Health Insurance Rate Review

Rate Review Filings

As part of Obamacare market reforms, including greater transparency and accountability by insurance companies, states are encouraged to provide an online access point to insurers ACA-compliant health rate filings. A comprehensive database was developed in response to this request. Now, Montanans can use this database to search and review ACA-related filings submitted to the Commissioner of Securities and Insurance since 2010. All filings are subject to Montana's public access laws. While all ACA-related filings will display in the search, you will only be able to view the particular details of the filing if it was marked eligible for public access by the Montana insurance department.

Health insurance companies must justify proposed rates and submit a new consumer-friendly explanation/justification about any rate increases in the individual market to the Commissioner of Insurance so that the public can make comments on the proposed rates. Please provide your input. Comments will be made public.

View the Rates

Use the link below to access the rate filings and read a company’s justification for the rate increase.  You will be taken to the Montana Interface page, which is maintained by the National Association of Insurance Commissioners (NAIC). Review the NAIC’s terms and conditions, then click “I Agree” in order to access the search page.

Click here to Search Public Filings

Tips on conducting a search:

  • Chose Submission Date. Enter: Start : May 27, 2014 – End:  Jun 10, 2014.
  • Chose Filing Type: Rates

  • Or select from the following companies who are proposing to offer 2015 health plans in the federal Montana Marketplace:
    • Blue Cross Blue Shield
    • Montana Health Co-op
    • PacificSource
    • Time Insurance Company

From here, you may also submit comments.  (Further instructions may be found by clicking on the “Help” button located at the top left corner of the search page.)

If you have questions or comments concerning a particular filing, please contact the Commissioner of Securities and Insurance at 406-444-2040 or 1-800-332-6148.