Alabama: *Preliminary* avg. unsubsidized 2025 #ACA rate changes: -3.1% (unweighted)

The good news is that RateReview.HealthCare.Gov has posted the preliminary 2025 rate filing summaries for every state, making it much easier to pin down which carriers are actually participating in the individual & small group markets next year, as well as what the carriers average requested rate changes are in states which don't publish that data publicly (or which make it difficult to track down if they do).

The bad news is that in many of those states, acquiring the actual enrollment data is even more difficult, as their rate filings tend to be heavily redacted. Alabama falls into this category. As a result, I can only run unweighted average rate changes for the individual market, which once again consists of three insurance carriers: Blue Cross Blue Shield of AL, Celtic Insurance Co. (which is actually owned by Centene, which also owns Ambetter), and UnitedHealthcare Insurance Co. As it happens, the unweighted rate change is a reduction of 3.1%, making this the second year in a row that Alabama's ACA rates will be decreasing, which is interesting.

For the small group market, the unweighted average is a 12.2% increase, although interestingly three of the small group carriers include customer summaries which list their total enrollment. Unfortunately, the fourth one (BCBSAL, which is also likely the largest player) doesn't, which means I still only have the unweighted average to work with.