DOI Pat Quinn Governor Andrew Boron, Director

Health Policy Rate Filing Report

In order to better serve the residents of Illinois, the Department of Insurance has implemented a Health Premium Rate Review program. This Program is designed to evaluate premium rate increases proposed by health care plans marketing in Illinois, protect consumers from unreasonable rate increases and educate consumers on the medical and administrative costs driving such increases. The Program covers individual and group major medical policies, hospital/surgical medical expense policies, and student/blanket policies; including any conversion coverage offered through these products.

Consistent with these goals, the Department is making premium rate increase information available to Illinois consumers and policymakers. We are also accepting questions, concerns and comments related to rate filings found on this page. When submitting your comments, please identify both the company and the policy number. The Department cannot respond to submitted comments but will respond to questions consistent with our Comment Policy.

Explanations of terms used in the charts.

Group  and/or  Individual Rate Filings by Year

Individual Rate Filings

Individual Health Premium Rate Filings Since 2006

  2006
Individual
2007
Individual
2008
Individual
2009
Individual
2010
Individual/
Group
2011
Individual/
Group
2012
Individual/
Group
2013
Individual/
Group
Number of Rate Filings 41 58 55 83 61 145 139 115

HealthCare.gov website - Proposed Rate Increases of 10% or more

Starting September 1, 2011, health insurance companies must inform the public when they want to increase health insurance rates for individual or small group policies by an average of 10% or more. Companies requesting such increases must file them with the federal government in addition to filing them with the Department of Insurance.

These filings must include rating documentation called "Preliminary Justification". Preliminary Justification is a federally-developed form that will enable consumers to see a summary of certain factors underlying a proposed rate increase and an explanation, provided by the insurance company, for the proposed increase.

Through the following links, the Department of Insurance is providing you with a link to access this consumer-friendly summary and disclosure form – HealthCare.gov