U.S. Department of Health and Human Services: Rate Review Annual Report September 2013. Conclusion


The rate review provisions of the Affordable Care Act are building the foundation for a health insurance marketplace where consumers can make informed choices and insurance companies are held accountable for unreasonable rate increases.  Requests for rate changes are now public information, and issuers must provide a justification for requested increases of 10 percent or more.  Data from 2012 suggests that rate review continues to be an important innovation that provides consumers with greater information and achieves significant savings.

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