State of Connecticut - Insurance Department

September 11, 2020
CONTACT: Jim Carson, Communications Director

Insurance Commissioner Issues Decisions
For 2021 Health Insurance Rates

Insurance Commissioner Andrew N. Mais today announced the Department has made final decisions on health insurance rate filings for the 2021 coverage year. As a result of these decisions, approximately 214,600 Connecticut consumers are projected to save $96 million.

The Department approved an average increase for individual plans of 0.01 percent, down from the average request of 6.29 percent. The average increase for small group plans is 4.1 percent, down from the requested average of just over 11.28 percent.

“Working on behalf of consumers, the Department was able to reduce the health insurance rate increase requests thanks to the hard work of our actuaries and professional staff,” Commissioner Mais said. “I will continue to work collaboratively with all stakeholders to find long-term savings while continuing to promote access and eliminate barriers to coverage here in Connecticut.”

Medical trend, a factor that includes rising health care costs such as the costs of prescription drugs and the increased demand for medical services, is rising at approximately 8.8 percent. Other factors contributing to the final decisions include the removal of adjustments attributed to the impact of COVID-19 and the removal of adjustments that reflected morbidity deterioration.

Click here to view the 2021 rate filings information

Click here to view the Final 2021 Rate Chart


On September 11, 2020 the Connecticut Insurance Department issued its final rulings on 14 health insurance rate filings for the 2021 individual and small group markets. The filings were made by 10 health insurers for plans that currently cover about 214,600 people.

The average increase for individual plans is 0.01 percent, reduced from an average request of 6.29 percent.

The average increase for small group plans is 4.1 percent, reduced from an average request of 11.28 percent.

Pricing Factors for 2021:

  • Trend: Trend is a factor that accounts for rising health care costs, including the cost of prescription drugs, and the increased demand for medical services.
  • Experience Adjustments: Adjustments made to the current premium rates to account for better or worse experience.
  • COVID-19: The potential impact on future claims to account for the COVID-19 pandemic.
  • Deteriorating Morbidity: As the small group market continues to contract the potential for deteriorating experience exists.

What’s Next

Open enrollment for the 2021 coverage year begins November 1, 2020.

Public Comment and Video of Informational Hearing

On September 2, 2020, the Department held an informational hearing for individual and small group plans marketed by Aetna, Anthem Health, Inc., ConnectiCare, Harvard Pilgrim and United/Oxford.


About the Connecticut Insurance Department: The mission of the Connecticut Insurance Department is to protect consumers through regulation of the industry, outreach, education and advocacy.

Consumers with questions about their insurance can get more information by:
  • Email us at
  • Ask a question or file a complaint online
  • Call the Consumer Helpline at 800-203-3447 or 860-297-3900.
  • Sign up for e-alerts to get the latest news, warnings and rate changes that may affect your premium
  • Download consumer FAQs on health, homeowner and auto coverage
  • Use the Department’s Speakers Bureau for public events.
  • Visit our Web site and follow the Department on Facebook, Twitter or YouTube