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Idaho Rate Review

As part of Idaho’s effective rate review process, since September 2011 the Idaho Department of Insurance has tracked and posted the rate changes of individual and small group health insurance products when the annual rate increase is 10 percent or greater. The table below includes summary information about each of those rate increase submissions. There may be rate increases that vary by product within the carrier’s submission, and in those cases the average rate increase percentage shown after the effective date may be less than 10 percent.

Click on the name of the company to see the carrier’s products within each category and timeframe. Only products with rate increases of 10 percent or greater are listed, so there may be other products that are not shown in the table. If you have a comment regarding any of the submissions, please use the “Comment” function next to the product of interest to let the Department of Insurance know. There is more detailed information about the rate increases available at the following sites:

The carrier’s explanation of the factors that contribute to the rate increase is available by clicking on the “Justification” link next to company’s name.
Rate Increases Under Review
Blue Cross of Idaho Health Service, Inc. (Justification)Individual; Effective 01/01/2016; 24.28%
Blue Cross of Idaho Health Service, Inc. (Justification)Small Group; Effective 01/01/2016; 12.96%
BridgeSpan Health Company (Justification)Individual; Effective 01/01/2016; 6.71%
Montana Health Cooperative (Justification)Individual; Effective 01/01/2016; 25.40%
Montana Health Cooperative (Justification)Small Group; Effective 01/01/2016; 24.55%
Regence Blue Shield of Idaho (Justification)Individual; Effective 01/01/2016; 10.10%
SelectHealth (Justification)Individual; Effective 01/01/2016; 14.68%
Time Insurance Company (Justification)Individual; Effective 01/01/2016; 72.29%

Past Rate Increases
John Alden Life Insurance Company (Justification)Small Group; Effective 05/01/2015; 26.26%
Blue Cross of Idaho Health Service, Inc. (Justification)Small Group; Effective 01/01/2015; 16.60%
BridgeSpan Health Company (Justification) Individual; Effective 01/01/2015; 10.39%
PacificSource Health Plans (Justification) Individual; Effective 01/01/2015; 36.90%
PacificSource Health Plans (Justification) Small Group; Effective 01/01/2015; 10.40%
PacificSource Health Plans (Justification) Individual; Effective 10/01/2014; 15.50%
PacificSource Health Plans (Justification)Small Group; Effective 10/01/2014; 30.70%
Blue Cross of Idaho Health Service, Inc. (Justification)Individual; Effective 01/01/2014; 15.24%