This is the second Rate Review Annual Report issued by HHS. The first was issued in September 2012 and was based on data submitted by rate review grantee states from September 2011, when reporting from grantee states began, through July 2012. This Annual Report is based on the data for requested and approved rate increases submitted by grantee states for CY 2012.12
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Rate Review Grant (RRG) Data
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HHS awarded State Rate Review Grants to states in September 2011 and September 2012. States submitted data to HHS on rate increases for major medical policies in their individual and small group policies as part of their State Rate Review Grant requirements. The Rate Review Grant (RRG) database consists of state quarterly submissions, from 2011 Quarter 3 to 2013 Quarter 2, for rate increases effective for calendar years 2011, 2012, and 2013, but with only partial data for 2011 and 2013. For 2012, rate filings with a limited number of covered lives were submitted in five out of 43 states in the individual market and two out of 37 states in the small group market, and thus were excluded from the analysis. Rate filings that combined small and large groups were not included in the analysis because the rate changes and covered lives specific to the small groups are not always available. ASPE supplemented its analysis of RRG data with data from the Florida Office of Insurance Regulation website for a total of 39 states in the individual market and 35 states in the small group market for calendar year 2012.
ASPE manually cleaned the data to correct rate filings that were out of scope, or contained similar or duplicative entries, missing or incomplete filings, or incorrect data on requested and/or approved rate changes.13 ASPE then compared the cleaned RRG data with an ASPE database of individual market rate changes for 15 states (available from state websites: Arkansas, California, Connecticut, Delaware, Florida, Indiana, Maine, Minnesota, North Carolina, New Jersey, Oregon, Pennsylvania, Rhode Island, Washington, and Wisconsin). After revising the RRG data for incomplete or incorrect data and comparing the RRG data with the ASPE database, 7.5 percent of rate filings for individual policies were revised, which affected 26.6 percent of total covered lives.
ASPE does not have a database for small group rate increases but checked available data on several state websites for rate filings that had unusual entries. After cleaning the RRG data, 11.3 percent of rate filings for small group policies were revised, which affected 23.7 percent of total covered lives.
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Rate Review Justification (RRJ) Data
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Rate Review Justification data are submitted to the Center for Consumer Information and Insurance Oversight (CCIIO) for rate requests of 10 percent or more. This analysis used only adjudicated requests with effective dates between January 1, 2012 and December 31, 2012.
A limitation to this method for estimating savings by state is that it assumes that each affected enrollee in these plans paid the statewide average premium, which may not be likely when small numbers of enrollees are affected. Another limitation is that the savings are applied to a full year of premiums, even though many rate increases go into effect mid-year.
Table A-1: Individual Market Rate Increase Requests of 10% or More, 20121 State A: Total Number of Requests
Reviewed2B: Total Number of Requests
Modified or RejectedC: Total Number
not ModifiedD: Total Number
Withdrawn31 Only includes states with at least one rate increase request of 10% or more
2 Column A=Column B + Column C + Column D
3 Includes re-submissionsAlaska
1
-
1
-
Arizona
9
-
6
3
Arkansas
2
2
-
-
California
9
6
3
-
Colorado
6
2
3
1
Connecticut
1
1
-
-
Florida
6
-
4
2
Idaho
5
-
3
2
Illinois
9
-
9
-
Indiana
3
2
-
1
Kentucky
2
-
2
-
Louisiana
4
-
4
-
Maine
2
1
1
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Michigan
5
-
3
2
Missouri
7
1
6
-
Montana
7
1
6
-
Nebraska
6
-
4
2
Nevada
6
4
-
2
North Dakota
6
2
4
-
Ohio
4
-
4
-
Oklahoma
1
-
1
-
Oregon
5
4
-
1
South Carolina
3
3
-
-
South Dakota
3
1
2
-
Texas
2
-
2
-
Utah
4
-
-
4
Vermont
1
1
-
-
Washington
12
10
-
2
Wisconsin
21
2
19
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Wyoming
2
-
2
-
Total
154
43
89
22
Table A-2: Small Group Market Rate Increase Requests of 10% or More, 20121 State
A: Total Number of Requests
Reviewed2B: Total Number of Requests
Modified orRejectedC: Total Number
not ModifiedD: Total Number
Withdrawn31 Only includes states with at least one rate increase request of 10% or more
2 Column A=Column B + Column C + Column D
3 Includes re-submissionsAlabama
1
-
1
-
Alaska
3
-
3
-
Arizona
3
2
1
-
California
9
1
8
-
Colorado
1
-
1
-
Connecticut
4
3
1
-
Delaware
4
-
4
-
Florida
9
1
8
-
Georgia
1
1
-
-
Idaho
1
-
1
-
Illinois
4
-
4
-
Indiana
3
3
-
-
Iowa
5
4
1
-
Kansas
4
2
2
-
Maine
3
-
3
-
Maryland
1
-
1
-
Michigan
8
5
1
2
Mississippi
1
-
-
1
Missouri
2
-
1
1
Montana
1
-
1
-
Nevada
3
-
3
-
New Jersey
6
-
6
-
New York
4
4
-
-
North Carolina
2
2
-
-
North Dakota
2
2
-
-
Ohio
6
-
5
1
Oklahoma
2
-
2
-
Pennsylvania
1
1
-
-
South Carolina
2
2
-
-
South Dakota
2
2
-
-
Texas
5
-
3
2
Utah
1
-
1
-
Vermont
1
1
-
-
Washington
6
1
5
-
West Virginia
5
1
4
-
Wisconsin
20
-
15
5
Total
136
38
86
12
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