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Health Insurance Rate Reviews

This page lists filings for effective dates through 2014. To view filings effective in 2015, go to www.healthrates.mdinsurance.state.md.us.

In Maryland, changes to health benefit plan rates in the small group and individual markets are reviewed by the Maryland Insurance Administration before they are put into place. As of July 1, 2012, health insurance companies must submit new consumer-oriented documents to the Administration about any rate changes in the individual market so that the public can make comments on the proposed rates. Insurance companies also must file this additional information if they propose a rate increase of 10 percent or more in the small group market. After Jan. 1, 2013, all rate change filing requests for small group products will be posted below.

Individual products are those that are not connected to job-based coverage. Many Marylanders are covered through an employer that is self-insured (for example, the State of Maryland, Verizon, Montgomery County Public Schools and General Motors). Self-insured plans and federal plans are not subject to review by the Maryland Insurance Administration.

Health insurance companies must justify proposed rates, which are subject to the Maryland Insurance Administration’s review and approval before any change can become effective. When a health insurance company submits a request that is open to public comment, consumers can read the company’s justification for the request and submit comments during a 30-day public review period.

 

To access proposed rate changes information in the individual market and rate increase requests of 10 percent or more, on average, in the small group market:

  • Find the company name and product ID number in the chart below.
  • Click on the product ID to read the insurer's request for a rate change.
  • After reviewing the information, submit your comments by clicking the corresponding link in the chart. Comments must be submitted by the posted deadline.

 

Please note that rate change requests submitted to the Maryland Insurance Administration pertain to a base amount that a company would like to charge. This may not apply to a premium increase specific to your individual policy, which can be based on many other factors, including age, area, and health conditions. For detailed information about the rate review process and federal requirements, click here.

Rate Filings

Company/
NAIC #
Market Segment Product Name/ID Status Public Comment
Submission Deadline*
Effective Date of Rate Change Average Approved
Rate Change
Range of
Approved
Rate Changes
Coventry Health and Life Insurance Co. 
#81973
Small Group Maryland Small Group
Preferred Provider Organization 
Pending Click here to submit a comment no later than Aug. 14  - - -
 Coventry Health Care of Delaware Inc.
#96460
Small Group  Maryland Small Group
Health Maintenance Organization
Pending Click here to submit a comment no later than Aug. 14 - - -
UnitedHealthcare Insurance Co.
#79413
Small Group Choice Small Group POS
23620MD002 
Approved
(Read a summary of the decision)
Comment period now closed April 28, 2014 -6.2% -6.2%
 UnitedHealthcare of the Mid-Atlantic, Inc.
#95025
Small Group Choice Small Group HMO
31112MD001
Choice Plus Small Group POS
31112MD002
Approved
(Read a summary of the decision)
Comment period now closed April 28, 2014 -6.2% -6.2%
 MAMSI Life and Health Insurance Co.
#60321
Small Group Choice Small Group EPO
65635MD005
Choice Plus Small Group POS
65635MD002

 
Approved
(Read a summary of the decision)
Comment period now closed April 28, 2014 -6.2% -6.2%
 Optimum Choice, Inc.
#96940
Small Group  Small Group HMO
72375MD001
 Approved
(Read a summary of the decision)
Comment period now closed  April 28, 2014   -6.2%  -6.2%
John Alden Life Insurance
#65080
Individual Grandfathered Base Contract - Individual PPO
48033MD001
Preferred 2000 - Individual PPO
48033MD002
Base Contract - Individual Indemnity
48033MD005
Pending Comment period now closed  -  -
Time Insurance
#69477
Individual Grandfathered Base Contract - Individual Indemnity
49225MD003
Base Contract - Individual PPO
49225MD004
Preferred 2000 - Individual PPO
49225MD006
Preferred 2000 Individual Indemnity
49225MD007
Preferred 2000 - Individual PPO
49225MD008
Pending Comment period now closed  -
Evergreen Health Cooperative
#72564
Small Group Evergreen Health Care - Small Group
72564MD009
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Evergreen Health Cooperative
#72564
Small Group EPO
72564MD007
and PPO
72564MD008
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Evergreen Health Cooperative
#72564
Individual EPO
72564MD005
and PPO
72564MD006
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
BlueChoice Inc.
#96202
Individual Grandfathered BlueChoice HMO - Individual HMO
28137MD001
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 1.30% -1.6% - 10.9%
Group Hospitalization and Medical Services Inc.
#53007
Individual Grandfathered BluePreferred Individual PPO
94084MD001
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 6.10% -5.6% - 7.6%
CareFirst of Maryland Inc.
#47058
Individual Grandfathered Personal Comp Individual Indemnity
45532MD001
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 1.90% -2.9% -  2.5%
Golden Rule Insurance Co.
#62286
Individual Gen 25 Individual PPO
92113MD015
Approved
(Read a summary of the decision)
Comment period now closed April 1, 2014  9.90%  5.1%-18.4% 
BlueChoice Inc.
#96202
Small Group
Grandfathered
BlueChoice HMO Small Group
28137MD007
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 6.9% 6.0%-8.2%
The Prudential Insurance Co. of America
#68241
Individual Major Medical
97469MD001
Approved
(Read a summary of the decision)
Comment period now closed Dec. 31, 2013 9% 9%
Celtic Insurance Company
#80799
Individual Off Exchange Individual PPO
40777MD002
Withdrawn by company        
 BlueChoice Inc.
#96202
Small Group BlueChoice HMO HSA/HRA, HMO Referral, HMO
28137MD041
28137MD042
28137MD046
28137MD047
28137MD052
28137MD053
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
 BlueChoice Inc.
#96202
Small Group HealthyBlue Plus, Healthy Blue Advantage, BlueChoice Advantage
28137MD043
28137MD044
28137MD045
28137MD048
28137MD049
28137MD054
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
 BlueChoice Inc.
#96202
Small Group BlueChoice Plus and BlueChoice Plus HSA/HRA
28137MD050
28137MD051
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
CareFirst of Maryland Inc.
#47058
Small Group BluePreferred PPO HSA/HRA Small Group PPO
45532MD027
45532MD028
45532MD036
45532MD037
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
CareFirst of Maryland Inc.
#47058
Small Group HealthyBlue Plus HSA/HRA Small Group POS
45532MD038
45532MD039
45532MD040
45532MD041
45532MD042
45532MD043
45532MD044
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Group Hospitalization and Medical Services Inc.
#53007
Small Group HealthyBlue PPO HSA/HRA - Small Group PPO
94084MD015
94084MD016
94084MD026
94084MD027
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Group Hospitalization and Medical Services Inc.
#53007
Small Group HealthyBlue Plus Small Group POS
94084MD028
94084MD029
94084MD030
94084MD031
94084MD032
94084MD033
94084MD034
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Aetna Life Insurance Company
#60054
Small Group Aetna Preferred Provider Organizatin Small Group PPO
70767MD007
70767MD008
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Aetna Health, Inc.
95109
Small Group Aetna Health Maintenance Organization Small Group HMO
66516MD001
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Aetna Life Insurance Company
#60054
Individual Aetna Preferred Provider Organization Individual PPO
70767MD006
spreadsheet/text
Withdrawn        
Kaiser Foundation Health Plan of the Mid-Atlantic, States, Inc.
#95639
Individual KPIF HMO Individual HMO
90296MD062
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Kaiser Foundation Health Plan of the Mid-Atlantic, States, Inc.
#95639
Small Group Small Group HMO
90296MD054
spreadsheet/text
Approved
(Read a summary of the decision)
Comment period now closed March 1, 2014 n/a n/a
Group Hospitalization and Medical Services, Inc.
#53007
Individual BluePreferred HSA Individual PPO
94084MD013
94084MD014
94084MD024
94084MD025
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
CareFirst BlueChoice, Inc.
#96202
Individual BlueChoice Individual HMO
28137MD037
28137MD038
28137MD039
28137MD040
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
CareFirst BlueChoice, Inc.
#96202
Individual BlueChoice HMO Saver Individual HMO
28137MD002
Approved with modifications
(Read a summary of the decision)
Comment period now closed Nov. 1, 2013 9.90% -6.3% to 19.3%
CareFirst BlueChoice, Inc.
#96202
Individual HealthyBlue Triple Option Individual POS
28137MD005
Approved with modifications
(Read a summary of the decision)
Comment period now closed Nov. 1, 2013 9.90% -6.3% to 19.3%
CareFirst BlueChoice, Inc.
#96202
Individual HealthyBlue Dual Option HSA Individual HMO
28137MD006
Approved with modifications
(Read a summary of the decision)
Comment period now closed Nov. 1, 2013 9.90% -6.3% to 19.3%
CareFirst BlueChoice, Inc.
#96202
Individual BlueChoice HMO Individual HMO
28137MD019
Approved with modifications
(Read a summary of the decision)
Comment period now closed Nov. 1, 2013 9.90% -6.3% to 19.3%
CareFirst BlueChoice, Inc.
#96202
Individual BlueChoice HMO HSA Individual HMO28137MD020 Approved with modifications
(Read a summary of the decision)
Comment period now closed Nov. 1, 2013 9.90% -6.3% to 19.3%
CareFirst BlueChoice, Inc.
#96202
Individual HealthyBlue 2.0 Individual POS
28137MD021
Approved with modifications
(Read a summary of the decision)
Comment period now closed Nov. 1, 2013 9.90% -6.3% to 19.3%
CareFirst of Maryland, Inc.
#47058
Individual BluePreferred Individual PPO
45532MD025
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
CareFirst of Maryland, Inc.
#47058
Individual BluePreferred HSA Individual PPO
45532MD026
Approved
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Coventry Health Care of Delaware, Inc.
#96460
Individual

Off-Exchange Individual HMO
14468MD054

Individual Marketplace HMO
14468MD052

Withdrawn        
Coventry Health and Life Insurance Company
#68541
Individual

Off Exchange Individual PPO
68541MD111

Individual Marketplace PPO
68541MD109

Withdrawn        
Coventry Health Care of Delaware, Inc.
#96460
Small Group

Off Exchange Small Group HMO
14468MD055

Off-Exchange Small Group POS
14468MD056

SHOP HMO Small Group
14468MD053

Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Coventry Health and Life Insurance Company
#68541
Small Group

 Off-Exchange Small Group PPO
68541MD112

SHOP PPO Small Group
68541MD110
 

Approved with modifications
(Read a summary of the decision)

 
Comment period now closed Jan. 1, 2014 n/a n/a
BlueChoice
#96202
Individual BlueChoice HMO Individual HMO
28137MD001
Approved with modifications
(Read a summary of the decision)
Comment period now closed Nov. 1, 2013 9.90% -6.3% to 19.3%
MAMSI Life and Health Insurance
#60321
Small Group Choice - Small Group EPO
65635MD005
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
MAMSI Life and Health Insurance
#60321
Small Group Choice Plus Small Group POS
65635MD002
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
MAMSI Life and Health Insurance
#60321
Small Group Choice - Small Group EPO
65635MD005
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
MAMSI Life and Health Insurance
#60321
Small Group Choice Plus Small Group POS
65635MD002
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
United HealthCare Insurance Company #79413 Small Group Choice Plus - Small Group POS
31112MD002
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
United HealthCare Insurance Company #79413 Small Group Choice Small Group HMO
31112MD001
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
United HealthCare Insurance Company #79413 Small Group Choice Plus Small Group PPO
23620MD002
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
United HealthCare of the Mid-Atlantic #95025 Small Group Choice Plus - Small Group POS
31112MD002
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
United HealthCare of the Mid-Atlantic #95025 Small Group Choice Small Group HMO
31112MD001
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
Optimum Choice, Inc.
#96940
Small Group Optimum Choice Small Group HMO72375MD001
spreadsheet/text
Approved with modifications
(Read a summary of the decision)
Comment period now closed Jan. 1, 2014 n/a n/a
CareFirst of  Maryland
#47058
Individual Personal Comp - Individual Indemnity
45532MD001
Approved
(Read a summary of the decision)
Comment period now closed July 1, 2013 0.5% 0.0%-0.5%
CareFirst of  Maryland
#47058
Individual Personal Comp HIPAA - Individual Indemnity
45532MD005
Approved
(Read a summary of the decision)
Comment period now closed July 1, 2013 0.5% 0.0%-0.5%
CareFirst of Maryland
#47058
Individual Personal Comp HSA - Individual Indemnity
45532MD002
Approved
(Read a summary of the decision)
Comment period now closed July 1, 2013 0.5% 0.0%-0.5%
CareFirst of Maryland
#47058
Individual Individual Indemnity
45532MD004
Approved
(Read a summary of the decision)
Comment period now closed July 1, 2013 0.5% 0.0%-0.5%
Aetna Life Insurance Co.
#60054
Individual Aetna Preferred Provider Organization - Individual PPO
70767MD002
Approved
(Read a summary
of the decision
)
Comment period now closed Aug. 1, 2013 8.80% 8.8%-8.8%
CareFirst of Maryland Inc.
#47058
Small
Group
BluePreferred Small Group PPO
45532MD008
Approved with Modifications (Read a summary of the decision) Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
3.70% 0.0% - 4.7%
CareFirst of Maryland Inc.
#47058
Small
Group
Select Preferred Provider Plan - Small Group PPO
45532MD019
Approved with Modifications (Read a summary of the decision) Comment period now closed Aug.1, 2013
and
Oct. 1, 2013
3.70% 0.0% - 4.7%
CareFirst of Maryland Inc.
#47058
Small
Group
BluePreferred HSA Small Group PPO
45532MD009
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug 1, 2013
and
Oct. 1, 2013
3.70% 0.0% - 4.7%
CareFirst of Maryland Inc.
#47058
Small
Group
BluePreferred HDHP Small Group PPO
45532MD022
Approved with Modifications
(Read a summary of the decision)
Comment
period now closed
Aug. 1, 2013
and
Oct. 1, 2013
3.70% 0.0% - 4.7%
CareFirst of Maryland Inc.
#47058
Small
Group
BluePreferred HRA - Small Group PPO
45532MD010
Approved with Modifications
(Read a summary of the decision)
Comment
period now closed
Aug. 1, 2013
and
Oct. 1, 2013
3.70% 0.0% - 4.7%
BlueChoice Inc.
#96202
Small
Group
BlueChoice HMO Small Group HMO
28137MD007
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
BlueChoice HMO Open Access Small Group HMO
28137MD016
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
BlueChoice Opt-Out Open Access Small Group POS
28137MD017
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
BlueChoice HMO HSA Open Access Small Group
28137MD008 
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
BlueChoice Opt-Out Plus HSA Open Access Small Group POS
28137MD010 
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
HealthyBlue 2.0 HSA Small Group POS
28137MD025
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
HealthyBlue 2.0 HRA Small Group POS
28137MD027
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
 BlueChoice HMO Open Access HDHP Small Group HMO
28137MD035
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
BlueChoice Opt-Out Plus Open Access HDHP Small Group POS
28137MD036
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
BlueChoice HMO HRA Open Access Small Group
28137MD009
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
HealthyBlue 2.0 Small Group POS
28137MD022
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
HealthyBlue Advantage Small Group POS
28137MD031
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
HealthyBlue Advantage HSA Small Group POS
28137MD032
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.60% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
HealthyBlue Advantage HRA Small Group POS
28137MD033
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.6% 1.2% - 2.0%
BlueChoice Inc.
#96202
Small
Group
BlueChoice Advantage HSA Small Group POS
28137MD034
Approved with Modifications
(Read a summary of the decision)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
1.6% 1.2% - 2.0%
Group Hospitalization and Medical Services Inc.
#53007
Small
Group

BluePreferred Small Group PPO 
94084MD006

BluePreferred HSA Small Group PPO
94084MD007

BluePreferred HRA Small Group PPO
94084MD008

Select Preferred Provider Plan Small Group PPO
94084MD009

BluePreferred HDHP Small Group PPO
94084MD012

Approved with modifications.
(Read a summary of the decision
94084MD007,012
94084MD008,
94084MD006,009)
Comment period now closed Aug. 1, 2013
and
Oct. 1, 2013
4.40% 4.2% - 4.7%

*Public comments also may be mailed or faxed. Please include the filing's SERFF tracking number, which appears on the Consumer Friendly Summary. Only those letters postmarked by the stated deadline will be accepted. Address comments to the Maryland Insurance Administration, attn: Office of Public Affairs, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202. Fax comments to 410-468-2020, attn: Office of Public Affairs.

Read more about how the Maryland Insurance Administration provides health insurance rate information to consumers.