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PHAN Issues Statement on Proposed Rates for 2018 Health Insurance Plan

June 1, 2017

HARRISBURG, PA–Today the Pennsylvania Insurance Department (PID) released preliminary rate information for 2018 health insurance plans sold in the individual and small group markets, which includes the Health Insurance Marketplace (, in Pennsylvania. Open enrollment in the Health Insurance Marketplace this year will begin November 1st and end December 15th.

Antoinette Kraus, Executive Director of the Pennsylvania Health Access Network issued the following statement:

“Today’s preliminary rate filings signal that the Affordable Care Act is working in Pennsylvania as the marketplace begins to stabilize. Last year Pennsylvania faced double digit rate increases while the aggregate data released today shows rate increases of under 10% both in the individual and small group markets. These rate increases align with normal increases in a strong market. This positive news could be short lived if Congress and the Trump Administration pursue devastating actions to the individual market.  Efforts to undermine the law by failing to enforce the individual mandate or ending cost-sharing subsides would have drastic consequences on the cost of health insurance for Pennsylvanians. If both cost-sharing subsides and the individual mandate are eliminated, rates would go up by 36.6%.

The Affordable Care Act is still the law of the land, and this means that financial assistance is still available to help make insurance affordable for hardworking Pennsylvanians. Last year 80% of individuals enrolled in the marketplace received financial assistance. Open enrollment will be shorter this year, running from November 1st thru December 15th.

It’s clear the Pennsylvania is benefiting from the Affordable Care Act and that our market, without congressional meddling, can produce the right blend of products that meet consumer’s needs at a realistic price while keeping insurance companies solvent. It is time Congress and the Trump Administration do the right thing by fixing the Affordable Care Act instead of harming the gains we have made.”

Full rate filings will be available July 31st on the Insurance Departments website.


  • 426,059 are enrolled in a Marketplace plan
  • 54.84% are receiving cost sharing subsides to lower out of pocket costs
  • 80% of those enrolled are receiving financial assistance
  • $425 is the average premium tax credit