Enroll in a 2021 Health Insurance Plan
Most premium changes on the ACA marketplaces are modest heading into 2021, even with the uncertainty surrounding the pandemic. Most individual market insurers that specify the impact of the pandemic on their 2021 premiums are loading an extra couple percentage points onto the premium (with the median COVID-19 factor being 1.9%).
Thus far during the pandemic, individual market insurers have remained profitable and loss ratios have been low, on average, so large premium increases would have been hard to justify. That said, the range of assumptions that insurers have made about vaccine costs and availability, enrollee utilization, and general morbidity demonstrate just how much uncertainty remains about the state of the pandemic heading into next year.
| Rate Change and COVID-19 Load Among ACA Marketplace Plans, By State and Insurer | ||
| State/Insurer | Rate Change | Impact of COVID-19 on Rates |
| Alabama* | ||
| Blue Cross Blue Shield of Alabama | 4.90% | Unknown |
| Bright Health Insurance Company | 25.60% | Unknown |
| Alaska* | ||
| Moda Assurance Company | 0.11% | No mention |
| Premera Blue Cross Blue Shield of Alaska | -4.15% | No mention |
| Arizona* | ||
| Blue Cross and Blue Shield of Arizona | 1.82% | Unknown |
| Bright Health Company of Arizona | 9.33% | Unknown |
| Cigna HealthCare of Arizona | 1.87% | No mention |
| Health Net of Arizona | -0.80% | Unknown |
| Oscar Health Plan | -6.75% | Unknown |
| Arkansas | ||
| Celtic Insurance Company | 4.91% | Unknown |
| QCA Health Plan | 3.05% | Unknown |
| QualChoice Health and Life Insurance | 3.00% | Unknown |
| USAble Mutual Insurance | 2.90% | 0.00% |
| Oscar Insurance Company | New entrant | Unknown |
| HMO Partners Health Advantage | New entrant | 0.00% |
| California | ||
| Blue Cross of California (Anthem) | 6.00% | No mention |
| Blue Shield of California | -2.40% | Unknown |
| Chinese Community Health Plan | -1.30% | Unknown |
| Health Net | 3.40% | 1.20% |
| Kaiser Permanente | 1.00% | Unknown |
| LA Care Health Plan | -4.60% | No mention |
| Molina Healthcare | -3.80% | 0.90% |
| Oscar Health Plan of California | 7.60% | Unknown |
| Sharp Health Plan | -0.50% | 0.00% |
| Valley Health Plan | 9.00% | Unknown |
| Western Health Advantage | -2.60% | Unknown |
| Colorado | ||
| Anthem (HMO Colorado Inc.) | 0.30% | Unknown |
| Bright Health Insurance Company | -5.50% | Unknown |
| Cigna Health and Life Insurance Company | 3.00% | 1.00% |
| Denver Health Medical Plans | -4.60% | 6.40% |
| Friday Health Plan | -5.10% | No mention |
| Kaiser Foundation Health Plan of Colorado | -1.50% | 0.00% |
| Oscar Health Plan | -4.20% | Unknown |
| Rocky Mountain HMO | -10.00% | 0.00% |
| Connecticut | ||
| Anthem Health Plans | 1.90% | 0.00%** |
| Connecticare | -0.10% | 0.00%** |
| Delaware | ||
| Highmark Blue Cross Blue Shield | -1.00% | Unknown |
| District of Columbia | ||
| CareFirst HMO (Blue Choice) | 0.10% | Unknown |
| CareFirst PPO | 1.00% | Unknown |
| Kaiser Foundation Health Plan | -1.97% | Unknown |
| Florida | ||
| AvMed | -3.30% | 2.00% |
| Blue Cross and Blue Shield of Florida | 3.70% | 2.00% |
| Bright Health Insurance Company of Florida | 3.70% | 2.00% |
| Celtic Insurance Company | 3.90% | 2.00% |
| Cigna Health And Life Insurance Company | -1.40% | 2.00% |
| Florida Health Care Plan, Inc. | -0.10% | 2.00% |
| Health First Commercial Plans | 4.80% | 2.00% |
| Health Options, Inc | 2.50% | 2.00% |
| Molina Healthcare of Florida | -1.80% | 2.00% |
| Oscar Insurance Company of Florida | 2.90% | 2.00% |
| Georgia* | ||
| Alliant Health Plans | 18.34% | Unknown |
| Ambetter of Peach State | 7.43% | 0.00% |
| Anthem Blue Cross and Blue Shield | 10.10% | 3.00% |
| CareSource Georgia | -10.29% | Unknown |
| Kaiser Foundation Health Plan of Georgia | -19.02% | 2.50% |
| Oscar Health Plan of Georgia | 2.11% | Unknown |
| Hawaii | ||
| Kaiser Foundation Health Plan | -1.06% | No mention |
| Hawaii Medical Service Association | -3.10% | No mention |
| Idaho | ||
| Blue Cross of Idaho Health Service | -3.50% | No mention |
| Mountain Health Cooperative | 2.00% | 0.00% |
| Pacific Source Health Plans | -7.10% | 0.00% |
| Regence Blue Shield of Idaho | -1.30% | No mention |
| SelectHealth | 5.90% | No mention |
| Illinois* | ||
| Blue Cross Blue Shield of Illinois | -0.12% | Unknown |
| Celtic Insurance Company | 0.26% | 0.00% |
| Cigna HealthCare of Illinois, Inc. | 0.89% | 1.00% |
| Health Alliance Medical Plans, Inc. | 0.00% | Unknown |
| Quartz Health Benefit Plans Corporation | -10.05% | Unknown |
| Indiana | ||
| Anthem Insurance Companies, Inc. | -0.30% | No mention |
| CareSource Indiana, Inc. | 4.30% | 0.00% |
| Celtic Insurance Company | -0.55% | 1.90% |
| Iowa* | ||
| Medica Insurance Company | 2.45% | Unknown |
| Wellmark Health Plan of Iowa, Inc. | -42.04% | Unknown |
| Oscar Health Plan of Iowa | New entrant | Unknown |
| Kansas* | ||
| Blue Cross and Blue Shield of Kansas | 0.70% | Unknown |
| Cigna Health and Life Insurance | 9.96% | 1.00% |
| Medica Insurance Company | 7.78% | 5.00% |
| Oscar Insurance Company | -7.86% | Unknown |
| Sunflower State Health Plan | 4.00% | Unknown |
| Kentucky | ||
| Anthem Health Plans of Kentucky | 5.69% | 2.60% |
| Care Source Kentucky | 4.00% | Redacted |
| Louisiana* | ||
| CHRISTUS Health Plan Louisiana | 7.44% | Unknown |
| HMO Louisiana | 9.50% | Unknown |
| Louisiana Health Service & Indemnity | 7.95% | Unknown |
| Vantage Health Plan | 2.64% | Unknown |
| Maine | ||
| Anthem Health Plans of Maine | -12.50% | 2.50% |
| Harvard Pilgrim Health Plan | -13.00% | 0.00% |
| Maine Community Health Options | -13.70% | -1.20% |
| Maryland | ||
| CareFirst Blue Choice | -11.90% | 0.00% |
| CareFirst CFMI | -17.10% | 0.00% |
| CareFirst GHMS | -17.10% | 0.00% |
| Kaiser Foundation Health Plan | -11.00% | 0.00% |
| Optimum Choice (UnitedHealthcare) | New Entrant | Unknown |
| Massachusetts* | ||
| Blue Cross and Blue Shield of Massachusetts HMO Blue | 6.17% | 0.00% |
| Fallon Community Health Plan | 3.52% | 0.00% |
| Harvard Pilgrim Health Care | 7.25% | No mention |
| Health New England | 2.23% | Unknown |
| Tufts Associated HMO | 9.03% | Unknown |
| Tufts Health Public Plans | 12.27% | 0.00% |
| UnitedHealthcare Insurance Company | 15.10% | Unknown |
| BMC HealthNet | Unknown | Unknown |
| AllWays Health Partners | Unknown | Unknown |
| Michigan* | ||
| Blue Care Network of Michigan | 2.50% | No mention |
| Blue Cross Blue Shield of Michigan | 1.70% | No mention |
| Oscar Insurance Company | 6.00% | 4.00% |
| McLaren Health Plan Community | -2.00% | 0.00% |
| Meridian Health Plan of Michigan | -5.60% | 2.00% |
| Molina Healthcare of Michigan | 0.40% | Unknown |
| Physicians Health Plan | 3.10% | 3.00% |
| Priority Health Insurance | -0.13% | 0.00% |
| Total Health Care USA | -0.39% | 0.00% |
| Minnesota | ||
| Blue Plus HMO | 4.21% | Unknown |
| Group Health Plan Inc | 0.67% | Unknown |
| Medica Insurance Company | 2.42% | Unknown |
| Preferred One Insurance Company | 1.05% | Unknown |
| Quartz Health Plan | New entrant | Unknown |
| UCare MN | 1.60% | 0.00% |
| Mississippi* | ||
| Ambetter of Magnolia Inc. | 11.19% | Unknown |
| Molina Healthcare of Mississippi, Inc | -2.67% | Unknown |
| Missouri* | ||
| Blue Cross and Blue Shield Kansas City | New entrant | No mention |
| Celtic Insurance Company | 9.10% | Unknown |
| Cigna Health & Life Insurance Company | 1.40% | Unknown |
| Cox Health Systems Insurance Company | 13.60% | No mention |
| Healthy Alliance Life Insurance Company | -1.44% | Unknown |
| Medica Insurance Company | -7.50% | Unknown |
| Oscar Insurance Company | 6.40% | Unknown |
| SSM Health Insurance Company | -0.49% | Unknown |
| Montana | ||
| HCSC (Blue Cross Blue Shield of Montana) | 0.00% | No mention |
| Montana Health Co-Op | 0.68% | No mention |
| Pacific Source Health Plans | 5.00% | No mention |
| Nebraska* | ||
| Medica Insurance Company | 5.36% | Unknown |
| Bright Health | Unknown | Unknown |
| Nevada | ||
| Friday Health Plans of Nevada | New entrant | Unknown |
| Health Plan of Nevada Incorporated | 5.00% | Unknown |
| HMO Colorado INC D/BA HMO Nevada | 3.90% | Unknown |
| Hometown Health Plan | -5.00% | Unknown |
| Hometown Health Providers Insurance | -1.60% | Unknown |
| Rocky Mountain Hospital and Medical Service | 11.00% | Unknown |
| SelectHealth | New entrant | Unknown |
| Sierra Health and Life Insurance Company | 9.80% | Unknown |
| SilverSummit Health Plan | 2.30% | Unknown |
| New Hampshire* | ||
| Celtic Insurance Company | -4.50% | 0.00% |
| Harvard Pilgrim Health Care | -13.54% | 0.00% |
| Matthew Thornton Health Plan (Anthem BCBS) | -15.12% | Unknown |
| New Jersey* | ||
| AmeriHealth HMO | 11.22% | 1.00% |
| AmeriHealth Insurance Company of New Jersey | 3.82% | 1.00% |
| Horizon Healthcare Services | -1.43% | Unknown |
| Oscar Garden State Insurance | 10.59% | Unknown |
| New Mexico | ||
| Molina Healthcare of New Mexico | -0.40% | Unknown |
| Blue Cross Blue Shield of New Mexico (HCSC) | -7.61% | Unknown |
| True Health | -1.40% | No mention |
| Friday Health Plans | New Entrant | Unknown |
| Western Sky Ambetter | New Entrant | Unknown |
| New York | ||
| Capital District Physicians Health Plan | 4.30% | 0.00% |
| Health Insurance Plan of Greater New York (Emblem) | 3.80% | 2.00% |
| Excellus | -0.20% | 0.50% |
| Fidelis (NY Quality Healthcare Corp) | 1.60% | 8.40% |
| Healthfirst PHSP, Inc. | -2.50% | 0.00% |
| Healthnow New York | -2.80% | 2.00% |
| HealthPlus HP | 1.00% | 5.15% |
| IHBC | -5.30% | 0.00% |
| MetroPlus | 5.00% | 2.10% |
| MVP Health Plan | 3.80% | 1.60% |
| Oscar | 4.90% | 7.40% |
| UnitedHealthcare of New York | 4.80% | 1.00% |
| North Carolina* | ||
| Ambetter of North Carolina | 3.90% | 0.00% |
| BCBS of NC | 4.10% | Unknown |
| Bright Health Company of North Carolina | 1.98% | Unknown |
| CIGNA HealthCare of North Carolina | -10.50% | No mention |
| Oscar Health Plan of NC | New entrant | Unknown |
| UnitedHealthCare of Wisconsin, Inc. | New entrant | Unknown |
| North Dakota* | ||
| Blue Cross Blue Shield of North Dakota | 4.42% | No mention |
| Medica Health Plans | 13.16% | Unknown |
| Sanford Health Plan | 20.33% | Unknown |
| Ohio* | ||
| AultCare Insurance Company | -4.99% | 2.00% |
| Buckeye Community Health Plan | 1.35% | 0.00% |
| CareSource | 9.30% | 0.00% |
| Community Insurance Company | -3.22% | Unknown |
| Medical Health Insuring Corp. of Ohio | 2.30% | 0.00% |
| Molina Healthcare of Ohio | -0.80% | 0.00% |
| Oscar Buckeye State Insurance Corporation | -0.90% | 0.30% |
| Oscar Insurance Corporation of Ohio | 6.70% | -0.10% |
| Paramount Insurance Company | 8.94% | 0.00% |
| SummaCare | 2.50% | 0.00% |
| Oklahoma* | ||
| Blue Cross Blue Shield of Oklahoma | -0.05% | Unknown |
| Bright Health Insurance Company | 1.84% | Unknown |
| CommunityCare HMO Inc. | -24.40% | Unknown |
| Medica Insurance Company | -5.27% | Unknown |
| Oscar Insurance Company | New entrant | Unknown |
| UnitedHealthcare | New entrant | Unknown |
| Oregon | ||
| Bridgespan Health Company | 11.10% | 0.00% |
| Kaiser Foundation Health Plan of the Northwest | -3.51% | 0.00% |
| Moda | 4.70% | 0.90% |
| PacificSource Health Plans | 4.20% | 0.00% |
| Providence Health Plan | 1.40% | 1.00% |
| Regence Blue Cross Blue Shield | 2.50% | 0.00% |
| Pennsylvania | ||
| Capital Advantage Assurance Company | -14.43% | 0.00% |
| Highmark Inc. | -0.67% | 2.50% |
| Highmark Benefits Group | -3.96% | 2.50% |
| Highmark Coverage Advantage | 3.12% | 2.50% |
| Geisinger Health Plan | -11.28% | 0.00% |
| Geisinger Quality Options | -13.57% | 0.00% |
| Keystone Health Plan East | -3.91% | 1.00% |
| QCC Insurance Company | -3.88% | 1.00% |
| UPMC Health Options | 1.28% | 0.00% |
| PA Health and Wellness | -6.60% | 1.40% |
| Oscar Health Plan of PA | 6.68% | 2.10% |
| Rhode Island* | ||
| Blue Cross Blue Shield of Rhode Island | 4.96% | Unknown |
| Neighborhood Health Plan of Rhode Island | 5.60% | 2.50% |
| South Carolina | ||
| Absolute Total Care, Inc | 8.50% | 0.00% |
| Blue Cross and Blue Shield of South Carolina | -1.85% | Unknown |
| Bright Health Company of South Carolina | -0.05% | Unknown |
| Molina Healthcare of South Carolina | -3.60% | Unknown |
| South Dakota* | ||
| Avera Health Plans, Inc. | 4.29% | Unknown |
| Sanford Health Plan | 0.24% | 1.02% |
| Tennessee | ||
| Celtic Insurance Company | -2.50% | 2.00% |
| Cigna Health and Life Insurance Company | -6.01% | 1.00% |
| Blue Cross Blue Shield of Tennessee | 9.82% | 1.80% |
| Bright Health Insurance Company of Tennessee | 3.01% | -2.00% |
| Oscar Healthcare | 9.90% | -0.50% |
| United healthcare Insurance Company | New entrant | 0.00% |
| Texas* | ||
| Blue Cross Blue Shield of Texas | 2.97% | Unknown |
| Celtic Insurance Company | 11.69% | 0.00% |
| CHRISTUS Health Plan | 3.16% | Unknown |
| Community Health Choice, Inc. | 8.65% | Unknown |
| Molina Healthcare of Texas, Inc. | 5.30% | Unknown |
| Oscar Insurance Company | 9.91% | Unknown |
| Sendero Health Plans, Inc. | 8.81% | 0.00% |
| SHA FirstCare Health Plans | 2.81% | -3.40% |
| Utah | ||
| Cigna Health and Life Insurance Company | 2.20% | 1.00% |
| Molina Healthcare of Utah | -1.63% | 0.00% |
| Regence BlueCross BlueShield of Utah | -7.31% | 0.00% |
| SelectHealth | -1.60% | No mention |
| University of Utah Health Insurance Plans | 3.00% | Unknown |
| Vermont | ||
| Blue Cross Blue Shield of Vermont | 4.20% | 0.00% |
| MVP Health Care | 2.70% | 1.30% |
| Virginia* | ||
| CareFirst BlueChoice, | -9.70% | 0.00% |
| Cigna Health and Life Insurance Company | -11.70% | 1.00% |
| Group Hospitalization and Medical Services | 5.20% | 0.00% |
| HealthKeepers | -7.70% | Unknown |
| Kaiser Foundation Health Plan of the Mid-Atlantic States | -13.00% | 0.00% |
| Optima Health Insurance Company | -2.00% | Unknown |
| Optima Health Plan – HMO | 7.74% | 0.90% |
| Optimum Choice, Inc. | New entrant | Unknown |
| Oscar Insurance Company | 2.20% | 0.20% |
| Piedmont Community Healthcare HMO, Inc. | -3.40% | Unknown |
| Washington | ||
| Bridgespan Health Comapny | -0.17% | Unknown |
| Community Health Network of Washington | New entrant | No mention |
| Coordinated Care Corporation | 0.93% | Unknown |
| Kaiser Foundation Health Plan of the Northwest | -1.87% | No mention |
| Kaiser Foundation Health Plan of Washington | -4.86% | Unknown |
| Lifewise Health Plan of Washington | -2.06% | Unknown |
| Molina Healthcare of Washington Inc. | -3.19% | 3.20% |
| Pacific Source Health Plans | 7.63% | Unknown |
| Premera Blue Cross | -8.67% | Unknown |
| Providence Health Plan | 3.18% | No mention |
| Regence Blue Cross Blue Shield of Oregon | -4.08% | Unknown |
| Regence BlueShield | -5.35% | Unknown |
| UnitedHealthcare of Oregon | New entrant | 2.50% |
| West Virginia* | ||
| CareSource West Virginia Co. | 6.26% | Unknown |
| Highmark Blue Cross Blue Shield West Virginia | 4.34% | Unknown |
| The Health Plan of West Virginia, Inc. | 3.67% | No mention |
| Wisconsin* | ||
| Aspirus Arise Health Plan of Wisconsin, Inc | -12.89% | -2.20% |
| Children’s Community Health Plan | -7.47% | Unknown |
| Common Ground Healthcare Cooperative | -6.25% | Unknown |
| Dean Health Plan | -2.27% | Unknown |
| Group Health Cooperative of South Central Wisconsin | -6.81% | Unknown |
| HealthPartners Insurance Company | -3.40% | Unknown |
| Medica Community Health Plan | 5.87% | Unknown |
| MercyCare HMO, Inc. | -1.39% | Unknown |
| Molina Healthcare of Wisconsin, Inc. | -3.50% | Unknown |
| Network Health Plan | 3.34% | Unknown |
| Wyoming | ||
| Blue Cross Blue Shield of Wyoming | -10.2% | Unknown |
| *Indicates that the rates shown for the state have not been finalized. **Connecticut Insurance Department instructed insurers to include a COVID-impact of 0% NOTE: ‘Unknown’ includes plans where the rate change or impact of COVID-19 on rates was redacted or otherwise unavailable for some reason. SOURCE: KFF analysis of insurer rate filings to state regulators. |
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