Every state insurance commissioner publishes proposed rate filings with actuarial memoranda. They predict premium changes 6–12 months out and leak medical trend assumptions. Nobody aggregates them.
What it is
State Rate Review Watch aggregates the rate filings every state insurance department publishes (with redactions varying by state) into one searchable, classified, and dated register. Each filing includes the proposed rate change, the actuarial memorandum, the medical trend assumption, the loss ratio detail, and — where unredacted — the underlying claims experience by service category.
Three buyer classes. Insurance brokers use it to anticipate the premium environment for renewals 6–12 months out and to position book-of-business strategy. Self-funded employers — and the benefits consultants serving them — use it to validate the medical trend assumptions their TPAs and reinsurers are using. Reinsurance underwriters use it to anchor pricing against directly disclosed cedent assumptions.
The product is the aggregation: state-by-state scraping of SERFF and state-specific portals, normalization of the inconsistent filing formats, and machine-readable extraction of the actuarial sections that today require an FTE-week to read across one state's filings. Sold under named institutional license.
Primary data sources
- NAIC SERFF (System for Electronic Rate and Form Filing) — Most states' rate filings
- State insurance department portals — Filings not routed through SERFF; varies by state
- Federal Rate Review (CMS) — ACA-required rate filings
- State actuarial memoranda — Medical trend assumptions, loss ratio detail, claims experience
Buyers
- Insurance brokers and benefits consultants
- Self-funded employer benefits teams
- Reinsurance underwriters
- Health-plan competitor intelligence teams
- State health policy researchers
Methodology
Filing coverage is state-by-state; the methodology page lists which states are fully covered, partially covered, or excluded. Every quoted figure links back to the source filing.
Inquire about access
State Rate Review Watch is sold under named institutional license. Pricing is scoped per engagement. Reach out with the institutional context (organization, role, intended use) and we'll route a relevant scope of work.