The Office of the Insurance Commissioner (OIC) must review and approve all individual health plan rates prior to their use. On March 10, 2025, the Commissioner adopted an emergency rule (R 2025-01, WSR 25-07-021) adjusting health insurer rate development components for Plan Year 2026 to preserve consumer affordability and stability in Washington state’s individual health insurance market. This emergency rule applies a uniform cost-sharing reduction silver load adjustment factor to rates for silver level qualified health plans (QHPs) sold on the Washington state Health Benefit Exchange.
On June 29, 2025, the Commissioner extended the emergency rule filed under WSR 25-07-021, which RCW 34.05.350 allows. This extension is filed under WSR 25-14-070 (R 2025-07). The Commissioner extended this emergency rule on October 27, 2025 under WSR 25-22-021.
Separately, OIC has initiated notice and comment rulemaking on this issue in WSR 25-13-098, to provide insurers rate development instructions beginning in Plan Year 2027.
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