Montana: Preliminary avg. unsubsidized 2025 #ACA rate changes: +8.3%

Montana used to be very good about providing rate filings in a clear, upfront, transparent manner.

That is no longer the case. Their insurance department website hasn't updated the rate filings page for two years.

The good news is that this year at least, the SERFF database has both the average rate changes as well as the 2024 effectuated enrollment for all carriers on both the individual and small group markets. There's one curiousity, however: For the small group market, UnitedHealthcare shows up in the SERFF database but doesn't appear on the federal Rate Review website.

This doesn't really move the needle much either way, however, since UHC only reports having 250 enrollees anyway.

In any event, individual market carriers are requesting average 8.3% rate increases, while small group carriers are asking for similar 8.6% hikes.