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PROPOSED AND APPROVED 2019 HEALTH INSURANCE PREMIUM RATES
FOR INDIVIDUAL AND SMALL GROUP MARKETS
Health insurers’ average requested premium rates and DFS approved premium rates for 2019 are summarized below. These numbers are weighted averages for all of the policies of each insurer in the individual or small group markets, so particular policyholder’s rate increases may differ.
For more information regarding the lowest cost premium rates in each rating region for each metal level please see this chart.
INDIVIDUAL MARKET
| Company Name | 2019 Requested Rates | DFS Final Approved 2019 Rates | DFS Modification as a Percent of Total Requested | Market Share |
|---|---|---|---|---|
| CDPHP* | 5.1% | -1.9% | -137.0% | 1.7% |
| Crystal Run Health Plan, LLC | 15.7% | 10.1% | -35.8% | 0.0% |
| Emblem* | 31.5% | 17.0% | -46.1% | 8.4% |
| Empire Healthchoice Assurance* | 24.0% | 0.0% | -100.0% | 7.9% |
| Excellus* | 8.9% | 4.6% | -48.6% | 8.2% |
| Fidelis (New York Quality Healthcare Corp)* | 38.6% | 13.7% | -64.5% | 30.4% |
| Healthfirst Insurance Company, Inc. | 15.0% | 8.8% | -41.3% | 0.1% |
| Healthfirst PHSP, Inc.* | 15.0% | 9.5% | -36.7% | 8.8% |
| Healthnow New York* | -3.2% | -3.2% | 0.0% | 2.2% |
| IHBC* | 21.3% | 0.6% | -97.3% | 1.5% |
| MetroPlus* | 13.5% | 13.5% | 0.0% | 4.3% |
| MVP Health Plan* | 6.5% | 1.9% | -71.3% | 9.0% |
| Oscar* | 25.2% | 11.0% | -56.3% | 15.4% |
| UnitedHealthcare of New York Inc* | 23.6% | 1.5% | -93.5% | 2.1% |
| Weighted Average | 24.0% | 8.6% | -64.0% | 100.0% |
* Indicates the company offers products on the New York State of Health Marketplace.
SMALL GROUP MARKET
| Company Name | 2019 Requested Rates | DFS Final Approved 2019 Rates | DFS Modification as a Percent of Total Requested | Market Share |
|---|---|---|---|---|
| Aetna Life | 16.2% | 7.9% | -51.6% | 4.1% |
| CDPHP | 6.7% | 0.0% | -100.0% | 0.4% |
| CDPHP UBI | 6.1% | 1.5% | -75.4% | 2.0% |
| Crystal Run Health Insurance Company | 11.5% | 8.9% | -23.0% | 0.2% |
| Crystal Run Health Plan, LLC | 12.5% | 9.8% | -21.4% | 0.1% |
| Emblem | 12.0% | 9.8% | -18.3% | 1.5% |
| Empire Healthchoice Assurance | 6.0% | 5.0% | -17.0% | 1.7% |
| EmpireHealthchoice HMO | 5.2% | 9.2% | 75.2% | 0.2% |
| Excellus* | 3.8% | 3.8% | -0.8% | 16.6% |
| Healthfirst Health Plan, Inc. | 21.0% | 16.0% | -23.6% | 0.0% |
| Healthfirst Insurance Company, Inc. | 7.0% | 6.4% | -9.1% | 0.6% |
| Healthnow New York | -0.1% | 0.3% | 383.6% | 7.4% |
| IHBC* | 3.8% | 4.7% | 24.0% | 3.7% |
| MetroPlus* | 4.7% | 9.6% | 103.5% | 0.1% |
| MVP Health Plan | 7.0% | 6.6% | -6.1% | 0.2% |
| MVP Health Service Corp* | 10.3% | 9.1% | -11.8% | 6.6% |
| Oscar | 3.0% | 2.0% | -34.5% | 0.8% |
| Oxford Health Insurance Inc* | 8.3% | 3.0% | -64.0% | 53.6% |
| UnitedHealthcare Ins Company of New York | 7.2% | -1.0% | -113.3% | 0.1% |
| Weighted Average | 7.5% | 3.8% | -50.0% | 100.0% |
* Indicates the Company offers products on the NY State of Health Marketplace.