Individual Health Insurance Premium Growth in California

Katherine B. Wilson

This interactive data graphic shows premium rate increases for renewing health plans in the individual market. The median rate increases in 2015 and 2016 were lower than in the pre-ACA period.

July 2016

In this interactive data graphic, each bubble represents a rate filing for an insurer's individual market products, and the bubble size reflects the number of enrollees affected. Use filters to explore increases by year, insurer, regulator, and more. Hover to see median values and carrier details. The July 2016 version updates and finalizes the preliminary 2016 figures. The finalized median premium increase in 2016 was 4.6%, slightly higher than the preliminary figure (3.8%), but still lower than the 2015 increase (6.0%). Read a discussion of the preliminary findings. Also see below an Excel workbook with the finalized data set.

 

On/Off Exchange Status: This indicates whether products are available through ("On" or "Off") Covered California, the state's health insurance exchange. "On & Off" indicates products are offered through both Covered California and the non-exchange market. "N/A" indicates "not applicable" for filings prior to ACA implementation (2011-2013).

Data Source: Data are drawn from insurers' rate filings submitted to California regulators — California Department of Insurance Rate Filings and Department of Managed Health Care Premium Rate Review Filings. All health insurance premium increases for individual and small group coverage are subject to rate review by California regulators. Each rate filing covers an entire pool of individual products; for example, all of an insurer's individual non-grandfathered products, and sets forth an overall average increase for them. (Filings accessed July 5, 2016.)

Grandfathered health plans have separate rate review filings; there were four grandfathered filings submitted in 2016. Such plans were purchased prior to passage of the ACA and are exempt from many of its requirements, provided enrollment is continuous and benefits continue largely unchanged.

Methodology: This analysis extends the data collection and analysis published last year by CHCF. Rate increases were collected from regulators' public postings. Increases shown are for renewing products with effective dates from 2011 through 2016. Filings with any of these attributes were excluded: withdrawn, new product, no enrollees, or missing an effective date. In the current version, 2016 figures have been updated with information available as of July 5, 2016, including four 2016 rate filings not available at the time of the fall 2015 analysis.