Health insurers submit rate filings annually to state regulators detailing expectations and rate changes for Affordable Care Act (ACA)-regulated health plans for the coming year. A relatively small, but growing, share of the population is enrolled in these plans (compared to the number in employer plans), fueled by the availability of enhanced premium tax credits. This analysis focuses on individual market filings, which are generally more detailed and publicly available. These filings provide insight into what factors insurers expect will drive health costs for the coming year. ARTICLE
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