Originally posted 7/21/25; See important updates below.

It's a little awkward to try & pull quotes from Georgia's actuarial memos because they're heavily redacted (see attachments below), but fortunately I also have access to other "just the facts" filing documents which include the hard data I need to compile my weighted averages. These forms--officially called "Rate Filing Transmittal Form LH-T1" and "Unified Rate Review" forms--include, among lots of other numbers, the preliminary avg. rate change being requested for the carrier's individual (or small group) market plans, as well as the number of current effectuated enrollees they have.

In addition, I have alternate rate filings for Georgia individual market carriers which specifically state what their requested rate changes would be if the enhanced premium tax credit subsidies provided by the American Rescue Plan Act & Inflation Reduction Act were to be extended for at least one more year, providing a clear apples to apples comparison.

originally posted 6/23/25

via the Illinois Dept. of Insurance:

Affordable Care Act (ACA) - Illinois Rate Filings

The chart below contains proposed rates for Plan Year 2026, which will be reviewed for compliance with federal and state requirements.

Please submit any comments on the initially proposed Plan Year 2026 rates to DOI.HealthRateReview@illinois.gov by July 11, 2025.

The good news is, the Illinois Insurance Dept. now provides a handy, simple table with the actual average rate changes as well as direct links to the actuarial memos & other filing forms for every carrier, which made it easy for me to plug in the effectuated enrollment & calculate the weighted average rate hikes for every carrier in both the individual and small group markets.

The bad news is, some of the actuarial memos themselves are heavily redacted, meaning I'm unable to see how much of the rate hikes are due to the IRA subsidies expiring, CSR payments being reinstated or Trump's tariffs.

originally posted 7/17/25

via the Iowa Insurance Division:

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.

Originally posted 8/04/25

via the Pennsylvania Insurance Dept:

Pennsylvanians can submit comments on rate requests and filings through September 2

Harrisburg, PA – The Pennsylvania Insurance Department (PID) today announced that the 2026 rate changes requested by insurance companies currently operating in Pennsylvania’s individual and small group markets are now available. On average, all Pennsylvania health insurers are requesting premium increases in plan year 2026: 19% increase to premiums in the individual market (for people who buy their own insurance), and a 13% increase to premiums in the small group market (for small businesses). 

Originally posted 6/11/25

via the Maine Bureau of Insurance:

Each year insurers that sell Individual and Small Group plans in Maine's pooled risk market must submit their proposed forms and rates to the Bureau of Insurance, using the System for Electronic Rate and Form Filing (SERFF). Details of the filings submitted to the state since June 10, 2010 can be viewed in the system.

Anthem Health Plans of Maine:

The proposed rates have been developed from 2024 Individual and Small Group ACA combined experience, and the proposed average annual rate change at the Merged Market level is 18.0%.

The proposed annual rate changes by product for Individual range from 17.9% to 20.6%, with rate changes by plan from 10.1% to 30.0%. These ranges are based on the renewing plans, and are consistent with what is reported in the Unified Rate Review Template. Exhibit A shows the rate change for each plan.

Factors that affect the rate changes for all plans include:

Originally posted 8/7/25

Overall preliminary rate changes via federal Rate Review database.

Antidote Health Plan of AZ:

(Unfortunately, no rate justification summary is available, and the full actuarial memo is heavily redacted. Policy enrollees are estimated based on marketwide estimated enrollment; see below.)

Banner/Aetna CVS:

(Dropping out of the individual market for 2026.)

I am writing to notify the Department that Banner Health and Aetna Health Plan Inc. (“Banner | Aetna”) will exit the individual health insurance market effective December 31, 2025. This notification is sent pursuant to Department guidance and Arizona statute 20-1380(D)(1). We made this decision after careful consideration and after evaluating the evolution of business at Banner | Aetna. The details of our individual market exit include the following:

Connecticut

originally posted 6/7/25

via the Connecticut Insurance Dept:

The Connecticut Insurance Department has posted the initial proposed health insurance rate filings for the 2026 individual and small group markets. There are 8 filings made by 7 health insurers for plans that currently cover approximately 224,000 people (158,000 individual and 66,000 small group).

Anthem has filed rates for both individual and small group plans that will be marketed through Access Health CT, the state-sponsored health insurance exchange. ConnectiCare Benefits Inc. (CBI) and ConnectiCare Insurance Company, Inc. have filed rates for the individual market on the exchange.

Before I continue, note that yes, I'm aware the 17.8% average shown below doesn't match the 22.9% average in the headline above. There's a reason for this which should be obvious if you read on:

The 2026 rate proposals for the individual and small group market are on average higher than last year:

Originally posted 8/08/25

Overall preliminary rate changes via the SERFF database, New Hampshire Insurance Dept. and/or the federal Rate Review database.

Anthem Health Plans of NH (BCBS)

(Unfortunately, Anthem has redacted their current enrollment total; see below)

This is a rate filing for the Individual market ACA-compliant plans offered by Anthem Health Plans of New Hampshire, Inc., also referred to as Anthem. The policy forms associated with these plans are listed below. The proposed rates in this filing are for a new HMO product that will be effective for the 2026 plan year beginning January 1, 2026, and apply exclusively to off-exchange plans.

It was just a couple of weeks ago that the official (if preliminary) 2026 ACA individual market rate filings for Wyoming insurance carriers went live on the federal rate review website.

I published a writeup about these just 3 days ago; unlike some states, Wyoming was pretty easy to break out as they only have three carriers on the indy market, all of which also made their current enrollment data easy to find.

The landscape isn't pretty: BCBS is seeking average rate increases of 20.7%; UHC wants 29.1%, and Mountain Health Co-Op, which has around 9,600 enrollees, was asking for a whopping 32% average premium hike.

Keep in mind that Wyoming already has among the most expensive individual market policies in the country, with premiums averaging over $1,000/month.

8/15/25: See important update below re. total enrollment

Overall preliminary rate changes via the Florida Office of Insurance Regulation and/or the federal Rate Review database.

Aetna Health inc:

(Aetna/CVS announced last spring that they're pulling out of the individual market in EVERY state in 2026.)

AmeriHealth Caritas Florida:

Amerihealth Caritas Florida, Inc. (AHC) has offered comprehensive and fully insured coverage to members in the individual ACA market since 2023. AHC is filing a rate increase for 2026 products. The plans associated with this filing will be offered both on and off the Federally Facilitated Marketplace (FFM) in Florida.

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