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    Pennsylvania Insurance Department

    ​​​​​​​​Archived 2025 Affordable Care Act Health Rate Filings

    ​Individual Market Plans​​​

    ​​​Company NameTracking #​Available on Pennie Marketplace®
    		Requested Rate %Approved Rate %Plan
    Availability​*
    		​​Market Share in 2024†
    		Initial Rate Change Request​Final Rate Chang​e Decision
    Capital Advantage AssuranceCABC-134076960Yes​6.54%7.59%Rating Areas
    6, 7, 9​    		10.50%Capital Advantage Assurance Initial Rate Change RequestCapital Advantage Assurance Final Rate Change Decision​​​
    Keystone Health Plan CentralCABC-134107611No​15.20%13.45%Rating Areas
    6, 7, 9​    		0.11%Keystone Health Plan Central Initial Rate Change RequestKeystone Health Plan Central Final Rate Change Decision​
    ​Highmark, Inc.​HGHM-134061483​Yes
    		8.76%​7.81%Rating Areas
    1, 2, 4, 5, 6, 7, 9    		14.37%​Highmark Initial Rate Change RequestHighmark Final Rate Change Decision​
    ​Highmark Benefits GroupHGHM-134061480​Yes
    		12.76%10.41%

    Rating Areas
    3, 8

     

    		4.85%​Highmark Benefits Group Initial Rate Change RequestHighmark Benefits Group Final Rate Change Decision​
    ​Highmark Coverage AdvantageHGHM-134061466Yes​12.96%9.21%

    ​​​Rating Areas
    1, 4

     

    		5.20%​Highmark Coverage Advantage Initial Rate Change RequestHighmark Coverage Advantage Final Rate Change Decision​
    ​Geisinger Health Plan​GSHP-134083328Yes​11.24%​10.10%

    Rating Areas
    2, 3, 5, 6, 7, 9​​

     

    		3.25%​Geisinger Health Plan Initial Rate Change RequestGeisinger Health Plan Final Rate Change Decision​
    ​Geisinger Quality Options​GSHP-134083390​Yes
    		7.39%6.33%

    ​Rating Areas
    2, 3, 5, 6, 7, 9

     

    		0.67%​Geisinger Quality Options Initial Rate Change Request​
    		Geisinger Quality Options Final Rate Change Decision​
    ​Keystone Health Plan EastINAC-134056069​Yes
    		8.83%​5.38%Rating Area
    8
    		24.60%​Keystone Health Plan East Initial Rate Change Request​Keystone Health Plan East Final Rate Change Decision
    ​​QCC Insurance​INAC-134056107Yes​8.61%​5.46%​Rating Area
    8​    		​6.79%QCC Insurance Initial Rate Change Request​QCC Insurance Final Rate Change Decision​
    UPMC Health Coverage, Inc.UPMC-134082103Yes​7.02%5.74%Rating Areas
    1, 5    		0.42%UPMC Health Coverage Initial Rate Change RequestUPMC Health Coverage Final Rate Change Decision​
    UPMC Health Options, Inc.UPMC-134082071​Yes
    		4.83%3.90%Rating Areas
    1, 2, 3, 4, 5, 9    		21.03%UPMC Health Options Initial Rate Change RequestUPMC Health Options Final Rate Change Decision​
    ​PA Health & Wellness​CECO-134068773Yes​6.21%​1.88%​​​Rating Areas
    1, 2, 3, 4, 5, 6, 7, 8    		​5.83%PA Health & Wellness Initial Rate Change RequestPA Health & Wellness Final Rate Change Decision​
    ​Oscar Health Plan of PA​OHIN-134107350​Yes
    		4.40%​4.81%​​Rating Areas
    3, 6, 7, 8    		0.56%​​Oscar Health Plan of PA Initial Rate Change Request​​Oscar Health Plan of PA Final Rate Change Decision
    Health Partners Plans, Inc.​HEAL-134081943Yes​2.85%​2.40%​​Rating Areas
    6, 8​    		​1.83%Health Partners Plans Initial Rate Change Request​​Health Partners Plans Final Rate Change Decision​
    ​Partners Insurance, Inc.​PICI-134098077Yes​​0.00%0.00%​​Rating Area
    6​
    		​0.00%Partners Insurance Initial Rate Change Request​​​Partners Insurance Company Final Rate Change Decision

    ​​Small Group Market Plans

    ​​​Company NameTracking #Requested Rate %Approved Rate %Plan
    Availability*
    		​​Market Share in 2024†​
    		Initial Rate Change Request​Final Rate Chang​e Decision
    ​Capital Advantage Assurance​CABC-1340951756.71%7.66%Rating Areas
    6, 7, 9    		8.61%​Capital Advantage Assurance Initial Rate Change Request​
    		Capital Advantage Assurance Final Rate Change Decision​
    Keystone Health Plan CentralCABC-134095176
    		6.81%
    		11.04%
    		Rating Areas
    ​​6, 7, 9    		​0.03%
    		Keystone Health Plan Central Initial Rate Change Request​Keystone Health Plan Central Final Rate Change Decision
    ​First Priority Life Insurance
    		​HGHM-134089349
    		​12.92%
    		8.56%

    Rating Area
    3

    		1.65%​​First Priority Life Insurance Initial Rate Change Request
    		​First Priority Life Insurance Final Rate Change Decision
    ​Highmark, Inc.
    		​HGHM-134081015
    		​8.44%
    		8.71%

    Rating Areas
    1, 2, 4, 5, 6, 7, 9

    		2.63%​​Highmark Initial Rate Change Request
    		Highmark Final Rate Change Decision​
    ​Highmark Benefits Group
    		​HGHM-134089375
    		​12.57%
    		10.21%

    ​Rating Areas
    6, 7, 9

    		6.57%​​Highmark Benefits Group Initial Rate Change Request
    		Highmark Benefits Group Final Rate Change Decision​
    ​Highmark Coverage Advantage
    		​HGHM-134080997
    		​9.48%
    		9.37%

    ​​Rating Areas
    1, 2, 4, 5, 6

    		​4.05%
    		​Highmark Coverage Advantage Initial Rate Change Request
    		Highmark Coverage Advantage Final Rate Change Decision​
    ​Highmark Senior Health
    		​HGHM-134089392
    		​4.82%
    		4.82%

    ​​Rating Area
    8

    		0.29%​​Highmark Senior Health Initial Rate Change Request
    		Highmark Senior Health Final Rate Change Decision​
    ​Geisinger Health Plan
    		​GSHP-134083482
    		​19.39%
    		19.32%

    ​Rating Areas
    2, 3, 5, 6, 7, 9​​

    		0.49%​​Geisinger Health Plan Initial Rate Change Request
    		Geisinger Health Plan Final Rate Change Decision​
    ​Geisinger Quality Options
    		​GSHP-134083517
    		​15.87%
    		​15.55%

    ​Rating Areas
    2, 3, 5, 6, 7, 9

    		2.32%​​Geisinger Quality Options Initial Rate Change Request
    		Geisinger Quality Options Final Rate Change Decision​
    Independence Assurance
    		INAC-134056112
    		7.17%
    		7.15%

    Rating Area
    8

    		20.42%​Independence Assurance Initial Rate Change Request
    		Independence Assurance Final Rate Change Decision​
    ​Keystone Health Plan East/AmeriHealth HMO, Inc.
    		​INAC-134056078
    		​7.01%
    		​6.99%

    ​Rating Area
    8

    		23.25%​​Keystone Health Plan East/AmeriHealth HMO Initial Rate Change Request
    		Keystone Health Plan East/AmeriHealth HMO Final Rate Change Decision​
    UnitedHealthcare of PA
    		UHLC-134100158
    		5.85%
    		6.45%
    		​Rating Areas
    All
    		​0.28%
    		UnitedHealthcare of PA Initial Rate Change Request
    		UnitedHealthcare of PA Final Rate Change Decision​
    UnitedHealthcare Insurance
    		UHLC-134100161
    		3.88%
    		4.49%
    		​Rating Areas
    ​All
    		3.33%​UnitedHealthcare Insurance Initial Rate Change Request
    		UnitedHealthcare Insurance Final Rate Change Decision​
    UPMC Health Benefits
    		UPMC-134078986
    		6.57%
    		6.24%

    Rating Areas
    1, 5

    		0.22%​UPMC Health Benefits Initial Rate Change Request
    		​UPMC Health Benefits Final Rate Change Decision
    UPMC Health Coverage, Inc.
    		UPMC-134078971
    		6.52%
    		6.17%

    Rating Areas
    1, 2, 4, 5

    		2.09%​UPMC Health Coverage Initial Rate Change Request
    		UPMC Health Coverage Final Rate Change Decision​
    UPMC Health Options, Inc.UPMC-1340789607.23%6.86%

    Rating Areas
    1, 2, 4, 5​​

    		23.76%​UPMC Health Options Initial Rate Change Request​​UPMC Health Options Final Rate Change Decision

    *Plan Availability: Counties marked purple indicate plan availability for both the 2024 and 2025 plan years.  Counties marked in light blue indicate plan availability is new for the upcoming 2025 plan year.
    ​
    ​​ † Individual Plan Market Share for 2024: Percentages are based on 501,240 total members as of 2024.

    ​§​ Small Group Plan Market Share for 2024: Percentages are based on 378,959 total members as of 2024.​