2018 Rate Filings and Rate Review

Insurance companies offering individual and small group health insurance plans are required to file proposed rates with the Montana State Auditor’s Department of Insurance for review and before plans can be sold to consumers.

What is rate review?

The rate review process, established by the Montana Legislature in 2013, does not give the Commissioner the authority to disapprove rates or prevent them from taking affect. It does give the commissioner the chance to review the factors insurance companies use in setting rates.

If the commissioner finds a rate increase to be excessive or unjustified, the insurer can voluntarily lower the rate increase. If the insurer decides to use the rate anyway, the commissioner will issue a public finding announcing that the rate is unjustified.

What does the department consider?

Rates reflect estimates of future costs, including medical and prescription drug costs and administrative expenses, and are based on historical data and forecasts of trends in the upcoming year. In its review, the Department considers these factors, as well as factors such as the insurer’s revenues, actual and projected profits, past rate changes, and the effect the change will have on Montana consumers.

Below, you can review information on pending rate filings for individual and small group products that comply with the Affordable Care Act (commonly known as Obamacare). You can access past year filings here.

Public Hearings
Public Comment
  • Montanans are invited to share their thoughts on the proposed rate changes for 2018. Public comments can be emailed to CSIPublicComment@mt.gov¬†through August 1, 2017.
Presentation PDFs
Supplemental materials


Revised* Rate Filings for 2018 Plans – Individual Market

Company Name Requested Average Rate Change Approx. Number Insured Part II Justification
HCSC (Blue Cross Blue Shield of Montana) 22.3% 31,828 PDF
Montana Health Co-op 16.6% 20,127 PDF
PacificSource 13.1% 12,000 PDF

*NOTE: The overall averages above reflect insurers’ revised rates following federal policy changes. Revisions only affect Silver-level health plans. The final 2018 rates for the Montana health insurance marketplace can be found here.

Proposed** Rate Filings for 2018 Plans – Individual Market

Company Name Requested Average Rate Change Approx. Number Insured Part II Justification
HCSC (Blue Cross Blue Shield of Montana) 22.3% 31,828 PDF
Montana Health Co-op 4.0% 20,127 PDF
PacificSource 7.4% 12,000 PDF

**NOTE: The average rate changes above were the original company proposed rates before new federal policy developments. The final 2018 rates for the Montana health insurance marketplace can be found here.


Proposed Rate Filings for 2018 Plans – Small Group

Company Name Requested Average Rate Change Approx. Number Insured Part II Justification
HCSC (Blue Cross Blue Shield of Montana) 4.1% 35,567 PDF
Montana Health Co-op 2.0% 244 PDF
PacificSource 6.4% 13,000 PDF
UnitedHealthcare 6.7% 146 PDF

View Final Rates