The Affordable Care Act includes features that promote transparency and hold insurers accountable for how they spend your premium dollars and rate increases. "Medical Loss Ratio" and "Rate Review" are two features of the health care law that are in place and making a difference for consumers.
Use the search tool below to find a basic profile of your insurance company or information about Medical Loss Ratio (MLR) and Rate Reviews. To get started, select your state, enter the name of your insurance company, or enter the company's NAIC Number (consumers can find the NAIC Number on their policy document, from their state Department of Insurance website or by contacting their insurer). Then select Overview, MLR, or Rate Reviews and click the Search button. You can also use the Rate Review tool further down the page to find rate increases where you live. Note: Not all states currently have rate reviews to report.
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