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.
Thanks to New Mexico backfilling 100% of ALL lost federal tax credits for EVERY ACA exchange enrollee in the state who was eligible for subsidies last year, their average monthly enrollment total is actually higher than it was in 2025 in spite of Congressional Republicans allowing the enhanced federal subsidies to expire at the end of 2025. Initial signups during Open Enrollment were actually up a whopping 18% vs. OEP 2025.
Even so, effectuated enrollment has still gradually declined over the course of the year so far...from 15% higher year over year in January to just 0.5% higher as of July...and this month it actually slipped slightly below the August 2025 tally (New Mexico is one of a handful of states which provide timely, monthly effectuated enrollment data reports).
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 .
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.
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
The past couple of weeks have been pretty brutal for the Oregon health insurance market.
On May 21st, Providence Health Plan announced that they were shutting down pretty much their entire insurance division across Oregon (which also impacts some people in Washington and California):
Providence Health & Services plans to exit most of its Oregon health insurance business next year, citing rising costs, tougher regulation and intensifying competition from national insurers — a move that will force hundreds of thousands of Oregonians to find new coverage.
...Providence Health Plan, based in Portland, is Oregon’s third-largest health insurer, covering more than 421,000 Oregonians. It also covers over 13,000 members in Washington and 4,800 in California.
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.
Every year around this time I start my annual individual & small group market rate filing analysis project. This involves spending months painstakingly tracking every insurance carrier rate filing for the upcoming year to determine just how much average insurance policy premiums on the individual market are projected to change.
Carriers tendency to jump in and out of the market, repeatedly revise their requests, and the confusing blizzard of actual filing forms sometimes make it next to impossible to find the specific data I need.
The actual data I need to compile my estimates are actually fairly simple, however. I really only need three pieces of information for each carrier:
ACA exchange enrollment has dropped by more than 10% in Florida since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year.
Initial signups during Open Enrollment were only down 4% vs. OEP 2025...but effectuated enrollment was 7.7% lower year over year in January, rising to 10.3% lower as of February.
That's over 440,000 Floridians who already lost healthcare coverage in just the first two months of the year...a number which has likely continued to climb since then.
Here's what this looks like visually, with both 2025 and 2019 (the last pre-COVID year, which didn't include the enhanced subsidies) included for comparison:
