An Early Look at 2021 Premium Changes on ACA Exchanges and the Impact of COVID-19 on Rates

KFF July 21, 2020
Daniel McDermott, Nicolas Shanosky, Rachel Fehr, and Cynthia Cox

Each year, insurers planning to offer health plans on the Affordable Care Act (ACA) marketplaces must submit filings to state regulators detailing their plan offerings and justifying their premiums for the upcoming year. Rates and participation are not finalized until late summer and not all are publicly available until early fall, but preliminary filings provide a glimpse into the assumptions insurers are making about the effects the coronavirus pandemic will have on health costs, enrollment and utilization in 2021.

In this brief, we summarize preliminary premium rate filings in the 10 states and the District of Columbia where filings have been made publicly available in a way that allows us to see how premiums are calculated. We reviewed published filings...

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