In August, a group of 16 U.S. Senators asked CHIR to review the materials health insurers have submitted to state regulators to support their requested rate changes and analyze how policymakers and Americans should prepare for the changes indicated by the filings. In response, CHIR reviewed actuarial memoranda and other supporting documents for 178 Marketplace plan filings across 28 states and the District of Columbia.

To learn more about the factors insurers point to in support of 2026 premium changes, review CHIR’s findings, submitted to the Senators on September 2, 2025.