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DISB Approves Rates for 2015 Health Plan Offerings on DC Health Link

Monday, September 15, 2014

The D.C. Department of Insurance, Securities and Banking today announced the approved health insurance plan rates for the District of Columbia’s health insurance marketplace, DC Health Link, for plan year 2015.

Eight carriers through four major insurance companies – Aetna, CareFirst BlueCross BlueShield, Kaiser Permanente and UnitedHealthcare – will have plan offerings for individuals, families and small businesses on DC Health Link when enrollment opens Nov. 15, 2014.

Insurers filed initial rates with the department in June. Since then, the department has engaged in its rate review process resulting in three out of the four insurers revising their rates down from their initial filings.

“The department carefully scrutinized the filings to ensure that the rates are fair and reasonable,” said Acting Commissioner Chester A. McPherson. “The result is a diversity of health plans in terms of cost and choice for District residents and small businesses, and nearly all of the insurers revised their rates down from what they originally proposed in June.”

The chart below shows changes in rates from the insurance companies’ original filings compared to the approved rates following the department’s rate review process. 

Carrier Originally Filed Rate Changes Compared to 2014 - Individual Originally Filed Rate Changes Compared to 2014 - Small Group Approved Rate Changes - Individual Approved Rate Changes - Small Group
CareFirst HMO
(CareFirst BlueChoice)
13.4% 12.9% 7.6% 12.7%
CareFirst PPO 
(GHMSI)
12.1% 12.1% 5.5% 10.5%
Aetna HMO n/a 1.3% n/a -2.8%
Aetna PPO -0.2% -13.7% -6.1% -17.2%
UnitedHealthcare PPO n/a -8.0% n/a -13.0%
UnitedHealthcare HMO
(Optimum Choice, Inc.)
n/a -8.0% n/a -13.0%
UnitedHealthcare HMO
(UnitedHealthcare of the Mid-Atlantic)
n/a New n/a -0.3%
Kaiser Permanente HMO 2.2% 6.8% 2.2% 6.8%

Forty-one new plans are available for 2015; all in the small group or “SHOP” market with the exception of one individual plan. UnitedHealthcare and Aetna also eliminated some plans that had little or no enrollment in 2014, resulting in a total of 227 plans for sale on DC Health Link for 2015 (31 plans for individuals and 196 small group plans), compared to the 301 plans offered for 2014 (34 individuals and 267 small group plans). 

For more information about the approved 2015 health insurance plan rates including the rate filings and other charts, follow this link or at disb.dc.gov/2015rates