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Kentucky insurers submit preliminary health insurance rates

Rates could rise from 3.5 per cent from one carrier to a whopping 19.4 per cent for another, in two insurers initial requests. Actual rates for some could decrease. - CM Note
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Kentucky Press News Service
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FRANKFORT, KY (Fri 22 Jun 2018) - Insurance carriers have submitted proposed rates to the state's Department of Insurance for the 2019 individual and small group health insurance markets, according to a state news release.

The individual market preliminary filings confirm two insurers will serve the Kentucky market. Anthem Health Plans of Kentucky has requested an average rate increase of 3.5 percent across 13 different plan offerings. Anthem has also proposed an expansion of its service area to cover an additional 17 counties over its 2018 offering -- a move that will provide additional options for health coverage in those counties.

CareSource has also requested an average rate increase of 19.4 percent for its 12 different plan offerings. In 2019, CareSource expects to offer plans in the same 61 counties it presently serves.

The initial filings are preliminary and subject to change. The news release said experienced DOI health analysts and actuaries have commenced their review of the filings, and DOI expects that rates will be finalized in late August. Although rate requests are generally indicative of rate increases for consumers, individual premium costs depend on a variety of factors including age, smoking habits, and geographic location. Open enrollment for the plan year 2019 begins Nov. 1.

"The initial rate increase percentages for 2019 are not as high as in previous years and some policyholders could see rate decreases," DOI Commissioner Nancy Atkins said. "However, some individual consumers could face the prospect of increases on sometimes unaffordable rates. The federal government has begun undertaking certain regulatory reforms designed to increase state authority and flexibility in these markets and to promote the increased availability of affordable plan options. However, much work is left to be done to provide meaningful relief for Kentuckians."

The preliminary 2019 rate filings are available online on the DOI website at:

This story was posted on 2018-06-23 03:19:36


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