From the Mouths of Actuaries: Analysis Dives Into Earliest ACA Rate Filings

With Affordable Care Act premium rate requests now filed for 2025, industry observers are eagerly awaiting data from the federal government detailing how exchange insurers are pricing their health plans. In the meantime, a new analysis that combs through some of the earliest rate filings offers insights into the various factors insurers and their actuaries are considering.  

“One piece of good news is that there’s just not the turbulence that we’ve seen in past years,” Sabrina Corlette, co-founder of the Georgetown University Center on Health Insurance Reforms (CHIR), tells AIS Health, a division of MMIT. In a July 29 CHIR blog post, Corlette detailed what she learned from a deep dive into insurers’ rate requests in Maine, Maryland, Oregon, Vermont and Washington, D.C. — states where regulators require health plans to submit their rate filings one to two months before the July 17 federal deadline that applies to most states.