Missouri Department of Insurance · October 24, 2026 · Primary source
25-01 - Health Insurance Rate Filings - Filing Dates for Plan Year 2026, March 14, 2025
Summary
The Missouri Department of Commerce and Insurance issued Bulletin 25-01 on March 14, 2025, setting key rate filing dates for Plan Year 2026 health benefit plans under section 376.465 RSMo and 20 CSR 400-13.100. The primary deadline for Individual and Small Group ACA plan rate submissions is June 4, 2025, moved up several weeks from prior years. The bulletin instructs carriers to file a single rate set assuming expiration of expanded Advanced Premium Tax Credits, while documenting the actuarial impact of a potential extension. It also provides updated methodology guidance for Cost Sharing Reduction adjustments and Induced Demand Factors.
What this may mean
Health carriers writing individual and small group ACA plans in Missouri must submit 2026 rate filings to the Missouri Department of Commerce and Insurance no later than June 4, 2025. Carriers must file a single rate assuming eAPTC expiration and document alternative assumptions within the actuarial memorandum. CSR loading methodology is codified under 20 CSR 400-13.100, requiring carriers to assume at least 88% of Silver plan membership in Platinum-level CSR variants for Plan Year 2026, rising to 95% for Plan Year 2027 and beyond.
Informational only. Not legal, medical, financial, or other professional advice. Always consult a qualified professional familiar with your specific facts before relying on any item.
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