Unique plans per carrier by state & quarter, and how early brokers could quote them. Generated 2026-08-19 from IDEON bulk files. Counts from plans.json (incl. UHC); release date from the rate timestamp.
0 rows · 0 plans · median lead –d
Days Before Quarter = days the plans/rates were available before the quarter started (Q1 Jan 1 · Q2 Apr 1 · Q3 Jul 1 · Q4 Oct 1). ≥60 · 30–59 · <30. API-rated = plans are filed and rates are available — they're returned in real time from the carrier's API at quote time (e.g. UHC) rather than pre-filed as a flat file, so there's no rate sheet to date-stamp; the release date shown is ~est. from the plan-design filing. Multi-carrier alliances (CalChoice, CoveredCA, HealthPass) are split by underlying carrier. Silver 21yo (low) = the carrier's lowest-cost Silver plan, non-smoker single at the ACA base age (21) — a benchmark-style, metal-normalized comparison. Silver @ Age re-prices that benchmark to the Member Age you pick (via each state's real age curve from the data — UT/DC/MA/NJ differ from federal; community states NY/VT stay flat). The Plan Type filter switches the Silver benchmark to the lowest HMO/PPO/etc. for within-type comparison. not released yet = a carrier that was in the prior quarter but hasn't published this quarter yet (shows expected plan count) — so you can see what you're still waiting on. (Only shown for the latest quarter; Q1 is treated as a fresh benchmark.) Composite = the carrier's community-rated composite factors — one blended rate per tier — shown as the 4-tier multipliers vs Employee-only (=1): Employee · +Spouse · +Child(ren) · Family. — = list-billed (per-member) only; blank = not in the reference. Composite Min Size = the smallest group that actually gets a composite rate. Ideon applies no composite-specific minimum — wherever a plan quotes at all, every one of the four tiers comes back, verified against the live Quote API at group sizes 1, 2, 3 and 5 (a one-life group returned a full composite on 100 of 100 rated plans). So the only thing that can stop a composite is the carrier's own GroupSize floor, which removes the whole plan — age-banded and composite alike — not just the composite: at one life, UnitedHealthcare (files min 2) drops out entirely with a group_size_minimum limiting factor, while Regence and SelectHealth (no floor filed) quote and blend normally. This column is therefore the carrier's floor, or 1 where none is filed. n/a = the carrier files no composite factors, so there is no composite at any size — that is a factors gap, never a size gate (and note Ideon returns those tiers as null, not zero). In-State Residency = the minimum share of enrolled members who must live in the state for the group to be eligible for that carrier's small-group plans (Ideon MinimumInStatePercentage) — an eligibility gate, not a price. It is filed per carrier, so it varies inside a state (California carries both 1% and 51%). † = the carrier also accepts a multi-state footprint (MinimumMultiStateResidencyPercentage, e.g. 50% across ID·NV·UT) — hover the cell for the exact wording. none = the carrier files no residency requirement; blank = not in the reference. Min Group Size = the smallest group that carrier will write, in enrolled employees (Ideon GroupSize) — 1 means a one-life group is eligible, 2 means it is not. Also per carrier: six states file two different floors. Hover for the full range (the upper bound is 50 or 100 depending on the state's small-group definition). Both eligibility columns are blank on multi-carrier alliance rows (CalChoice, CoveredCA, HealthPass) because the alliance files no rule sets of its own, and both show the carrier's current-year filing (newest quarter it has filed), so they read the same on a prior-year row. Rate YoY% (trend) = each plan matched to itself (same HIOS id) vs a year ago — the carrier's increase at the same age. Renewal % (w/ aging) = trend + the one-year step up the age curve — what a renewing member actually feels (e.g. a 40-yr-old turning 41 adds ~1.9% on top of trend). Click a header to sort.