2026 Michigan Health Insurance Rate Change Requests Michigan SERFF Filing Access

Individual Market (AS FILED - SUBJECT TO DIFS APPROVAL) Healthcare.gov Rate Review
Below is a listing of issuers who intend to offer ACA-compliant health insurance policies in the INDIVIDUAL market in 2026. More detailed information can be found on Michigan's website through its SERFF Filing
Access database or in the Rate Review section of Healthcare.gov at the links provided above. Comments submitted prior to August 1, 2025 will be considered by DIFS in its review. We encourage you to
submit comments via email at [email protected] or by clicking the link for each filing.
Important Note: As rate changes vary by plan, geographic area, and tobacco status, individuals may experience rate changes different from the annualized change. In addition, individuals receiving tax
credits covering all or part of their premium will experience different rate changes due to the tax credit calculation. The 2026 tax credits will not be known until closer to the beginning of open enrollment on
November 1, 2025.
Annualized Rate Changes Number of Plans
On or Off
Participating
Marketplace
in Federally Requested- Requested- Current On or Off On SERFF Tracking Link to Submit
Issuer Name Approved with 15% or
Facilitated Primary* Secondary* Enrollment Marketplace Marketplace Number Public Comment
greater rate
Marketplace
increases
Alliance Health and Life Insurance Company No 13.3% 13.3%** TBD 1,442 7 4 0 HALP-134546094 Email Comment
Blue Care Network of Michigan Yes 16.3% 8.3% TBD 96,738 36 21 21 BCNT-134544507 Email Comment
HAP CareSource Yes 17.0% 7.9% TBD 18,825 29 14 29 HAPC-134545976 Email Comment
Blue Cross Blue Shield of Michigan Mutual Ins Co Yes 18.2% 14.5% TBD 56,689 14 9 9 BBMI-134544482 Email Comment
Health Alliance Plan (HAP) No 12.7% 12.7%** TBD 1,752 14 2 0 HALP-134546273 Email Comment
McLaren Health Plan Community Yes 19.2% 14.1% TBD 2,931 9 8 9 MCLH-134551040 Email Comment
Meridian Health Plan of Michigan, Inc. Yes 16.9% 4.1% TBD 156,012 21 14 17 CECO-134544542 Email Comment
Molina Healthcare of Michigan, Inc. Yes 18.6% 10.8% TBD 35,564 22 4 22 MHCM-134543818 Email Comment
Oscar Insurance Company Yes 4.4% -3.2% TBD 3,990 9 0 9 OHIN-134544208 Email Comment
Priority Health Yes 14.4% 10.0% TBD 121,940 74 32 49 PRHL-134544079 Email Comment
UnitedHealthcare Community Plan, Inc. Yes 25.3% 30.0% TBD 36,762 16 13 13 UHLC-134543850 Email Comment
Total - Individual Market 16.8% 10.0% TBD 532,645 251 121 178
* DIFS Bulletin 2025-15-INS required insurers to submit two rate filings in the individual market (Primary and Secondary). Primary assumes cost-sharing reductions (CSRs) remain unfunded, and Secondary assumes CSRs are funded.
**The funding of CSRs does not impact issuers only offering off-Marketplace plans; accordingly, Primary and Secondary rates are the same.

Definitions
Annualized Rate Changes: Requested/Approved Average rate change for the upcoming year. Individual rate changes will vary by plan, age, geographic area, and tobacco status.
Current Enrollment Number of individuals enrolled in plans currently offered by the issuer.
Number of Plans: On or Off Marketplace Total plans to be offered by the issuers in the upcoming year. Benefits and cost sharing vary between plans and may not be offered in every part of the state.
Number of Plans: On or Off Marketplace with 15% or Plans with rate increases equal to or exceeding 15% subject to additional rate review and disclosures.
greater rate increases
Number of Plans: On Marketplace Number of plans to be offered on the Marketplace (healthcare.gov). The difference from the On or Off column is the number of plans offered solely outside the Marketplace
SERFF Tracking Number Filing number assigned to the rate increase request made within the NAIC's SERFF filing system. Can be used to search the SERFF Filing Access database.

Rate changes, enrollment, and plan totals are as reported on issuers' Unified Rate Review Templates and/or SERFF rate filings.
This document satisfies 45 CFR 154.301(b) for public disclosure and input for Michigan's effective rate review program.

Updated: 7/14/2025
2026 Michigan Health Insurance Rate Change Requests Michigan SERFF Filing Access
Small Group Market (AS FILED - SUBJECT TO DIFS APPROVAL) Healthcare.gov Rate Review
Below is a listing of issuers who intend to offer ACA-compliant health insurance policies in the SMALL GROUP market in 2026. More detailed information can be found on Michigan's website through its SERFF
Filing Access database or in the Rate Review section of Healthcare.gov at the links provided above. Comments submitted prior to August 1, 2025 will be considered by DIFS in its review. We encourage you to
submit comments via email at [email protected] or by clicking the link for each filing.
Important Note: As rate changes vary by plan, geographic area, and tobacco status, individuals may experience rate changes different from the annualized change. Individual employee premiums will also
be affected by the amount the employer contributes to the total premium.
Annualized Rate Changes Number of Plans
On or Off
Participating
Marketplace
in Federally Requested- Requested- Current On or Off On SERFF Tracking Link to Submit
Issuer Name Approved with 15% or
Facilitated Primary* Secondary* Enrollment Marketplace Marketplace Number Public Comment
greater rate
Marketplace
increases
Alliance Health and Life Insurance Company No 8.4% NA TBD 15,927 32 0 0 HALP-134512021 Email Comment
Blue Care Network of Michigan No 12.4% NA TBD 125,146 273 13 0 BCNT-134498545 Email Comment
Blue Cross Blue Shield of Michigan Mutual Ins Co No 11.2% NA TBD 149,136 99 0 0 BBMI-134521162 Email Comment
Health Alliance Plan (HAP) No 8.5% NA TBD 18,620 25 0 0 HALP-134511985 Email Comment
Paramount Care of Michigan No 16.1% NA TBD 352 9 7 0 PARM-134536553 Email Comment
Paramount Insurance Company No 13.8% NA TBD 86 4 1 0 PARM-134500752 Email Comment
Priority Health No 9.7% NA TBD 91,385 76 0 0 PRHL-134529944 Email Comment
Priority Health Insurance Company (PHIC) No 7.0% NA TBD 2,712 14 0 0 PRHL-134505680 Email Comment
UnitedHealthcare Community Plan, Inc. No 16.0% NA TBD 801 13 9 0 UHLC-134505088 Email Comment
UnitedHealthcare Insurance Company No 16.2% NA TBD 7,960 28 20 0 UHLC-134504542 Email Comment
Total - Small Group Market 11.1% NA TBD 412,125 573 50 0
*Applicable only for individual market. See individual market footnote.

Definitions
Annualized Rate Changes: Requested/Approved Average rate change for the upcoming year. Individual rate changes will vary by plan, age, geographic area, and tobacco status.
Current Enrollment Number of individuals enrolled in plans currently offered by the issuer.
Number of Plans: On or Off Marketplace Total plans to be offered by the issuers in the upcoming year. Benefits and cost sharing vary between plans and may not be offered in every part of the state.
Number of Plans: On or Off Marketplace with 15% or Plans with rate increases equal to or exceeding 15% subject to additional rate review and disclosures.
greater rate increases
Number of Plans: On Marketplace Number of plans to be offered on the Marketplace (healthcare.gov). The difference from the On or Off column is the number of plans offered solely outside the Marketplace
SERFF Tracking Number Filing number assigned to the rate increase request made within the NAIC's SERFF filing system. Can be used to search the SERFF Filing Access database.

Rate changes, enrollment, and plan totals are as reported on issuers' Unified Rate Review Templates and/or SERFF rate filings.
This document satisfies 45 CFR 154.301(b) for public disclosure and input for Michigan's effective rate review program.

Updated: 7/14/2025