DOI Bruce Rauner Governor Anne Melissa Dowling, Acting Director

Individual Major Medical Health Policy Rate Filing Report

Data Last Updated 12/27/2010

Submit a comment on a rate filing

Introduction

The Department provides this Report to inform Illinois health insurance consumers seeking to learn more about rate increases to individual major medical health policies. The Department continues to improve the clarity and completeness of the information presented in this Report, including information about rates for small and large group policies, and encourages you to check back frequently for updates.

Illinois law allows for underwriting and rating of individual major medical health insurance policies based on health status as well as several other factors. Illinois law does not limit the amount an insurance company can charge based on health status.

Individual Market Premium Increases

  2005 2006 2007 2008 2009 2010
Number of Rate Filings 60 42 56 58 83 34
Average Change in Base Rate +21.1% +20.1% +20.1% +18.8% +14.8% +18.3%
Median Change in Base Rate +20% +16% +20% +18% +13% +14.7%
Medical Inflation +4.2% +4.0% +4.4% +3.7% +3.2% +3.4%

Individual Rate Filings Since 2005

Explanations of terms used in the chart.

Company Name Filing Date % Rate Change Policy Name/Number Open/Closed
CONTINENTAL GENERAL INSURANCE 1/10/2005 +12% PPQ Closed
AMERICAN NATIONAL LIFE 1/20/2005 +30% ANL-KMMT, AML-KMM92, ANL-KM95 Closed
THRIVENT FINANCIAL FOR LUTHERANS 1/21/2005 +70% BMM, DMM, EMM Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 1/25/2005 +16% PMED Closed
THRIVENT FINANCIAL FOR LUTHERANS 1/25/2005 +80% AMA Closed
AMERICAN REPUBLIC INSURANCE COMPANY 2/28/2005 +21% for Option A;
+11% for Option B
A-3310, A-3326 Open
TRUSTMARK INSURANCE COMPANY 3/25/2005 +17% TELE-MED IV Closed
WORLD INSURANCE 3/25/2005 +23% A3601, A3602, A3603, A3604, A3605, A3606 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 3/29/2005 +20% HAS Open
AMERICAN NATIONAL INSURANCE 4/20/2005 +30% POOLED Closed
GUARANTEE TRUST LIFE 4/20/2005 +49% 6005MM, 6035MM Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 4/20/2005 +40% H-28 Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/25/2005 +18% 640, 650, 680 Closed
THRIVENT FINANCIAL FOR LUTHERANS 4/25/2005 +35% H-1 Closed
KNIGHTS OF COLUMBUS 5/2/2005 +25% KMD, KMM1 Closed
NEW YORK LIFE INSURANCE 5/2/2005 +40% 51-160, 5502-1, 6170-1, 6670-1, 6970-1, 8280-1, 8281-1, 8570-1, 8580-1, 8581-1 Closed
THE TRAVELERS INSURANCE  5/2/2005 +20% GR1-GR6B , MGR1-MGR7 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/5/2005 +15% 800 94, 880 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/5/2005 +50% 840, 860 Closed
PRUDENTIAL INSURANCE 5/5/2005 +27% CHIP34500C-B Closed
ILLINOIS MUTUAL LIFE INSURANCE 5/12/2005 +25% 743, 744, 745, 746, 760, 775, 776, 843, 885, 886 Closed
TRUSTMARK INSURANCE COMPANY 5/16/2005 +35% OLD FORMS Closed
GUARANTEE TRUST LIFE 5/26/2005 +20% 841500, 90100 Closed
INVESTORS LIFE INSURANCE COMPANY 5/26/2005 +30% 621, 622, 623, 624, 671, 672, 673, 674 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% CB-5, CB-6, CB-7, CC-24, CC-26, CC-01.1, CC-0.01 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB-10 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB11, DB-12 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB-13, DB-15, DB-18, DB-19, DB-24, DB-25 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB-18 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB-19, DB-20 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB-22, DB-23, DB-26, DB-40, DB-41 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB-42, DB-43, DB-44, DB-45 Closed
HEALTH CARE SERVICE CORPORATION  6/3/2005 +9% DB-42, DB-43, DB-44, DB-45 Open
HEALTH CARE SERVICE CORPORATION  6/3/2005 +2.7% DB-46, DB-47 Open
HEALTH CARE SERVICE CORPORATION  6/3/2005 +2.7% DB-48, DB-49 Open
HUMANA INSURANCE 6/3/2005 +8% GN-70129 / IL-70129 Open
CONTINENTAL GENERAL INSURANCE 6/9/2005 +25% 01A, 01C, 116, 12A, 12M, 19A, 544 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 6/15/2005 +31.8% H-95 Closed
CONTINENTAL GENERAL INSURANCE 6/22/2005 +20% PPQ Closed
AMERICAN REPUBLIC INSURANCE COMPANY 7/1/2005 +20% A-2434, A-2481, A-2484, A-2485, A-2523, A-2718, A-2744, A-2745, A-2927, A-3062, A-3064, A-3065, A-3066, A-3067, A-3166, A-3167,   Open
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 7/6/2005 +21% H14 Closed
CENTRAL UNITED LIFE INSURANCE 7/11/2005 +15% MMGR/OR Closed
GOLDEN RULE INSURANCE COMPANY 7/27/2005 +25% AS-208, GR-108 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 8/9/2005 +6% H425 Closed
KANSAS CITY LIFE INSURANCE COMPANY 8/30/2005 +25% L5333GR, L5337, L5360, L5700 Closed
THE PYRAMID LIFE INSURANCE 9/22/2005 +30% G-91 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 10/5/2005 +10% RURL Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 10/5/2005 +25% ACM, CMM Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 10/5/2005 +25% CBM Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 10/5/2005 +20% LMM Closed
TRUSTMARK INSURANCE COMPANY 10/5/2005 +20% TELE-MED V Closed
PHYSICIANS MUTUAL INSURANCE 10/18/2005 +45% P295, P297 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 10/18/2005 +17.5% for Option A;
+10% for Option B
A-3310, A-3326 Open
HUMANA INSURANCE 10/18/2005 +8% for $500 deductible;
+1% for $1, 000 deductible;
-1% for $1, 000 deductible;
-5.1% for $5, 000 deductible
GN-70129 / IL-70129 Open
CONTINENTAL GENERAL INSURANCE 12/8/2005 +20% 01A, 01C, 116, 12A, 12M, 19A, 544 Closed
THRIVENT FINANCIAL FOR LUTHERANS 1/17/2006 +60% AMA Closed
THRIVENT FINANCIAL FOR LUTHERANS 1/17/2006 +35% BMM, DMM, EMM Closed
PRUDENTIAL INSURANCE 1/24/2006 +15% PRUD-MED 83 Closed
GOLDEN RULE INSURANCE COMPANY 1/30/2006 +14% GR1-H1, GR1-H8 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 2/10/2006 +25% A-3310, A-3326 Open
AMERICAN NATIONAL LIFE 2/22/2006 +17% ANL-KMMT, AML-KMM92, ANL-KM95 Closed
WORLD INSURANCE 3/9/2006 +9% A3601, A3602, A3603, A3604, A3605, A3606 Closed
CONTINENTAL GENERAL INSURANCE 4/5/2006 +8% PPQ Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/7/2006 +10% PMED Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% CB-5, CB-6, CB-7, CC-24, CC-26, CC-01.1, CC-0.01 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% DB-10 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% DB11, DB-12 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% DB-13, DB-15, DB-18, DB-19, DB-24, DB-25 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% DB-18 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% DB-19, DB-20 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% DB-22, DB-23, DB-26, DB-40, DB-41 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +6.4% DB-42, DB-43, DB-44, DB-45 Closed
HEALTH CARE SERVICE CORPORATION  4/18/2006 +9.3% DB-42, DB-43, DB-44, DB-45 Open
HEALTH CARE SERVICE CORPORATION  4/18/2006 +6.4% DB-46, DB-47 Open
HEALTH CARE SERVICE CORPORATION  4/18/2006 +6.4% DB-48, DB-49 Open
HEALTH CARE SERVICE CORPORATION  4/18/2006 +6.4% DB-50, DB-51 Open
WORLD INSURANCE 5/1/2006 +25% A3570, A3680, A3685, A3690, A3695, A3800, A3810, A3820, A3830 Closed
PRUDENTIAL INSURANCE 5/12/2006 +60% CHIP34500C-B Closed
AMERICAN NATIONAL INSURANCE 6/12/2006 +17% POOLED Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 7/6/2006 +15% 640 Closed
ILLINOIS MUTUAL LIFE INSURANCE 7/25/2006 +25% 743, 744, 745, 746, 760, 775, 776, 843, 885, 886 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 8/2/2006 +30% H-28 Open
GUARANTEE TRUST LIFE 10/11/2006 +25% 6005MM, 6035MM Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 10/12/2006 +17% for H-400;
+32% for H-425
H-400, H-425 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 10/12/2006 +39.3% H-95 Closed
CONTINENTAL GENERAL INSURANCE 10/12/2006 +10% 01A, 01C, 116, 12A, 12M, 19A, 544 Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 10/17/2006 +20% LMM Closed
THRIVENT FINANCIAL FOR LUTHERANS 10/18/2006 +33% H-1 Closed
PEKIN LIFE INSURANCE COMPANY 11/16/2006 +20% H39 Open
PHYSICIANS MUTUAL 11/22/2006 +45% P295, P297 Closed
TRUSTMARK INSURANCE COMPANY 11/28/2006 +35% OLD FORMS Closed
GUARANTEE TRUST LIFE 12/8/2006 +20% 841500, 90100 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 12/19/2006 +30% A-2434, A-2481, A-2484A-2523, A-2718, A-2744, A-2745, A-2927, A-3062, A-3064, A-3065, A-3066, A-3067, A-3166, A-3167,   Open
AMERICAN REPUBLIC INSURANCE COMPANY 12/21/2006 +30% A-3310, A-3326 Open
WORLD INSURANCE 12/28/2006 +15% A3601, A3602, A3603, A3604, A3605, A3606 Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 12/29/2006 +7% ACM, CMM Closed
PYRAMID LIFE INSURANCE 1/4/2007 +40% G-81 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 1/4/2007 +30% A-3393, A-3394 Open
AXA EQUITABLE LIFE INSURANCE COMPANY 1/11/2007 +30% ACM, CMM Closed
CONTINENTAL GENERAL INSURANCE 1/11/2007 +10% PPQ Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 1/22/2007 +5% H-600 Open
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 1/23/2007 +39.3% H14 Closed
PEKIN LIFE INSURANCE COMPANY 1/23/2007 +20% H8 Closed
PEKIN LIFE INSURANCE COMPANY 2/10/2007 +20% H1 Closed
PEKIN LIFE INSURANCE COMPANY 2/10/2007 +20% H17 Closed
PEKIN LIFE INSURANCE COMPANY 2/10/2007 +20% H21 Closed
PEKIN LIFE INSURANCE COMPANY 2/10/2007 +20% H29 Open
PEKIN LIFE INSURANCE COMPANY 2/10/2007 +20% H30 Open
PEKIN LIFE INSURANCE COMPANY 2/10/2007 +10% H38 Open
PEKIN LIFE INSURANCE COMPANY 2/10/2007 +10% H39 Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 3/5/2007 +50% 840, 860 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 3/7/2007 +20% 800, 880 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 3/7/2007 +12.68%  HSA Open
AMERICAN INSURANCE COMPANY OF TEXAS 3/14/2007 +30.5% K4954, K5115, K5388, MM86 Closed
TRUSTMARK INSURANCE COMPANY 4/12/2007 +17% TELE-MED IV Closed
THRIVENT FINANCIAL FOR LUTHERANS 5/1/2007 +60% AMA Closed
THRIVENT FINANCIAL FOR LUTHERANS 5/1/2007 +40% BMM, DMM, EMM Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/1/2007 -18%  ICDHP-HSA Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/1/2007 -18%  ICDHP-TIER Open
PRUDENTIAL INSURANCE 5/2/2007 +48% PRUD-MED 83 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/9/2007 +12% 880 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/9/2007 +50% 890 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/9/2007 +12% 980 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 5/23/2007 +22% A-2434, A-2481, A-2484A-2523, A-2718, A-2744, A-2745, A-3064, A-3065, A-3066, A-3067, A-3167, A-3393, A-3394 Open
AMERICAN REPUBLIC INSURANCE COMPANY 5/23/2007 +20% A-3310, A-3326 Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/29/2007 +20%  PMED Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 5/29/2007 -18% for new business PMED Open
KANSAS CITY LIFE INSURANCE 6/4/2007 +25% L5333, L5337, L5360, L5700 Closed
KNIGHTS OF COLUMBUS 6/4/2007 +15% KMD, KMM1, KMP1 Closed
GOLDEN RULE INSURANCE COMPANY 6/8/2007 +12% AS-208, GR-108 Closed
HEALTH CARE SERVICE CORPORATION 6/26/2007 +10% CB-5, CB-6, CB-7, CC-0.01, CC-5, CC-6, CC-26, DB-10, DB-11, DB-12, DB-13, DB-15, DB-18, DB-19, DB-24 Closed
HEALTH CARE SERVICE CORPORATION  6/26/2007 +10.2% DB-22, DB-23, DB-26, DB-40, DB-41 Closed
HEALTH CARE SERVICE CORPORATION  6/26/2007  +8.5%
DB-42, DB-43, DB-44, DB-45 Open
HEALTH CARE SERVICE CORPORATION  6/26/2007 +8.5% DB-50, DB-51 Open
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 6/29/2007 +35% H-28 Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 8/7/2007 +25% BMM Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 8/8/2007 +40% H-235 Closed
GUARANTEE TRUST LIFE 8/17/2007 +25% 6005MM, 6035MM Closed
THRIVENT FINANCIAL FOR LUTHERANS 8/17/2007 +40% H-1 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 8/17/2007 +18% for in-force business;
-18% for new business
HSA Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 8/24/2007 +20% 640, 680 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 8/24/2007 +20% 800, 880 Closed
ILLINOIS MUTUAL LIFE INSURANCE 8/24/2007 +25% 743, 744, 745, 746, 760, 775, 776, 843, 885, 886 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 8/27/2007 +25% 840, 860 Closed
CENTRAL UNITED LIFE INSURANCE COMPANY 9/11/2007 +25% 123, 96077, A6308, CGR-61, H220, HMM60, HN200, 0056, TCBS1 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 10/10/2007 +10% A-3310, A-3326 Open
AXA EQUITABLE LIFE INSURANCE COMPANY 10/29/2007 +30% ACM, CMM Closed
AMERICAN REPUBLIC INSURANCE COMPANY 11/5/2007 +30% A-2523, A-2718, A-2744, A-2745, A-3064, A-3065, A-3066, A-3067, A-3167, A-3393, A-3394 Open
GOLDEN RULE INSURANCE COMPANY 12/19/2007 +12% GR1-H1, GR1-H8 Closed
GUARANTEE TRUST LIFE 12/27/2007 +10% 841500, 90100 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/28/2007 +10%  RUR Closed
AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS 1/3/2008 +17% ANL-KMMT Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 1/15/2008 +33% H14 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 1/15/2008 +33% H-95 Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 1/25/2008 +25% CBM Closed
THE PYRAMID LIFE INSURANCE COMPANY 2/5/2008 +30% H-71, G-30, G-31, G-50, G-51, G-90, G-91, G-94 Closed
PERSONALCARE INSURANCE COMPANY 2/8/2008 +2.9% INDPPO Open
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 3/4/2008 +19.5% H-400, H-425 Open
THRIVENT FINANCIAL FOR LUTHERANS 3/11/2008 +40% BMM, DMM, EMM Closed
THRIVENT FINANCIAL FOR LUTHERANS 3/12/2008 +50% AMA Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/9/2008 +18% ICDHP-HSA Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/9/2008 +18 for in-force business;
-5% for new business
ICDHP-TIER Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/10/2008 +10% RUR Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 4/25/2008 +33% AH-50 Closed
CONTINENTIAL GENERAL INSURANCE 5/6/2008 +50% FORM01A, FORM01C, FORM116, FORM12A, FORM12M, FORMPPQ Open
TRUSTMARK INSURANCE COMPANY 5/14/2008 +17% TELE-MED IV Closed
TRUSTMARK INSURANCE COMPANY 5/14/2008 +17% TELE-MED V Closed
HEALTH ALLIANCE MEDICAL PLANS 5/14/2008 +15% for policies issued more than 3 years prior;
+4.9% for policies issued in 3 years prior;
-15% for new business
Individual Open
PEKIN LIFE INSURANCE COMPANY 5/27/2008 +15% H30 Open
PEKIN LIFE INSURANCE COMPANY 5/27/2008 +15% H38 Open
PEKIN LIFE INSURANCE COMPANY 5/27/2008 +15% H39 Open
PEKIN LIFE INSURANCE COMPANY 5/27/2008 +15% H41 Open
GOLDEN RULE INSURANCE COMPANY 5/30/2008 +15% GR1-H1, GR1-H8 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 5/30/2008 +18.2% H-600 Open
HUMANA INSURANCE COMPANY 5/30/2008 +1.1% GN-70129, IL-70129 Open
AMERICAN NATIONAL INSURANCE COMPANY 6/4/2008 +17% OLD FORMS Closed
WORLD INSURANCE COMPANY 6/6/2008 +22% OLD FORMS Closed
AMERICAN REPUBLIC INSURANCE COMPANY 6/20/2008 +15% A-2523, A-2718, A-2744, A-2745, A-3064, A-3065, A-3066, A-3067, A-3167, A-3393, A-3394 Open
AMERICAN REPUBLIC INSURANCE COMPANY 6/20/2008 +20% A-3310, A-3326 Open
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 6/25/2008 +30% H-28 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 6/27/2008 +38% A-1589, A-2288 Closed
WORLD INSURANCE COMPANY 7/14/2008 +30% A-3601, A-3602, A-3603, A-3604, A-3605, A-3606 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 7/25/2008 +4.8%  ICDHP-HSA Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 7/25/2008 +4.7%  ICDHP-TIER Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 7/25/2008 +4.1%  PMEDII Open
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 7/30/2008 +20% CHIP 34500C-B Closed
THRIVENT FINANCIAL FOR LUTHERANS 8/21/2008 +35% H-1 Closed
HEALTH CARE SERVICE CORPORATION 8/26/2008 +18% CB-5, CB-6, CB-7, CC-0.01, CC-5, CC-6, CC-26, DB-10, DB-11, DB-12, DB-13, DB-15, DB-18, DB-19, DB-24 Closed
HEALTH CARE SERVICE CORPORATION 8/26/2008 +18% DB-22, DB-23, DB-26, DB-40, DB-41 Closed
HEALTH CARE SERVICE CORPORATION 8/26/2008 +18% DB-42, DB-43, DB-44, DB-45 Closed
HEALTH CARE SERVICE CORPORATION 8/26/2008 +12.6% DB-42, DB-43, DB-44, DB-45 Open
HEALTH CARE SERVICE CORPORATION 8/26/2008 +9% DB-46, DB-47, DB-48, DB-49 Open
HEALTH CARE SERVICE CORPORATION 8/26/2008 +9% DB-50, DB-51 Open
PERSONALCARE INSURANCE COMPANY 9/3/2008 +2.95% INDPPO Open
TRUSTMARK INSURANCE COMPANY 9/17/2008 +25% GMD-IL, GCA-167, GHC-180 Open
UNITED TEACHER ASSOCIATES INSURANCE COMPANY 10/3/2008 +25% 708, 75.791, 69MG, 1-A1-563, 1708, 63GR01, 67.790, L160, P1-51833 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 10/23/2008 +20% 800, 880 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 10/23/2008 +20% 840, 860 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 10/23/2008 +18% HSA Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 10/23/2008 +15% ICDHP-HSA Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 10/23/2008 +20% ICDHP-TIER Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 10/24/2008 +20% for issues after 1/1/2006;
+30% for issues prior to 1/1/2006
PMED Closed
CENTRAL UNITED LIFE INSURACE COMPANY 12/24/2008 +35% 123, 96077, A6308, CGR-61, H220, HMM60, HN200, 0056, TCBS1 Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 12/29/2008 +25% ACM, CMM Closed
PERSONALCARE INSURANCE COMPANY 12/29/2008 +3.2% INDPPO Open
UNION HEALTH SERVICE INC. (HMO) 1/5/2009 +2.4% Clinic -
UNION HEALTH SERVICE INC. (HMO) 1/6/2009 +7.1% Non-Clinic -
UNION HEALTH SERVICE INC. (HMO) 1/7/2009 +5.3% HMO -
HUMANA HEALTH PLAN, INC. (HMO) 1/9/2009 +3% Staff Model Network -
PERSONALCARE INSURANCE COMPANY 1/16/2009 +2.9% INDPPO Open
TRUSTMARK INSURANCE COMPANY 1/19/2009 +32% OLD FORMS Closed
KNIGHTS OF COLUMBUS 1/27/2009 +15% KMD, KMMI, KMP1 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 1/28/2009 +20% 640, 650, 680 Closed
AMERICAN FAMILY INSURANCE COMPANY 2/25/2009 +40% H-235 Closed
WORLD INSURANCE COMPANY 2/25/2009 +19.5% A3601, A3602, A3603, A3604, A3605, A3606 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 2/25/2009 +14% A-2718, A-2744, A-2745, A-3064, A-3065, A-3066, A-3067, A-2523, A-3167 Open
GUARANTEE TRUST LIFE INSURANCE COMPANY 4/13/2009 +25% 6005-MM, 6035-MM Closed
AMERICAN NATIONAL LIFE INSURANCE CO OF TEXAS 4/21/2009 +30% ANL-KMMT Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/22/2009 +14% ICDHP-HSA Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/22/2009 +16% ICDHP-TIER Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 4/22/2009 +16% PMEDII Open
HUMANA HEALTH PLAN, INC. (HMO) 5/4/2009 +14% Conversion Personal Plan  Closed
HUMANA HEALTH PLAN, INC. (HMO) 5/4/2009 +14% HHP Direct Payment Plans Closed
HUMANA HEALTH PLAN, INC. (HMO) 5/4/2009 +12% Michael Reese Personal Plan Closed
HUMANA INSURANCE COMPANY 5/5/2009 -0.3% GN-70129, IL-70129 Open
HUMANA INSURANCE COMPANY 5/12/2009 +14.2% GN-70129, IL-70129 Open
PEKIN LIFE INSURANCE COMPANY 5/14/2009 +15% H29 Open
HEALTH CARE SERVICE CORPORATION 6/5/2009 +8.4% CB-5, CB-6, CB-7, CC-0.01, CC-5, CC-6, CC-26, DB-10, DB-11, DB-12, DB-13, DB-15, DB-18, DB-19, DB-24 Closed
HEALTH CARE SERVICE CORPORATION 6/5/2009 +8.4% DB-22, DB-23, DB-26, DB-40, DB-41 Closed
HEALTH CARE SERVICE CORPORATION 6/5/2009 +8.4% DB-42, DB-43, DB-44, DB-45 Closed
HEALTH CARE SERVICE CORPORATION 6/5/2009 +8.4% DB-43, DB-44, DB-45 Open
HEALTH CARE SERVICE CORPORATION 6/5/2009 +8.4% DB-46, DB-47, DB-48, DB-49 Open
HEALTH CARE SERVICE CORPORATION 6/5/2009 +6.3% DB-50, DB-51 Open
PERSONALCARE INSURANCE COMPANY 6/10/2009 +3.2% INDPPO Open
HEALTH CARE SERVICE CORPORATION (HMO) 7/7/2009 +19.8 Series DB-1 HCSC -
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 7/13/2009 +40% 890 Closed
PEKIN LIFE INSURANCE COMPANY 7/24/2009 +20% H17 Closed
PEKIN LIFE INSURANCE COMPANY 7/24/2009 +20% H21 Closed
PEKIN LIFE INSURANCE COMPANY 7/24/2009 +20% H29 Open
PEKIN LIFE INSURANCE COMPANY 7/24/2009 +20% H30 Open
PEKIN LIFE INSURANCE COMPANY 7/24/2009 +20% H38 Open
PEKIN LIFE INSURANCE COMPANY 7/24/2009 +20% H39 Open
PEKIN LIFE INSURANCE COMPANY 7/24/2009 +20% H41 Open
AMERICAN NATIONAL INSURANCE COMPANY 8/4/2009 +30% OLD FORMS Closed
GOLDEN RULE INSURANCE COMPANY 8/4/2009 +13% GR1-H1, GR1-H8 Closed
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 8/4/2009 +30% PRUD-MED 83 Closed
TRUSTMARK INSURANCE COMPANY 8/4/2009 +24% TELEMED IV Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 8/4/2009 +6% ICDHP-HSA Open
HUMANA INSURANCE COMPANY 8/4/2009 +4.3% GN-70129, IL-70129 Open
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/9/2009 +3.7% GSA High Base Plan -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/10/2009 +5.1 GSA Med Base Plan -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/11/2009 +6.4% GSA Low Base Plan -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/12/2009 +3.7 94 GSA $5 Plan -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/13/2009 +5.4 94 GSA $10 Plan -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/14/2009 +.5% 94 GSA $10 CoPay Hosp Coins -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/15/2009 +1.7% 94 GSA $15 CoPay Hosp Coins -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/16/2009 +5% 94 GSA $10 CoPay $250  -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/17/2009 +6.1% 94 GSA $15 CoPay $500  -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/18/2009 +3.8% 96 GSA low 5/50 -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/19/2009 +3.7% 96 GSA low 5/100 -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/20/2009 +5.4% 96 GSA low 10/100 -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/21/2009 +6.6% 96 GSA low 15/150 -
CIGNA HEALTHCARE OF ST. LOUIS (HMO) 9/22/2009 +7.9% 96 GSA low 20/150 -
GUARANTEE TRUST LIFE INSURANCE COMPANY 9/24/2009 +10% 90100 Closed
PERSONALCARE INSURANCE COMPANY 10/2/2009 +3.2% INDPPO Open
THRIVENT FINANCIAL FOR LUTHERANS 10/6/2009 +25% EMM Closed
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 11/19/2009 +60% CHIP34500C-B Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +10% 800, 880 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +25% 840, 860 Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +10% HSA Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +45% PMED Closed
TRUSTMARK INSURANCE COMPANY 12/3/2009 +24% TELEMED V Closed
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +10% ICDHP-HSA Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +10% ICDHP-TIER Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +35% ICDHP-TIER Open
AMERICAN COMMUNITY MUTUAL INSURANCE COMPANY 12/3/2009 +20% PMEDII Open
AMERICAN REPUBLIC INSURANCE COMPANY 12/3/2009 +21.6% A-3562, A-3565, A-A-3566, A-3567, A-3569 Open
PERSONALCARE INSURANCE COMPANY 12/3/2009 +3% INDPPO - NEW Open
GUARANTEE TRUST LIFE INSURANCE COMPANY 12/4/2009 +12% 90100 Closed
AMERICAN REPUBLIC INSURANCE COMPANY 12/4/2009 +14% A-2718, A-2744, A-2745, A-3064, A-3065, A-3066, A-3067, A-2523, A-3167 Open
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 12/17/2009 +32.6% H-600, H-610, H-616 Open
HUMANA INSURANCE COMPANY 12/18/2009 +5.3% GN-70129, IL-70129 Open
AXA EQUITABLE LIFE INSURANCE COMPANY 12/21/2009 +10% CBM Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 12/22/2009 +15% LMM Closed
UNITEDHEALTHCARE OF IL, INC (HMO) 12/30/2009 +13% GC HMO Choice -
PERSONALCARE INSURANCE COMPANY 12/30/2009 +3.2% INDPPO - 2006 BLOCK Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 12/31/2009 +30% H-28 Closed
AXA EQUITABLE LIFE INSURANCE COMPANY 12/31/2009 +25% BMM Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 1/5/2010 +20% AH-50, H-14, H-95 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 1/5/2010 +24.5% H-400, H-425 Open
UNION HEALTH SERVICE INC. (HMO) 1/7/2010 +1.5% Clinic -
UNION HEALTH SERVICE INC. (HMO) 1/8/2010 +31.1% Non-Clinic -
UNION HEALTH SERVICE INC. (HMO) 1/9/2010 +20.1% HMO -
CONTINENTAL GENERAL INSURANCE 1/19/2010 +22.0% FORM01A, FORM01C, FORM116, FORM12A, FORM12M, FORMPPQ Open
WORLD INSURANCE COMPANY 1/20/2010 +25% OLD FORMS Closed
HUMANA HEALTH PLAN, INC. (HMO) 2/16/2010 +3% Staff Model Network -
KNIGHTS OF COLUMBUS 2/23/2010 +15% KMD, KMM1, KMP1 Closed
AMERICAN COMMUNITY MUTUAL 5/8/2010 +14.4% 888 Closed
AMERICAN COMMUNITY MUTUAL 5/8/2010 +14.4% 890 Closed
AMERICAN COMMUNITY MUTUAL 5/8/2010 +14.4% 980 Closed
AMERICAN FAMILY MUTUAL INSURANCE COMPANY 5/8/2010 +35.0% H-235 Closed
AMERICAN NATIONAL INSURANCE 5/8/2010 +25.0% OLD FORMS Closed
AMERICAN NATIONAL LIFE INSURANCE 5/8/2010 +15.0% ANL-KMMT Closed
GOLDEN RULE INSURANCE 5/8/2010 +12.0% GR1-H1 , GR1-H8 Closed
PERSONALCARE INSURANCE 5/8/2010 +13.7% IND2006-0110 Closed
PERSONALCARE INSURANCE 5/8/2010 +12.5% IND2007-0110 Closed
AMERICAN COMMUNITY MUTUAL 5/8/2010 +65.3% ICDHP-HSA Open
AMERICAN COMMUNITY MUTUAL 5/8/2010 +14.4% ICDHP-TIER Open
AMERICAN COMMUNITY MUTUAL 5/8/2010 +0.0% OVERALL INDIVIDUAL CHANGES RANGE FROM -13.3% TO +28.9% IND-09 Open
AMERICAN COMMUNITY MUTUAL 5/8/2010 +20.0% IND-09 Open
AMERICAN COMMUNITY MUTUAL 5/8/2010 +83.4% PMEDII Open
AMERICAN REPUBLIC INSURANCE 5/8/2010 +21.55% A-3562, A-3565, A-A-3566, A-3567, A-3569 Open
HUMANA INSURANCE 5/8/2010 +3.4% CHOICE POS ; +6.3% CHOICECARE NETWORK GN-70129, IL-70129 Open
HUMANA INSURANCE 5/8/2010 +3.8% GN-70129, IL-70129 Open
HUMANA INSURANCE 5/8/2010 +3.8% ALLPLANS EXCEPT;  +5.0% FOR CLOSED PLANS GN-70129, IL-70129 Open
AXA EQUITABLE LIFE INSURANCE COMPANY 5/19/2010 +25.0% AMM, CMM Closed
AMERICAN NATIONAL LIFE INSURANCE 7/8/2010 +15% ANL-KMMT, ANL-KMM92, ANL-KM-95 Closed
HEALTH CARE SERVICE CORPORATION 8/18/2010 +9.0% FOR  DB-11, DB-12, DB-18, DB-19, DB-20;  NO INCREASE FOR  ALL OTHER CB-5, CB-6, CB-7, CC-0.01, CC-5, CC-6, CC-26, DB-10, DB-11, DB-12, DB-13, DB-15, DB-18, DB-19, DB-24 Closed
UNITED TEACHER ASSOCIATES  8/25/2010 +25.0% 708, 75.791, 69MG, 1-A1-563, 1708, 63GR01, 67.790, L160, P1-51833 Closed
PEKIN LIFE INSURANCE 9/2/2010 +38.0% ISSUED BEFORE 1/1/2010; +38.0% ISSUED AFTER 1/1/2010 H-41 Open
MENNONITE MUTUAL AID 9/9/2010 +2.7% AVERAGE;  BY AGE -5% TO  +1.0%;+2.0% DUE TO INCREASE IN MAX DEP AGE REQ BY PPACA; '+12.0% FOR MATERNITY RIDER 2015105, 2015255, 2015106, 2015257 G Open
MENNONITE MUTUAL AID 9/9/2010 +4.0% AVERAGE; 
BY AGE -5% TO  +1.0%;
+12.0%  INCREASE IN DEPENDENT RATE (INCLUDES 1.3% FOR GUARANTEE ISSUE OF DEPENDENTS;
'FOR PREVENTATIVE SERVICES +.3% TO 6.9%;
'+12.0% FOR MATERNITY RIDER
2015105, 2015255, 2015106, 2015257 NG Open
HEALTH CARE SERVICE CORPORATION 10/26/2010 DEDUCTIBLE GTE $2500: +4.4%  DEDUCTIBLE LT $2500: +9.0% DB-46, DB-47, DB-48, DB-49 Open
HEALTH CARE SERVICE CORPORATION 10/26/2010 +9.0% DB-22, DB-23, DB-26, DB-41 Closed
HEALTH CARE SERVICE CORPORATION 10/26/2010 +9.0% DB-42, DB-43, DB-44, DB-45 Open
HUMANA INSURANCE 10/22/2010 -9.7% GN-70129 / IL-70291 Open
ILLINOIS MUTUAL LIFE INSURANCE 10/21/2010 +12.0% 743, 744, 745, 746, 760, 775, 776, 843, 885, 886 Closed
PERSONALCARE INSURANCE 10/18/2010 2006 +3.2%; 2007 +3.0% INDPPO-2006, INDPPO-2007 Closed
GUARANTEE TRUST LIFE 10/21/2010 +12.0% 90100 Closed

Terms Used In Chart

The following columns of information are presented in the Department's Report:

Percent Rate Change

This column reflects the change in the plan's base rate from that plan's most recently filed base rate. The base rate for a plan may be increased by an insurance company based on several reasons, including the claims submitted by every individual enrolled in your plan. A base rate is a starting point for a premium that applies before other factors are taken into account. Some factors, such as your health status, may only affect your premium at the time your policy is issued. Other factors, such as geographic location, may affect your premium both when your policy is issued and when it is renewed. Some of the factors that may affect the actual premium you will pay include:

  • Health status. Health status is perhaps the most important factor in determining the amount of premium you pay. Illinois law allows insurance companies to increase your premium based on your past or present medical conditions.
  • Geographical location. Your premium will vary depending on where you live in Illinois. For example, consumers living in urban areas like Chicago are typically charged more than consumers living in rural areas.
  • Policy duration. Your premium may be increased based on the amount of time you are enrolled in a plan. This factor is typically used by a company to account for the assumption that a policyholder is more likely to file a claim the longer he or she has had the policy.
  • Gender. Your premium will be affected by your gender, with women paying significantly more than men for the same policy, even without maternity benefits.
  • Age. Your premium will also be affected by your age, with premiums typically rising as you age.

Open/Closed

This column indicates whether the plan listed is accepting (open) or not accepting (closed) new enrollees. Insurance companies routinely create new insurance plans and close new enrollment in existing plans. Pursuant to Illinois law, individuals can be denied major medical health insurance for any reason other than "race, color, religion or national origin." In addition, Illinois law requires that individual policies are guaranteed renewable. As a result, individuals with health care needs who are enrolled in a plan that is closed to new enrollees will remain in that plan, sometimes for many years. The insurance company will continue to adjust the plan's base and other rates as long as individuals are enrolled in the plan.

NOTE: HMOs do not regularly report whether a plan is open or closed. The Department is in the process of determining whether the listed HMO plans are open or closed and will update the Report accordingly.

Company Name

The names reflected in the Report are the registered business names of the insurance companies offering a plan. HMO plans are distinguished from insurance plans by an "HMO" following the insurance company's name. The insurance company name in the Report may not necessarily be the name you see on your policy form or health insurance card. For example, Health Care Service Corporation does business in Illinois as Blue Cross Blue Shield of Illinois. If you do not see the name of your insurance company in the Report you should contact your insurance company or the Department to determine the appropriate registered business name. In the process of compiling this public information, the Department observed that several insurers offering major medical insurance do not appear to have filed rates or rate changes. The Department is investigating.

Filing Date

This column lists the date on which the insurance company rate filing was received by or placed on file with the Department.

Policy Name/Number

This column lists the policy name or number assigned to a plan by the insurance company. This number can be used to track rate changes to your particular plan. The policy name/number should be on your policy but may not be the name by which you know your plan. Please contact your insurance company or the Department for more information on how to find your policy name/number.

Top of page