Every year, I spend months painstakingly tracking every insurance carrier rate filing (nearly 400 for 2025!) for the following year to determine just how much average insurance policy premiums on the individual market are projected to increase or decrease. Carriers tendency to jump in and out of the market, repeatedly revise their requests, and the confusing blizzard of actual filing forms sometimes make it next to impossible to find the specific data I need. I really only need three pieces of information for each carrier: How many effectuated enrollees they had enrolled in ACA-compliant individual market policies as of early this year; What their average projected premium rate change is for those enrollees (assuming 100% of them renew their existing policies, of course); and... Ideally, a breakout of the reasons behind those rate changes, since there's usually more than one. This year, the third bullet above has even more importance due to the almost certain expiration of the enhanced IRA subsidies.