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Pennsylvania Expects Modest Premium Increases for 2019

June 05, 2018

Today, Pennsylvania’s Insurance Commissioner Jessica Altman announced that Pennsylvania health insurers are requesting an aggregate statewide increase of 4.9 percent for 2019 health insurance plans. This increase is a much lower increase than the national trend. Pennsylvania’s aggregate increase of 4.9 percent is lower than neighboring states New York (24%) and Maryland (30%). All of the health insurers that participated in the 2018 Pennsylvania health insurance market will remain in the market for 2019.

In addition, she announced that the state’s efforts to increase competition and stabilize the market have been effective:

  • Consumers in nearly half of Pennsylvania counties (31) will have more health insurers offering coverage and, as a result, more choices
  • The number of counties with only one insurer offering coverage will decrease 60 percent, from 20 this year to eight during 2019
  • Insurers currently selling in the small group market plans requested an aggregate statewide increase of 3 percent for 2019

As a result, individuals in Pennsylvania who qualify for federal subsidies won’t see a significant difference in their premiums for next year.

Federal efforts to unravel the Affordable Care Act (ACA) have caused upsets in the insurance marketplace for many states. With decreasing insurance enrollment expected next year in conjunction with the expected elimination of the ACA’s individual mandate, most states are projecting double-digit premium increases.

HAP and Pennsylvania hospitals continue to highlight the importance of the ACA in providing access to care for millions of Americans. Provisions of the legislation have supported more than 1.1 million Pennsylvanians through health insurance coverage, providing better access to health care services and dramatically reducing the uninsured population in Pennsylvania.

HAP continues to provide resources about the effects of the Affordable Care Act in Pennsylvania at its website.

For more information about the health insurance markets, contact Jolene Calla, vice president health care finance and insurance or Phillip M. Burrell, director, research and data analytics.

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