Connecticut: Preliminary 2027 unsubsidized ACA rate changes: Indy market up 15.7%, sm. group up 17.8%

Fri, 06/05/2026 - 2:50pm

CONNECTICUT INSURANCE DEPARTMENT RELEASES HEALTH INSURANCE RATE REQUEST FILINGS FOR 2027

The Connecticut Insurance Department (CID) has received rate filings from four health insurers for plans to be offered in the individual and small group markets, both on and off the state-sponsored exchange, Access Health CT . As part of CID’s statutory responsibilities, the CID will conduct a thorough and careful review of each filing to ensure compliance with Connecticut insurance laws and regulations.

The CID’s review process will examine each submission in detail, requiring insurers to provide justifications and supporting evidence for their requested rates. All filings are available on the CID’s website .

“These filings reflect a broader challenge facing Connecticut’s healthcare system. Connecticut families are under increasing pressure from rising healthcare costs, and the current trajectory is unsustainable,” said Connecticut Insurance Commissioner Josh Hershman. “As always, the Department’s experienced actuarial team will thoroughly review every filing to ensure requested rates are justified under state law. Lasting progress will require action across the healthcare system. Providers, hospital networks, pharmaceutical manufacturers, pharmacy benefit managers (PBMs), insurers, and policymakers all have a responsibility to help address the factors driving costs.”

This year there is a decrease in the number of rate filings because UnitedHealthcare and ConnectiCare have each notified the CID of planned internal insurer consolidations. Both companies will remain active in Connecticut’s health insurance market, and consumers will continue to have coverage options available from these companies for the 2027 plan year. Consumers affected by these changes will receive information from their insurer prior to the renewal explaining any impacts and available coverage options.

The 30-day public comment period for all filings begins Friday, June 5, 2026. The public can share comments online on the rate filing webpage or submit them by mail to the Connecticut Insurance Department at P.O. Box 816, Hartford, CT 06142-0816.

The CID will hold a public informational session on the requested rate filings in August, and members of the public will have an opportunity to speak. The date and time will be announced once finalized.

Open enrollment for the 2027 coverage year will begin in the Fall of 2026, consistent with prior years.

Via the filing summaries, it looks like ConnectiCare has dropped their ConnectiCare Inc. division (which only had around 700 enrollees a year ago anyway) on the individual market, while UnitedHealthcare has absorbed Oxford Health, which reduces the number of small group market carriers from four to just two.

It's also worth noting that one of ConnectiCare's two remaining divisions is technically not filing any rate change for 2027...not because their rates aren't going up, but because they're replacing all of their existing policies with all new ones, which means there's nothing to directly compare them against:

On June 1, 2026, ConnectiCare Insurance Company submitted rate filing for individual health plan(s) off the Exchange.

There are approximately 3,719 people covered under these policies.

The company will offer coverage off-exchange only for 2027, which compares to on-exchange only for 2026. All plan(s) are new. The rate increase is not applicable due to the lack of direct comparison of the current plans and the new plan(s).

If approved, the new rates would take effect January 1, 2027.

In any event, average unsubsidized 2027 premiums for the individual market are going up a requested average of 15.7%, while the small group market carriers are asking for a 17.8% hike.