Pennsylvania Insurance Department

​​​​​​​​Affordable Care Act Health Rate Filings

What are Rate Filings?

Insurance companies offering individual and small group health insurance plans in Pennsylvania must file proposed rates for the upcoming plan year.  We then review and approve those rates before plans can be sold to consumers.

How Are Rates Approved?

The goal of the rate review process is to ensure plans are priced appropriately and are not unfair or discriminatory.

During the review process, we consider the insurers' estimates of future costs, historical data, and forecasts for the upcoming year.   We also factor in other information, such as the insurer's revenues, actual and projected profits, past rate changes, and the effect the change will have on Pennsylvania consumers.

ACA-Related Rate Filings for 2026 Plan Year

You can review information on the inital requested rate and the approved rate filings for individual and small-group plans that comply with the Affordable Care Act. We will post the information as it becomes available.

The Requested Rate % is usually available in early August.  Once we have completed our review the Approved Rate % will be posted to the website, usually in October.

Consumers are invited to submit comments on any pending filings to ra-rateform@pa.gov. Comments submitted in writing may be posted to our website.​​

​Individual Market Plans​​​

Company NameTracking #​Available on Pennie® MarketplaceRequested Rate %Approved Rate %2025 Market SharePlan AvailabilityInitial Rate Change Request SummaryFinal Rate Change Decision Summary
Ambetter Health of Pennsylvania, Inc.CECO-134506033Yes30.08%37.85%10.63%Ambetter Health of Pennsylvania, Inc. Coverage MapAmbetter Health of Pennsylvania, Inc. Rate Change Request DetailsAmbetter Health of Pennsylvania, Inc. Rate Change Decision Details
Capital Advantage Assurance CompanyCABC-134505011Yes25.96%24.56%10.35%Capital Advantage Assurance Company Coverage MapCapital Advantage Assurance Company Rate Change Request DetailsCapital Advantage Assurance Company Rate Change Decision Details
Geisinger Health PlanGSHP-134496810Yes14.05%11.59%2.62%Geisinger Health Plan Coverage MapGeisinger Health Plan Rate Change Request DetailsGeisinger Health Plan Rate Change Decision Details
Geisinger Quality OptionsGSHP-134496843Yes16.23%13.77%0.61%Geisinger Quality Options Coverage MapGeisinger Quality Options Rate Change Request DetailsGeisinger Quality Options Rate Change Decision Details
Health Partners Plans, Inc.HEAL-134521220Yes7.27%16.67%3.03%Health Partners Plans, Inc. Coverage MapHealth Partners Plans, Inc. Rate Change Request DetailsHealth Partners Plans, Inc. Rate Change Decision Details
Highmark, Inc.HGHM-134504750Yes17.19%17.75%14.87%Highmark, Inc. Coverage MapHighmark, Inc. Rate Change Request DetailsHighmark, Inc. Rate Change Decision Details
Highmark Benefits GroupHGHM-134397666Yes17.93%18.37%5.38%Highmark Benefits Group Coverage MapHighmark Benefits Group Rate Change Request DetailsHighmark Benefits Group Rate Change Decision Details
Highmark Coverage AdvantageHGHM-134504774Yes14.06%14.48%5.51%Highmark Coverage Advantage Coverage MapHighmark Coverage Advantage Rate Change Request DetailsHighmark Coverage Advantage Rate Change Decision Details
Keystone Health Plan CentralCABC-134504929No27.87%22.41%0.08%Keystone Health Plan Central Coverage MapKeystone Health Plan Central Rate Change Request DetailsKeystone Health Plan Central Rate Change Decision Details
Keystone Health Plan EastINAC-134505843Yes23.46%22.04%20.87%Keystone Health Plan East Coverage MapKeystone Health Plan East Rate Change Request DetailsKeystone Health Plan East Rate Change Decision Details
Oscar Health Plan of PAOHIN-134536199Yes22.00%23.12%0.46%Oscar Health Plan of PA Coverage MapOscar Health Plan of PA Rate Change Request DetailsOscar Health Plan of PA Rate Change Decision Details
Partners Insurance Company, Inc.PICI-134521223Yes-10.06%-10.12%0.02%Partners Insurance Company, Inc. Coverage MapPartners Insurance Company, Inc. Rate Change Request DetailsPartners Insurance Company, Inc. Rate Change Decision Details
QCC Insurance CompanyINAC-134505902Yes16.73%15.18%5.57%QCC Insurance Company Coverage MapQCC Insurance Company Rate Change Request DetailsQCC Insurance Company Rate Change Decision Details
UPMC Health Options, Inc.UPMC-134504074Yes11.74%20.18%19.63%UPMC Health Options, Inc. Coverage MapUPMC Health Options, Inc. Rate Change Request DetailsUPMC Health Options, Inc. Rate Change Decision Details
UPMC Health Plan, Inc.UPMC-134504084Yes16.28%24.78%0.36%UPMC Health Plan, Inc. Coverage MapUPMC Health Plan, Inc. Rate Change Request DetailsUPMC Health Plan, Inc. Rate Change Decision Details

​​Small Group Market Plans

Company NameTracking #​Available on Pennie® MarketplaceRequested Rate %Approved Rate %2025 Market SharePlan AvailabilityInitial Rate Change Request SummaryFinal Rate Change Decision Summary
Capital Advantage Assurance CompanyCABC-134521147No14.82%14.75%7.96%Capital Advantage Assurance Company Coverage MapCapital Advantage Assurance Company Rate Change Request DetailsCapital Advantage Assurance Company Rate Change Decision Details
Geisinger Health PlanGSHP-134496850No11.41%11.27%0.74%Geisinger Health Plan Coverage MapGeisinger Health Plan Rate Change Request DetailsGeisinger Health Plan Rate Change Decision Details
Geisinger Quality OptionsGSHP-134496881No12.53%12.39%2.49%Geisinger Quality Options Coverage MapGeisinger Quality Options Rate Change Request DetailsGeisinger Quality Options Rate Change Decision Details
Highmark, Inc.HGHM-134511843No15.71%14.64%3.05%Highmark, Inc. Coverage MapHighmark, Inc. Rate Change Request DetailsHighmark, Inc. Rate Change Decision Details
Highmark Benefits GroupHGHM-134511839No16.56%15.64%6.06%Highmark Benefits Group Coverage MapHighmark Benefits Group Rate Change Request DetailsHighmark Benefits Group Rate Change Decision Details
Highmark Care BenefitsHGHM-134533374No22.45%21.85%1.76%Highmark Care Benefits Coverage MapHighmark Care Benefits Rate Change Request DetailsHighmark Care Benefits Rate Change Decision Details
Highmark Coverage AdvantageHGHM-134511838No16.89%15.95%4.85%Highmark Coverage Advantage Coverage MapHighmark Coverage Advantage Rate Change Request DetailsHighmark Coverage Advantage Rate Change Decision Details
Highmark Senior Health CompanyHGHM-134511852No12.26%12.26%1.42%Highmark Senior Health Company Coverage MapHighmark Senior Health Company Rate Change Request DetailsHighmark Senior Health Company Rate Change Decision Details
Independence Assurance CompanyINAC-134505954No11.01%10.74%21.09%Independence Assurance Company Coverage MapIndependence Assurance Company Rate Change Request DetailsIndependence Assurance Company Rate Change Decision Details
Keystone Health Plan CentralCABC-134521164No17.64%17.58%0.04%Keystone Health Plan Central Coverage MapKeystone Health Plan Central Rate Change Request DetailsKeystone Health Plan Central Rate Change Decision Details
Keystone Health Plan East/AmeriHealth HMO Inc.INAC-134505935No16.67%16.37%22.92%Keystone Health Plan East/AmeriHealth HMO Inc. Coverage MapKeystone Health Plan East/AmeriHealth HMO Inc. Rate Change Request DetailsKeystone Health Plan East/Amerihealth HMO Inc. Rate Change Decision Details
UnitedHealthcare Insurance CompanyUHLC-134527089No10.72%7.90%2.56%UnitedHealthcare Insurance Company Coverage MapUnitedHealthcare Insurance Company Rate Change Request DetailsUnitedHealthcare Insurance Company Rate Change Decision Details
UnitedHealthcare of PAUHLC-134527065No19.97%12.60%0.22%UnitedHealthcare of PA Coverage MapUnitedHealthcare of PA Rate Change Request DetailsUnitedHealthcare of PA Rate Change Decision Details
UPMC Health BenefitsUPMC-134504294No6.54%6.54%0.15%UPMC Health Benefits Coverage MapUPMC Health Benefits Rate Change Request DetailsUPMC Health Benefits Rate Change Decision Details
UPMC Health Options, Inc.UPMC-134504266No8.88%8.88%22.60%UPMC Health Options, Inc. Coverage MapUPMC Health Options, Inc. Rate Change Request DetailsUPMC Health Options, Inc. Rate Change Decision Details
UPMC Health Plan, Inc.UPMC-134504308No8.22%8.22%2.08%UPMC Health Plan, Inc. Coverage MapUPMC Health Plan, Inc. Rate Change Request DetailsUPMC Health Plan, Inc. Rate Change Decision Details