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.
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% |
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
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% |
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
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% |
ConnectiCare Benefits Inc.
Plans sold on the exchange
Average proposed rate increase: 2 percent
This rate filing currently covers: 39,850 policies
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% |
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
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% |
Golden Rule Insurance Company
Plans sold off the exchange
Average proposed rate increase: 18.5%
This rate filing currently covers: About 2,000 policies
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% |
HealthyCT
Plans sold on and off the exchange
Average proposed rate increase: 13.96%
This rate filing currently covers: 5,699 policies
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% |
UnitedHealthcare
Plans sold on the exchange
Average proposed rate increase: 12.4 percent
These plans currently cover: 1,686 people
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% |
UnitedHealthcare
Plans sold off the exchange
Average proposed rate increase: 32.9 percent
These plans currently cover: 712 people
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% |