State of Connecticut
 
Connecticut Insurance Department

Health Insurance Rate filings for 2019

Click here for 2019 Rate Filings Chart

On September 13, 2018, the Connecticut Insurance Department issued its final rulings on 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.

  • The average increase for individual plans is 2.72 percent, reduced from average request of 12.3 percent.
  • The average increase for small group plans is 3.14 percent, reduced from average request of 10.22 percent.

Pricing Factors for 2019:

  • The main driver of the increases is medical ‘trend’ – the cost of medical services and the demand for those services. In addition to medical trend of approximately 8 percent, carriers also accounted for the cost of new state mandates and adding pregnancy as a qualifying event to enroll in health insurance in the individual market.
  • The Department determined that there would be limited impact from lack of enforcement of the Affordable Care Act’s individual mandate. While the federal government officially removed the individual mandate penalty for 2019, the Department and carriers accounted for this in the 2018 rates.
  • The Department determined there would be marginal impact from the federal government’s new regulations for short-term, limited-duration health plans and association health plans. Carriers filed their rates in July while still awaiting clarification from Washington, which came later in the summer. After a thorough legal review of state laws and regulations and the federal regulations, the Department provided guidance last month in two Bulletins, HC-121 and HC-123

What’s Next

Open enrollment for the 2019 coverage year is November 1, 2018 to December 15, 2018.

Public Comment and Video of Informational Hearing

On September 5, 2018, the Department held an informational hearing for individual exchange plans marketed by Anthem Health, Inc. and ConnectiCare Benefits, Inc. (CBI).


Total of 14 filings requested


Click "Select" to view the final rate filing, executive summary and Department disposition.

ConnectiCare Insurance Company, Inc - 2019 Off Exchange Rates

Tax ID: 06-1618303
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the company's rate increase request and reduced to 8.8 percent on September 13, 2018.



ConnectiCare Insurance Company, Inc - 2019 Off Exchange Rates

Tax ID: 06-1618303
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to a 6.3 percent increase on September 13, 2018.



UnitedHealthcare Insurance Company - 2019 Off Exchange Rates

Tax ID: 36-2739571
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average increase of 5.5 percent on September 13, 2018.



Aetna Life Insurance Company - 2019 Off Exchange Rates

Tax ID: 06-6033492
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average increase of 10 percent on September 13, 2018.



Oxford Health Insurance, Incorporated - 2019 Off Exchange Rates

Tax ID: 22-2797560
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average increase of 1.9 percent on September 13, 2018.



ConnectiCare Benefits, Inc. - 2019 On Exchange Rates

Tax ID: 46-1559752
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the company's rate increase request and instead lowered to an average increase of 4.0 percent on September 13, 2018.



ConnectiCare Benefits, Inc. - 2019 On Exchange Rates

Tax ID: 46-1559752
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average increase of 0 percent on September 13, 2018.



HPHC Insurance Company, Inc. - 2019 Off Exchange

Tax ID: 04-3149694
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average decrease of 4.3 percent on September 13, 2018.



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: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average increase of 3.2 percent on September 13, 2018.



ConnectiCare Inc - 2019 Off Exchange

Tax ID: 06-1537522
Company Filing Type: Small Group
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average decrease of 5.4 percent on September 13, 2018.



ConnectiCare Inc - 2019 Off Exchange Rates

Tax ID: 06-1537522
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the company's rate increase request and reduced to 6.1 percent on September 13, 2018.



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

Tax ID: 06-1475928
Company Filing Type: Individual
Date Opended: 07/16/2018
Date Closed: 09/13/2018

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, the Department disapproved the company's rate increase request and instead lowered to an average decrease of 2.7 percent on September 13, 2018.



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: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average increase of 2.9 percent on September 13, 2018.



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: 09/13/2018

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, the Department disapproved the rate increase request and, instead reduced it to an average increase of 1.3 percent on September 13, 2018.









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