC’s rate review process (for coverage effective on or after January 1, 2027).
“Health insurers are once again seeking rate increases to cover the rising cost of health care and other expenses,” said Health Insurance Commissioner Cory King. He continued: “OHIC will thoroughly review these requests to determine whether they are justified.”
Two insurers, Blue Cross Blue Shield of Rhode Island (BCBSRI) and Neighborhood Health Plan of Rhode Island (NHPRI), filed rates for plans to be sold on the individual market to people and families who do not receive insurance through their employer.
The first thing that's important to understand about the Indiana insurance market is that there are two carriers leaving the individual (ACA) market, and one possibly (?) leaving the small group market next year.
Individual Market Proposed Average Rate Changes for Plan Year 2027
The summary table below provides an overview of the proposed average rate changes from 2026 in the individual health insurance market, as reported by the insurers.
It is important to note these are the initial rates proposed by the insurers and filed with the Departments. Rates are subject to review and approval by the Departments, and the final approved rates may vary from these proposed rates for many reasons.
Additionally, the actual rate change a consumer will experience in 2027 can vary from the average – with factors such as specific plan, geographic rating area, and age playing a major role.
...Aspirus Health Plan will be new to the exchange for Plan Year 2027. While UCare individual plans were supported throughout Plan Year 2026 to ensure a smooth transition for Minnesotans after the company was acquired by Medica, UCare plans will no longer be available in Plan Year 2027.
Health insurers must make an application to the Department of Financial Services to evaluate their proposed rate changes. The Department reviews the rate applications along with the insurer’s underlying calculations to make sure that rate increases are justified and not excessive. During review, DFS may request more information from the insurer and consider comments from policyholders or the public. Rate applications and all documents relating to an application can be found here:
Individual and Small Group Medical Premium Rates
Beginning with rate application filings submitted in 2023 for benefit year 2024, rate information will be contained in one place for all insurers, separated by Market Segment.
The chart below contains proposed rates for Plan Year 2027, which will be reviewed for compliance with federal and state requirements. Please submit any comments to DOI.HealthRateReview@illinois.gov by Friday, July 10, 2026.
In accordance with the provisions of 211 CMR 66.08(3)(e), and in order to ensure that insurance rates are fair to consumers, the Division of Insurance reviews and seeks public comment on the rates requested by health insurance carriers.
The following tables depict the proposed overall weighted average premium increase and the key assumptions behind premium development for the merged (individual and small employer) market filed by insurance carriers as part of the Massachusetts Division of Insurance rate review process (for rates effective in 2027). This information is subject to change as the rate review process continues.
The Health Care Access Bureau within the Massachusetts Division of Insurance is currently reviewing these assumptions. This review process will culminate in a final decision in August 2026.
Merged Market Summary for Proposed Rates Effective for 2027
(Washington, DC) – The DC Department of Insurance, Securities and Banking (DISB) has received 181 proposed health insurance plan rates for annual review in advance of open enrollment for plan year 2027. The proposed rates were submitted for DC Health Link, the District’s health insurance marketplace, from CareFirst BlueCross BlueShield, Kaiser Permanente, and UnitedHealthcare.
The proposed rates apply to individuals, families and small businesses for the 2027 plan year. The total number of plans submitted decreased from 194 for the 2026 plan year to 181 for the 2027 plan year. Small group plans decreased from 167 to 157, while individual plans decreased from 27 to 24.
Mending Health Notifies Maine Bureau of Insurance that it Will Cease Offering Health Insurance Plans
AUGUSTA, ME – Mending Health, formerly known as Taro Health, has notified the Maine Bureau of Insurance that it will no longer offer health insurance as of January 1, 2027.
Mending Health’s approximately 1,100 members will keep their health plans through the end of their existing plan year.
Individuals/families who obtained Mending coverage through CoverME.gov, or who purchased a plan directly from Mending Health, can select a new plan with another health insurance company during the annual open enrollment period beginning November 1, 2026. New coverage will take effect January 1, 2027.
CONNECTICUT INSURANCE DEPARTMENT RELEASES HEALTH INSURANCE RATE REQUEST FILINGS FOR 2027
The Connecticut Insurance Department (CID) has received rate filings from four health insurers for plans to be offered in the individual and small group markets, both on and off the state-sponsored exchange, Access Health CT . As part of CID’s statutory responsibilities, the CID will conduct a thorough and careful review of each filing to ensure compliance with Connecticut insurance laws and regulations.
The CID’s review process will examine each submission in detail, requiring insurers to provide justifications and supporting evidence for their requested rates. All filings are available on the CID’s website .
