State of Connecticut
 
Connecticut Insurance Department

Health Insurance Rate filings for 2019

The Connecticut Insurance Department is reviewing 14 health insurance rate filings for the 2019 individual and small group markets. The filings were made by 10 health insurers for plans that currently cover about 293,000 people.

Two carriers – Anthem and ConnectiCare Benefits Inc. (CBI) – have filed rates for both individual and small group plans that will be marketed through Access Health CT, the state-sponsored health insurance exchange.

The 2019 proposed rate increases for both the individual and small group market are, on average lower, than last year:

  • The proposed average individual rate increase request is 12.3 percent and ranges from -10.9 percent to 31.0 percent. This compares to the average increase request of 25.51 percent requested last year.
  • The proposed average small group rate increase request is a 10.22 percent and ranges from -5.0 percent to 21.1 percent. This compares to the average increase request of 18.06 percent requested last year.

In their rate filings, carriers have attributed the increases to:

  • Trend: Trend is a factor that accounts for rising health care costs, including the cost of prescription drugs, and the increased demand for medical services.
  • Uncertainty in Washington:
    • Removal of penalty for individual mandate: The elimination of the penalty means that individuals who are typically younger and healthier would have no inducement to participate in the insurance pool, which could further destabilize the market. Lack of participation shrinks the pool and increases the cost of insurance to the remaining members.
    • Short-duration health plans and Association Health Plans: Still pending are final federal regulations on non-ACA compliant short-duration plans, which may have implications for the ACA risk pool. Also, Connecticut along with other state insurance regulators, are awaiting clarification from the federal government on new federal regulations allowing association health plans, which could further shrink the ACA risk pool.

What’s Next

  • The Insurance Department will conduct actuarial reviews on each filing to determine if they are justified and will either approve, reject or modify the request.
  • The 30-day public comment period on all filings begins today (July 20) and comments can be filed online through the link that accompanies every filing or can be delivered to the Connecticut Insurance Department at P.O. 816, Hartford, CT 06142-0816.
  • An informational hearing on the filings will be held September 5 at 10 a.m. at the Insurance Department.
  • The Department expects to make final rulings on the proposals in September. Open enrollment for the 2019 coverage year begins November 1, 2018.

The following is a list of Connecticut health insurance rates proposals for the 2019 coverage year. The rates proposals are for individual and small group non-grandfathered plans that will be offered in Connecticut both on and off the exchange.

  • Click here for 2019 Rate Filings Chart
  • Click "Select" to view and COMMENT on the individual filing, which includes the initial filing and an executive summary. (The public comment period of at least 30 days begins July 20, 2018.)

Total of 14 filings requested


ConnectiCare Insurance Company, Inc - 2019 Off Exchange Rates

Tax ID: 06-1618303
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, ConnectiCare Insurance Company submitted a rate filing requesting a 14.7 percent average rate increase on its 'SOLO' individual health plans marketed outside of Access Health CT, the state sponsored health insurance exchange.



ConnectiCare Insurance Company, Inc - 2019 Off Exchange Rates

Tax ID: 06-1618303
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, ConnectiCare Insurance Company, Inc. filed a request to increase rates an average of 12.4 percent on small group policies marketed outside Access Health CT, the state-sponsored health insurance exchange.



ConnectiCare Inc - 2019 Off Exchange

Tax ID: 06-1537522
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, ConnectiCare, Inc. filed a request to keep rates at the current levels with no increase on average for certain small group HMO policies marketed outside Access Health CT, the state-sponsored health insurance exchange. While some in this block of business could see an increase of 4.4 percent others would have a decrease of 5.0 percent.



ConnectiCare Inc - 2019 Off Exchange Rates

Tax ID: 06-1537522
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, ConnectiCare, Inc. submitted a rate filing requesting an average increase of 11.9 percent on individual health plans or 'SOLO' products marketed outside of Access Health CT, the state sponsored health insurance exchange.



Anthem Health Plans, Inc - 2019 On/Off Exchange Rates

Tax ID: 06-1475928
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, Anthem Health Plans, Inc. filed a rate request for an average 9.1 percent increase on individual health plans marketed on and off the state's health insurance exchange.



Anthem Health Plans, Inc - 2019 On/Off Exchange Rates

Tax ID: 06-1475928
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018 Anthem Health Plans, Inc. filed a rate request for an average increase of 9.9 percent on small group health plans for employers with 50 or fewer workers.



Oxford Health Plans (CT), Inc - 2019 Off Exchange Rates

Tax ID: 06-1181201
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018 Oxford Health Plans (CT), Inc., filed a request to raise rates an average of 10.7 percent for HMO health plans used by employers with 50 or fewer workers.



UnitedHealthcare Insurance Company - 2019 Off Exchange Rates

Tax ID: 36-2739571
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, UnitedHealthcare Insurance Company requested an average rate increase of 15.37 percent for small group plans it is marketing outside of the state health insurance exchange.



Aetna Life Insurance Company - 2019 Off Exchange Rates

Tax ID: 06-6033492
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, Aetna Life Insurance Co. submitted a rate filing for an average increase of 20.8 percent for small group indemnity plans that provide major medical and prescription drug coverage for employers with 50 or fewer workers.



Oxford Health Insurance, Incorporated - 2019 Off Exchange Rates

Tax ID: 22-2797560
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018 Oxford Health Insurance, Inc., filed a request to raise rates an average of 11.51 percent for health plans used by employers with 50 or fewer workers.



ConnectiCare Benefits, Inc. - 2019 On Exchange Rates

Tax ID: 46-1559752
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, ConnectiCare Benefits, Inc. (CBI) filed a request to raise rates an average of 13 percent for individual health plans marketed through Access Health CT, the state's health insurance marketplace.



ConnectiCare Benefits, Inc. - 2019 On Exchange Rates

Tax ID: 46-1559752
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, ConnectiCare Benefits, Inc. (CBI) filed a request to raise rates an average of 5.7 percent for small group plans marketed through Access Health CT, the state's health insurance marketplace.



HPHC Insurance Company, Inc. - 2019 Off Exchange

Tax ID: 04-3149694
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018 HPHC Insurance Co., Inc., filed notice with the Insurance Department that it plans to apply an average increase of 0.60 percent on small group health care indemnity plans used by employers, who have 50 or fewer workers.



Harvard Pilgrim Health Care of Connecticut, Inc. - 2019 Off Exchange Rates

Tax ID: 46-1681667
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed:

On July 16, 2018, Harvard Pilgrim Health Care of Connecticut filed a request to increase rates an average of 8.5 percent for small group HMO plans that will be marketed outside of Access Health CT, the state-sponsored health insurance marketplace.









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