AI assisted evidence assembly
AI helps structure SERFF filings, connect plan names across years, compare rating area plan options, and surface material premium and product changes for review.
Market structure
Plan options fall sharply in eight of nine rating areas.
Rating Area 8 contains 64.1% of May 2026 effectuated QHP enrollment. Plan options there fall from 99 in 2026 to 49 in 2027.
Rating area comparison
Eight rating areas lose plan options. Nine low cost positions change carrier.
2026 plan options2027 plan options
Interactive geography
Select a rating area for its complete metal level premium view.
Source: Minnesota SERFF health plan binders and CMS rating area definitions, joined to 2025 U.S. Census Bureau county boundaries. Plan counts reflect plans offered through MNsure observed in each rating area. Low cost premiums are the lowest available monthly age 21, non tobacco rate within each metal level.
Issuer movement
Entry and exits change the competitive set, not just the plan count.
2026 plan options2027 plan options
| Issuer | Plan option movement | Change in options | 2027 composition | No longer offered |
|---|
Complete evidence
Compare every plan by rating area.
NewExit
PlanMetal'26 Rate'27 Filed Rate% Change% from Low Cost
Methodology
AI accelerates the analysis.Experts validate the answer.
Human validation
Health insurance experts validate plan matching, metal level definitions, geographic joins, exceptions, and the conclusions presented here.
Comparable rates and plan options
Premiums use the age 21 non tobacco rate, where the federal age factor is 1.000. A paired change requires the same plan and rating area in both years. New and Exit describe plan presence in the selected geography.
Filing and source boundary
2026 rates are approved. The 2027 rates are filed and remain subject to state review. The analysis uses SERFF binders and MNsure's May 2026 effectuated QHP enrollment distribution, without claims or member level data.
Interested in deeper analysis? Contact us at insights@elephruit.com.