In the most recent chapter of the ongoing 2026 Arkansas rate filing saga, I noted that both the total number of residents enrolled in ACA individual market policies as well as the average 2026 rate increases for the six insurance carriers participating in the individual market next year kept changing, often in ways which were contradictory with other numbers claimed within the same press releases:
You'll notice that in addition to the rate changes being updated (increasing from a weighted average hike of 26.2% to 35.7%), most of the current enrollee figures were also modified, although these only changed slightly in most cases. Overall the total number of current individual market enrollees statewide dropped a bit from ~354,000 to ~345,000.
Minor changes like this aren't unusual; sometimes the carriers make slight tweaks as more recent data comes in or clerical errors are corrected; other times they round off the enrollee totals (that doesn't seem to be the case here, however).
Iowa Code §505.19 requires the Commissioner to hold a public hearing on a proposed individual health insurance rate increase which exceeds the average annual health spending growth rate as published by the Centers for Medicare and Medicaid Services of the United State Department of Health and Human Services. For 2026 the growth rate is 5.6%.
The Iowa Insurance Commissioner will hold a public hearing regarding the relevant rate increases on August 19, 2025.
The purpose will be to hear public comments on the proposed increase in the base premium rate. Consumers wishing to make a public comment at the hearing are encouraged to attend the hearing via the live webcast.
All comments received will be considered public records and will be posted here. The Consumer Advocate will present the public comments received at the hearing.
Iowa has around 136,000 residents enrolled in ACA exchange plans, 88% of whom are currently subsidized. I estimate they also have another ~9,600 unsubsidized off-exchange enrollees.
A Washington Post poll conducted on Oct. 1, the first day of the shutdown, found that 47% of U.S. adults blame Trump and Republicans in Congress, while 30% blame Democrats and 23% said they're not sure.
The survey found that independents blamed Trump and Republicans over Democrats by a wide margin of 50% to 22%. And one-third of Republicans were either unsure who to blame (25%) or blamed their party (8%).
Federal subsidies that reduce the cost of Affordable Care Act health insurance plans are scheduled to end at the end of this year. Should these subsidies...
Federal policy shifts drive higher 2026 rates for individual and small group health plans
State actions blunt increases tied to the reconciliation bills and policy direction of the federal government
St. Paul, MN: Health insurers have submitted their proposed increased rates to the Minnesota Department of Commerce for 2026 plans available to Minnesotans who buy individual or small group health insurance through MNsure or directly through insurers. These proposed rates apply to coverage starting Jan. 1, 2026, with open enrollment beginning Nov. 1, 2025.
The Department of Insurance receives preliminary health plan information for the following year from insurance carriers by June 1 and reviews the proposed plan documents and rates for compliance with Idaho and federal regulations.The Department of Insurance does not have the authority to set or establish insurance rates, but it does have the authority to deem rate increases submitted by insurance companies as reasonable or unreasonable. After the review and negotiation process, the carriers submit their final rate increase information. The public is invited to provide comments on the rate changes. Please send any comments to Idaho Department of Insurance.
Back in July, I warned that my original projections from earlier in the year of how much net ACA enrollee premiums will increase starting in January 2026 in all 50 states +DC if the enhanced premium tax credits are allowed to expire would have to be revised & updated due to two major changes which had taken place since then:
OK, this is a bit embarrassing, but I just realized that the last time I wrote anything significant about about Illinois joining 20 other states in moving off of the federally-facilitated ACA marketplace (HealthCare.Gov) onto their own fully state-based platform (Get Covered Illinois) was nearly 2 1/2 years ago, when the state legislature passed the bill and Gov. Pritzker signed it into law!
For obvious reasons it feels a little weird to be writing about it at this particular moment in time, but the fact remains that yes, Illinois will be making the move starting November 1st, 2025. Here's a formal press release from August:
Get Covered Illinois Transitions to a State-Based Marketplace this November
Company’s HR Manager Really Pushing Infinite-Deductible Health Care Plan
During a meeting with new hires Wednesday to discuss employee benefits, Radian Analytics human resources manager Ellen Schultz is said to have strongly pushed the company’s infinite-deductible health care option.
According to sources in attendance, Schultz described the low-premium, infinite-deductible plan as the simplest and most convenient choice available to employees, and said it works the same whether plan members need to visit their primary care physician, fill a prescription, or be admitted to a hospital, allowing them in each case to pay 100 percent of the incurred medical expenses.
It's been awhile since I've done one of these, but let's go through his entire post point by point, shall we?
Ronald Reagan once quipped that “nothing lasts longer than a temporary government program.”
He could have been talking about the effort to extend — for a second time — former President Joe Biden’s Affordable Care Act-enhanced tax credits, a set of extremely generous federal health insurance subsidies intended to help Americans get through the COVID-19 crisis.
Stop right there: The "extremely generous" subsidies which he refers to are actually far less generous for higher-income enrollees than employer-sponsored insurance tax exclusions.
