A look at 2015 individual market health insurance rate filings

As open enrollment for the second year of the Affordable Care Act’s health coverage expansion begins, a clearer picture of 2015 health insurance rates has emerged.  As of November 11, thirteen states—Colorado, Delaware, Maryland, Michigan, Montana, Nevada, New York, Ohio, Oregon, Rhode Island, South Dakota, Vermont, and Washington—as well as the District of Columbia announced approved rates for both on-exchange and off-exchange health plans on the individual market. In total, HRI has collected data from 48 states and the District of Columbia.

Among the thirteen states and DC with final rate announcements, the average premium (across metal tiers and ages) is about $363, and the average premium increase from 2014 is 3.4%. By contrast, the average premium increase across all reporting states is 5.2%, and the average premium is $386.

Though average rate increases hover in the single-digit range, actual changes and premium prices vary significantly across states. In states with approved rates, average rates range from a 22% decrease to a 35% increase (in Colorado).

Click on individual states in the map to pull up details on 2015 premium rate filings.

Average Premium Increase
Limited information available
Data not available

Data as of November 11, 2014.

State has approved all rate filings

** Louisiana is only reporting bids from insurers that are requesting 10% and higher rate increases at this time.
*** California is reporting a 4.2% weighted average premium rate increase for on-exchange plans only.
**** Arkansas reports a 2% average premium rate decrease on its health insurance marketplace, which includes the private option for Medicaid-eligible individuals.
***** Montana's published rates includes individual, on-exchange plans only (i.e., 4 of 5 plans in state's 2015 individual market).
****** New York is reporting a 5.7% average premium rate increase for insurers both on- and off-exchange.
******* Ohio's Department of Insurance published average rate data for the federal exchanges in an article on its website.
******** Minnesota is reporting an average rate increase of 4.5% for the four companies returning to MNsure (on-exchange plans only) in 2015.
********* Nebraska's Department of Insurance reports a sampling of 2015, on-exchange rates.
********** Oregon's Department of Insurance reports average 2015 premiums for a single, 40-year-old non-tobacco user who selects a standard silver plan.
*********** State's premium information is available via Healthcare.gov for on-exchange plans only.


PwC’s Health Research Institute (HRI) prepared an analysis of premium rate filings for the individual health insurance market for 2015, both on- and off-exchange, based on publicly available health insurance rate filings and other public data.

The figures shown for each state on the map are simple averages (e.g. average premium rate; overall rate increase) using data reported by insurance carriers in their rate filings. It should be noted that these averages would include the impact from multiple factors, including metal level/plan design, age, and geography, on health insurance plan premiums. At present, certain states are only reporting partial information about next year’s rates, and others are only reporting percentages that rates will change without sharing actual premium data. Unless otherwise noted, only individual health insurance filings containing rate information have been included in this analysis.