ACA Rate Tracker Proposed & final health insurance rate changes · Individual market · plan year —

Valhalla Business Advisors
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Median proposed change
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States reporting
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Carriers tracked
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Filed range (carrier averages)

Click a state on the map to see its carrier-level filings.

How steep are the changes? Carrier filings by size of increase

Sources: CMS Unified Rate Review public data (ratereview.healthcare.gov); early-season preliminary figures compiled from state insurance department filing postings (linked per carrier). Checked daily. State figures are the median and range of carrier-level average rate changes as filed; they are not enrollment-weighted. Proposed rates may change during state regulatory review. Informational only — not insurance, legal, or tax advice.
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Methodology & notes

  • Source: CMS Unified Rate Review public data (ratereview.healthcare.gov), the federal system where insurers' single-risk-pool rate filings are posted for the Individual and Small Group markets. This tracker checks for new and updated filings daily.
  • Proposed vs. final: insurers file proposed changes first (posted in early August for the following plan year); state regulators review and finalize them in late summer and fall. Each carrier row is labeled Proposed or Final, and finals replace proposed figures automatically.
  • State figures are the median and range of carrier-level average rate changes as filed. They are not enrollment-weighted (enrollment weights are not in the public data), so a small carrier counts the same as a large one in the median.
  • Carrier averages reflect each insurer's average change across its plans; the lowest/highest plan columns show the spread within that carrier's filing.
  • Some states run their own rate review portals; timing of when their filings reach the federal system can vary. This tool is informational only and is not insurance, legal, or tax advice.