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State Effective Rate Review Programs | CMS

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The Affordable Care Act (ACA) brought an unprecedented level of scrutiny and transparency to health insurance rate increases. The ACA ensures that any proposed rate increase of 15% or more by an insurer in the individual or small group market will be scrutinized by independent experts to make sure it is justified. This analysis will help moderate premium hikes and lower costs for individuals, families, and businesses that buy insurance in these markets.

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