Your Insurance Company & Rate Increases

The Affordable Care Act includes features that promote transparency and hold insurers accountable for rate increases and how they spend your premium dollars. Two of the features are called "Rate Review" and "Medical Loss Ratio"

• Rate Review: Starting September 1, 2011, health insurance companies must tell consumers when they want to increase insurance rates for individual or small group policies by an average of 10% or more. Learn more about rate reviews.
• Medical Loss Ratio: Starting in 2011, insurers must spend between 80% and 85% of the premium dollars they take in on health care costs or health care improvement activities. If they don't, they must provide refunds to policy holders. Learn more about medical loss ratio.

Information about rate reviews is available by using the top box below. To get started, select your state. Note: Not all states currently have rate reviews to report.

Information on medical loss ratio will appear on this site in 2012.

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