Charles Gaba's blog

Originally posted 7/18/25; see important updates below.

via the Indiana Dept. of Insurance:

Rate Watch is a convenient way for Hoosiers to access key data on Accident and Health rate filings submitted to the IDOI on or after May 1, 2010. Use it to determine which companies have requested rate changes, their originally requested overall % rate change, and the overall final % rate change approved. These are overall rate changes and are not individually specific. The table below is searchable and sortable. You can also download your filtered results by pressing the Save Excel File button at the bottom of the table. If you need the full data set, including a few additional columns, you can download the CSV file.

...INDIANA 2026 ACA FILINGS

Originally posted 8/8/25

Overall preliminary rate changes via the SERFF database, Alabama Insurance Dept. and/or the federal Rate Review database.

Blue Cross Blue Shield of AL

The average rate increase included in this filing is 19.3%, affecting over 210,000 members.

The main factors driving the need for this increase are:

• Alabama market membership loss and remaining members projected to be less healthy following expiration of enhanced premium subsidies in place since 2021
• Projected claim cost trends are higher for 2025 than anticipated in the 2025 filing and are projected to continue into 2026
• Administrative costs increased in 2025 and are expected to rise further in 2026 due to new eligibility and billing rules, along with a higher Exchange User Fee

...Expiring Enhanced Advance Premium Tax Credits

Originally posted 1/30/25

Vermont has around ~32,000 residents enrolled in ACA exchange plans, 93% of whom are currently subsidized. I estimate they also have another ~2,000 unsubsidized off-exchange enrollees.

Combined, that's ~35,000 people, although the official carrier rate filings claim it's more like 36,000 statewide.

Originally posted 12/12/24

Washington State has around ~308,000 residents enrolled in ACA exchange plans, 73% of whom are currently subsidized. I estimate they also have another ~29,000 unsubsidized off-exchange enrollees.

Combined, that's ~338,000 people, although assuming the national average 6.6% net enrollment attrition rate applies, current enrollment would be back down to more like 310,000 statewide.

Originally posted 1/07/25

Tennessee has around ~642,000 residents enrolled in ACA exchange plans, 95% of whom are currently subsidized. I estimate they also have another ~9,000 unsubsidized off-exchange enrollees.

Combined, that's ~652,000 people, although assuming the national average 6.6% net enrollment attrition rate applies, current enrollment would be back down to more like 609,000 statewide.

Originally posted 12/17/24

Utah has around ~421,000 residents enrolled in ACA exchange plans, 95% of whom are currently subsidized. I estimate they also have another ~17,000 unsubsidized off-exchange enrollees.

Combined, that's ~438,000 people, although assuming the national average 6.6% net enrollment attrition rate applies, current enrollment would be back down to more like 410,000 statewide.

Originally posted 12/15/24

Rhode Island has around ~42,000 residents enrolled in ACA exchange plans, 88% of whom are currently subsidized. I estimate they also have another ~3,000 unsubsidized off-exchange enrollees.

Combined, that's ~45,000 people, although assuming the national average 6.6% net enrollment attrition rate applies, current enrollment would be back down to more like 42,000 statewide.

Originally posted 2/4/25

West Virginia has ~67,000 residents enrolled in ACA exchange plans, 97% of whom are currently subsidized. They also have an unknown number of off-exchange enrollees (likely only a few thousand at most).

Originally posted 12/30/24

New Jersey has around ~513,000 residents enrolled in ACA exchange plans, 85% of whom are currently subsidized. I estimate they also have another ~76,000 unsubsidized off-exchange enrollees.

Combined, that's ~590,000 people, although assuming the national average 6.6% net enrollment attrition rate applies, current enrollment would be back down to more like 550,000 statewide.

Originally posted 1/26/25

Illinois has around ~466,000 residents enrolled in ACA exchange plans, 90% of whom are currently subsidized. I estimate they also have another ~57,000 unsubsidized off-exchange enrollees.

Combined, that's ~523,000 people, although assuming the national average 6.6% net enrollment attrition rate applies, current enrollment would be back down to more like 488,000 statewide.