California Department of Insurance

What is a Rate?

A rate is the price for health insurance. It is also referred to as a "premium" or "premium rate."

What Are Health Rate Filings?

The law requires health insurers to notify both policyholders and the California Department of Insurance (CDI) when they propose to change their rates.

How does rate review work?

When an insurance company files its rates with CDI, our experts known as actuaries review the filing to make sure any proposed rate increase is justified. The Commissioner has the authority to review rates for reasonableness, but cannot approve or deny rate increases.

How can you participate?

You have an opportunity to provide feedback/comments for consideration by Department staff as they review filings for compliance with legal requirements and actuarial standards. Simply navigate to the details page for any rate filing to review or submit public comments.

If you would like to receive notifications when new filings are submitted for review, please register on our subscriptions site.

How to Find Your Insurance Company

Health insurance rate filings are posted as they become available. You can sort and filter the list of rate filings by company name, filing date, etc. Select any rate filing submission from the list to review additional details contained within the filing.

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Federal Site Info

Information about some rate filings are also posted on the website of the U.S. Department of Health and Human Services. You can find information about selected California health insurance rate filings by visiting the HealthCare.gov Rate Review webpage.