Rate Review
To stop spiraling health insurance rates, we urge state officials to review rate increases for reasonableness, disclose an insurer’s rate calculations, and give consumers a voice in the review process. Policyholders have saved millions in states with a strong rate review process. Use this information to push for a better rate review process in your own state.
Consumers Union Publications
- Summary of Rate Information on State Insurance Websites – December 2011
- Summary of PPACA Rate Increases as of December 2011
- Consumers Union Comments to Washington OIC on Time Insurance Company Rate Filing
- CU comment on HHS Rate Increase Disclosure and Review Reporting Requirements
- Health Insurance State Rate Review Toolkit
- Health Insurance Premiums: Rate Review Model Bill
- CU Comment on HHS Rate Increase Disclosure and Review
- How Much Is Too Much: Have Nonprofit Blue Cross Blue Shield Plans Amassed Excessive Amounts of Surplus?
- Steps need to be taken to rein in unreasonable increases of premiums
Blog Entries
- A missed opportunity to protect consumers
- Holding health insurance companies accountable
- Florida rebate decision coming soon; Tampa Bay news breaks down the issue
- Insurance Regulators Support Plan to Undermine Consumer Rebates
- Florida shouldn’t weaken a new rule that gives consumers more value for their health insurance premiums
- California: the fight for protections against excessive insurance rates will go on!
- More States Need Rate Review Like Oregon
- Are 40 states truly “effective” at protecting consumers from excessive rate hikes?
- State regulators’ vote puts a key consumer protection at risk
- Why Connecticut and every state needs stronger checks on premium hikes
- Say what? A health insurer is lowering premiums? Yes, thanks to an ACA rule that some lawmakers now want to gut
- Lessons from the Fight Against Blue Shield Rate Hikes
Other Resources
- HHS calls Trustmark’s rate increases in five states ‘unreasonable’
- Health Insurer Template for Justifying Rate Increases
- Obama administration rejects Republican states’ health law waiver requests
- Obama administration calls on health insurer to reduce rate hike
- Insurer profits at issue in Anthem Health Plans of Maine suit
- The Price of Deregulation: How “File and Use” Has Undermined New York State’s Ability to Protect Consumers from Excessive Health Insurance Premiums, New York State Insurance Department, June 8, 2009
- Kaiser Family Foundation, “Rate Review: Spotlight on State Efforts to Make Health Insurance More Af¬fordable,” December 2010
- “Health Policy Brief: ‘Unreasonable’ Insurance Rate Increases,” Health Affairs, March 31, 2011
Information by State
- Alabama – Health Insurance Premium Rate Review Law
- Alaska – Health Insurance Premium Rate Review Law
- Arizona – Health Insurance Premium Rate Review Law
- Arkansas – Health Insurance Premium Rate Review Law
- California Health Insurance Premium Rate Review Laws
- California: the fight for protections against excessive insurance rates will go on!
- Colorado – Health Insurance Premium Rate Review Law
- Connecticut – Health Insurance Premium Rate Review Laws
- Consumers Union Comments on Blue Shield of California’s March 2012 Rate Hikes
- DC – Health Insurance Premium Rate Review Law
- Delaware – Health Insurance Premium Rate Review Laws
- Delaware Online: Delawareans now will be privy to insurance rate review process
- Federal Health Reform Improves Rate Oversight
- Florida – Health Insurance Premium Rate Review Law
- Florida rebate decision coming soon; Tampa Bay news breaks down the issue
- Hawaii – Health Insurance Premium Rate Review Law
- Holding health insurance companies accountable
- Idaho – Health Insurance Rate Review Law
- Illinois – Health Insurance Premium Rate Review Law
- Iowa – Health Insurance Premium Rate Review Laws
- Kansas – Health Insurance Premium Rate Review Law
- Kentucky – Health Insurance Premium Rate Review Law
- Lessons from the Fight Against Blue Shield Rate Hikes
- Maine – Health Insurance Premium Rate Review Laws
- Maryland – Health Insurance Premium Rate Review Laws
- Michigan – Health Insurance Premium Rate Review Law
- Minnesota – Health Insurance Premium Rate Review Laws
- Missouri – Health Insurance Premium Rate Review Laws
- Montana – Health Insurance Premium Rate Review Laws
- More States Need Rate Review Like Oregon
- Nevada-Rate Review Law
- New Hampshire – Health Insurance Premium Rate Review Law
- New Jersey – Health Insurance Premium Rate Review Laws
- New Mexico – Health Insurance Premium Rate Review Laws
- New York – Health Insurance Premium Rate Review Laws
- North Carolina – Health Insurance Premium Rate Review Laws
- North Dakota – Health Insurance Premium Rate Review Laws
- Ohio – Health Insurance Premium Rate Review Law
- Oklahoma – Health Insurance Premium Rate Review Laws
- Oregon – Health Insurance Premium Rate Review Law
- Oregon – Insurance Division Lowers Premiums in Half of All Cases
- Pennsylvania – Health Insurance Premium Rate Review Law
- South Carolina – Health Insurance Premium Rate Review Laws
- South Dakota – Health Insurance Premium Rate Review Laws
- Tennessee – Health Insurance Premium Rate Review Laws
- Texas – Health Insurance Premium Rate Review Law
- Utah – Health Insurance Premium Rate Review Laws
- Vermont – Health Insurance Premium Rate Review Laws
- Washington – Health Insurance Premium Rate Review Laws
- Wisconsin – Health Insurance Premium Rate Review Laws
- Wyoming – Health Insurance Premium Rate Review Laws
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