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

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. The Regulatory approval meter near the top shows how much of the plan year has actually been approved; while that is under 100%, the medians and ranges on this page blend approved filings with still-requested ones, and the Show filter narrows the whole page to one or the other.
• “Δ vs. request” is the approved average change minus the requested one, reported in percentage points — a carrier that asked for +31.3% and was granted +27.9% shows −3.4 pts. It is not a percent change, and it is only shown once a filing is final. Where a carrier's requested figure is not published at all — some approved rates reach us from a state posting that carries only the approved number — the Requested cell reads not published and no delta is shown; we never substitute the approved figure for a request we do not have.
• Dates shown next to a Final label are when the filing's final status was posted — the status date the source publishes, or, where it does not, when this tracker first recorded the filing as final. They are not necessarily the date the regulator signed the order, which is why the page says “final status posted” rather than “approved on.” Where no date is available the clause is omitted rather than filled in from another timestamp, and a date span is shown only when every approved filing in that scope carries one.
• Coverage: the tracker follows the 51 jurisdictions that file rates — the 50 states plus the District of Columbia, which runs its own filing and review process. The “jurisdictions reporting” figure counts however many have posted filings for the plan year so far, so it climbs through the season rather than sitting at 51.
• Jurisdiction 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.
• Every headline range on this page — national, per jurisdiction, and in the map tooltip — is the spread of carrier averages, on one basis, so the figures are comparable with each other and with the histogram. The only plan-level numbers are the Lowest plan and Highest plan columns, which show the spread inside a single carrier's filing and will therefore run wider than the range above them. Sources that publish only a carrier average show not published in those two columns.
• 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.