Individual health insurance rate hike proposals: See your plan

Yes, 2015 is less than half over, but insurance companies have already had to tell state regulators how much they want to charge for individual-market plans next year.

On average, every company that offers plans in the individual market is seeking to raise rates, but the proposed change varies for each particular plan, and those range from slight decreases to rate hikes of more than 40 percent.

Here’s a list of the proposed rate changes by plan. For any given customer, the rate will vary based on the person’s age, county and plan.

Note: Some companies are listed multiple times because they sell plans under various names or because they file separately for plans sold on the state’s health insurance exchange, Access Health CT, and those sold outside the exchange.

All these rate changes are proposed; the Connecticut Insurance Department’s actuaries will now analyze them and determine whether they can proceed as proposed or must be adjusted.

Members of the public can weigh in on the proposals during the next 30 days. To submit a comment online, click on this link, find the plan you want to comment on and click the “select” button.

Aetna

Plans sold off the exchange

Average proposed rate increase: 5.6 percent

These plans currently cover: 7,432 people

Note: Some of the names of the plans are changing in 2016. These names are for the 2015 plans.

Aetna proposed rate hikes
For individual market plans in 2016
Name Rate change
CT Aetna Bronze Copay $20 Copay PD 4.60%
CT Aetna Bronze Ded. Only H.S.A. PD 6.10%
CT Aetna Silver $10 Copay PD 8.20%
CT Aetna Silver $10 Copay 2750 PD 1.80%
CT Aetna Gold Copay $5 PD 6.40%
CT Costco Bronze Copay $20 Copay PD 2.60%
CT Costco Bronze Ded. Only H.S.A. PD 4.20%
CT Costco Silver $10 Copay PD 7%
CT AWH PHN Bronze $15 Copay PD 5.40%
CT AWH PHN Silver $10 Copay PD 10.7%
CT AWH PHN Gold $0 Copay PD 7.20%
Connecticut Insurance Department
Anthem Blue Cross and Blue Shield

Plans sold on and off the exchange

Average proposed rate increase: 6.7 percent

This rate filing currently covers: 34,553 policies

Anthem proposed rate hikes
For individual market plans in 2016
Name On/off exchange Rate change
Catastrophic HMO Pathway X Enhanced On 7.04%
Bronze HMO Pathway X Enhanced for H.S.A. On 11.08%
Bronze HMO Pathway X Enhanced On 4.72%
Gold HMO Pathway X Enhanced On 4.60%
Anthem HMO Catastrophic BlueCare 6850/0% Off 7.02%
Anthem Bronze HMO BlueCare 6000/12000/0% for H.S.A. Off 9.38%
Anthem Bronze HMO Bluecare 6000/0% Off 5.09%
Anthem Silver HMO BlueCare 3500/7000/0% for H.S.A. Off 4.93%
Anthem Silver HMO BlueCare 3500/0% Off 5.46%
Anthem Gold HMO Bluecare 1500/0% Off 4.60%
Anthem Gold HMO Pathway X Enhanced 1850/0% Off 4.14%
Bronze PPO Standard Pathway X On 10.50%
Bronze PPO Standard Pathway X for H.S.A. On 3.64%
Silver PPO Standard Pathway X On 5.50%
Silver PPO Pathway X On 6.83%
Gold PPO Standard Pathway X On 9.18%
Anthem Bronze PPO Century Preferred 5700/11400/20% for H.S.A. Off 11.10%
Anthem Silver PPO Century Preferred 2750/20% Off 7.57%
Anthem Silver PPO Century Preferred 2500/20% Off 7.59%
Gold HMO Pathway X Enhanced, a multi-state plan On 4.14%
Silver PPO Pathway X, a multi-state plan On 6.82%
Connecticut Insurance Department
Celtic Insurance Company

Plan sold off the exchange

Proposed rate increase: 15.95 percent

CIGNA

Plans sold off the exchange

Average proposed rate increase: 14.27 percent

This rate filing currently covers: 660 policies

CIGNA proposed rate hikes
For individual market plans in 2016
Name Rate change
Cigna OAP H.S.A. Bronze 6600 10.7% to 22.2%
Cigna OAP H.S.A. Silver 2750 7.9% to 19.1%
Cigna OAP Flex Gold 1000 19.3% to 30.1%
Connecticut Insurance Department
ConnectiCare Benefits Inc.

Plans sold on the exchange

Average proposed rate increase: 2 percent

This rate filing currently covers: 39,850 policies

ConnectiCare Benefits Inc. proposed rate hikes
For individual market plans in 2016
Name Rate change
Platinum Standard 4.30%
Gold Standard 6.40%
Gold Select 6.80%
Gold Choice 6.20%
Silver Standard 1.90%
Silver Choice 1.90%
Bronze Standard 5%
Bronze Choice 0.20%
Bronze H.S.A. Standard -3%
Bronze H.S.A. Select 5.10%
Catastrophic -3.80%
Connecticut Insurance Department
ConnectiCare Inc.

Plan sold off the exchange

Proposed rate increase: 5.2 percent

This plan currently covers: 435 people. It is referred to as HMO 5350 H.S.A. No Mbr cost.

ConnectiCare Insurance Company

Plans sold off the exchange

Average proposed rate increase: 10.1 percent

These plans currently cover: 34,400 people

ConnectiCare proposed rate hikes
For individual market plans in 2016
Name Rate change
POS 2500H 25/45 9.90%
POS 5000H 30/60 9.90%
POS 500UP 30/40 9.90%
POS 750UP 30/45 9.90%
POS 1000UP 30/45 9.90%
POS 1500UP 50% 7.50%
POS 2500UP 30/45 9.90%
POS 2500UP 50% 9.90%
POS 2500 20% 9.90%
POS 4500UP 50% 14.50%
POS 4500UP 25/40 13.30%
POS 1750HSA 30/45 6.60%
POS 3000HSA 8.70%
POS 5350HSA Combined 5.90%
Connecticut Insurance Department
Golden Rule Insurance Company

Plans sold off the exchange

Average proposed rate increase: 18.5%

This rate filing currently covers: About 2,000 policies

Golden Rule proposed rate hikes
For individual market plans in 2016
Name Rate change
Silver H.S.A. 100 18.20%
Silver Copay Select 2 20.30%
Silver Copay Select 1 16%
Bronze H.S.A. 100 24.20%
Bronze Copay Select 10.20%
Connecticut Insurance Department
HealthyCT

Plans sold on and off the exchange

Average proposed rate increase: 13.96%

This rate filing currently covers: 5,699 policies

HealthyCT proposed rate hikes
For individual market plans in 2016
Name Rate change
Gold Preferred Standard PPO 13.50%
Silver Enhanced Standard PPO 15%
Bronze Basic Standard PPO 10.70%
Gold Preferred PPO 1 15.40%
Silver Enhanced PPO 2 18.40%
Silver Enhanced PPO 1 21.40%
Bronze Basic H.S.A. 1 8.10%
Basic Catastrophic PPO 22.30%
Gold Preferred PPO 2 17.20%
Silver Enhanced PPO 3 15.40%
Silver Enhanced PPO 4 12.60%
Silver Enhanced PPO 5 15.60%
Silver Enhanced PPO 6 21.70%
Silver Enhanced H.S.A. 1 17.20%
Silver Enhanced H.S. A. 2 9.90%
Silver Enhanced H.S.A. 4 10.20%
Bronze Basic H.S.A. 3 9.60%
Bronze Basic H.S.A. 5 11.40%
Bronze Basic Standard H.S.A. 10.70%
CO-OPtions Preferred Gold PPO, a multi-state plan 15.70%
CO-OPtions Preferred Gold Plus PPO, a multi-state plan 15.70%
CO-OPtions Enhanced Silver PPO 1, a multi-state plan 0.70%
CO-OPtions Enhanced Silver Plus PPO 1, a multi-state plan 0.70%
Connecticut Insurance Department
UnitedHealthcare

Plans sold on the exchange

Average proposed rate increase: 12.4 percent

These plans currently cover: 1,686 people

UnitedHealthcare proposed rate hikes
For individual market plans in 2016
Name Rate change
Standard Gold Choice Plus POS 22%
Gold Choice Plus H.S.A. 7.10%
Standard Silver Choice Plus POS 8.70%
Silver Choice Plus H.S.A. 8.60%
Standard Bronze Choice Plus POS 13.20%
Standard Bronze Choice Plus H.S.A. 11.30%
CONNECTICUT INSURANCE DEPARTMENT
UnitedHealthcare

Plans sold off the exchange

Average proposed rate increase: 32.9 percent

These plans currently cover: 712 people

UnitedHealthcare proposed rate hikes
For individual market plans in 2016
Name Rate change
Platinum Copay Select Choice 41.90%
Gold Copay Select Choice 26.20%
Silver H.S.A. 100 Choice 15.50%
Silver Copay Select 2 Choice 30.30%
Silver Copay Select 1 Choice 22.10%
Bronze H.S.A. 100 Choice 17.20%
Bronze Copay Select 1 Choice 16.90%
Bronze Copay Select 2 Choice 12.60%
Select Saver Choice 23.10%
Connecticut Insurance Department


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