MO| Bulletin 26-06, from the Missouri Department of Commerce and Insurance, sets key 2027 rate filing dates for Missouri health carriers, requiring ACA individual and small group single risk pool filings by June 3, 2026, and establishing 30–60 day advance filing windows for other plan types, while clarifying that transitional and other “Subsection 7” plans remain subject to Missouri’s reasonableness review and must comply with state timelines even where federal rules are more flexible.
Key Points:
- Missouri treats transitional plans like other Subsection 7 plans, requiring all rate changes (regardless of size) to be filed with the Department at least 60 days before implementation, and allows optional quarterly rate filings in the small group market so long as subsequent quarter filings are submitted at least 60 days before their effective dates.
- Proposed rates for individual and small group ACA single risk pool plans for plan year 2027 must be filed with the Department by June 3, 2026, and proposed rates will be publicly posted no earlier than July 31, 2026, consistent with “Effective Rate Review” federal guidelines.
- Transitional and student health plans must file rates at least 60 days prior to the proposed effective date (with transitional filings submitted on or before August 12, 2026, prioritized), while grandfathered and other health benefit plans (including dental, vision, and excepted benefits) must generally be filed at least 30 days prior to use under § 376.465.