Some of you coming to this page may be looking for the 2027 ACA rate filings.
You’re not imagining things: they’re gone.
After thinking it over, I decided to remove them because they weren’t really serving the purpose of this site. They were also duplicating work that several other organizations are already doing better than I could.
If you’re looking for current ACA filing information, I recommend these resources:
- ACASignups.net, which tracks rate filings as they’re released;
- Take Command, which has an excellent visual tracker; and
- HealthCare.gov, where filings are typically posted around the beginning of August.
More importantly, though, I realized that the project wasn’t answering the question this site exists to answer.
Making it Make Sense, with the subtitle Understanding Your Employee Benefits, is written for employees, not benefits professionals. There are already many excellent resources written for industry experts. My goal is to help people understand the benefits they receive through work.
From that perspective, ACA rate filings don’t really answer the question most readers have: How much is my health insurance going to cost next year?
The answer is that, for most people with employer-sponsored coverage, the filings don’t tell us very much. ACA filings can provide insight into overall market trends and what some employers may face at renewal, but employee premiums are ultimately influenced by many other factors, including the employer’s contribution strategy, workforce demographics, plan design changes, inflation, carrier pricing decisions, and more.
That’s why I’ve decided to return this site to its original focus: tracking provider network contract negotiations — something which has an immediate and direct impact on members — and explaining employee benefits in plain English.
I do intend to keep following ACA rate filings because they remain an interesting indicator of broader trends. If there’s enough interest, I’d also be happy to write a separate article explaining what those filings can (and can’t) tell us about employer-sponsored health insurance.
In the meantime, I have a multi-part series in development exploring where provider networks came from, why they exist, and where they may be headed in the future.
Thanks for reading.