Rate Filing Review
At Incline, our actuaries bring deep experience in pricing and filing rates across the insurance spectrum. From Affordable Care Act (ACA) marketplace products to group health plans and long-term care insurance, we provide the technical expertise and regulatory insight needed to ensure filings are both compliant and defensible.
ACA and Group Product Expertise
We support state insurance departments and issuers by reviewing ACA and group product rate filings. Our team evaluates underlying assumptions, trend factors, and benefit designs to ensure filings align with actuarial standards and market realities.
Long-Term Care Focus
Incline also has experience with long-term care rate filings—one of the most complex and closely scrutinized areas of insurance due to the number of variables (lapse rates, inflation, morbidity, etc.) due to change over the lifetime of a policy. We not only review filings, but also translate actuarial findings into clear, actionable communication for both regulators and issuers.
Startup Filings
Our actuaries have helped design unique products that are often new or innovative to the market. This has included specialty warranty products, fertility insurance, and other limited or targeted benefit policies.
Clarity for Regulators and Issuers
Incline’s work bridges the technical and the practical. We provide detailed actuarial analysis while also delivering summaries that regulators, decision-makers, and issuers can understand and act upon. This ensures decisions are well-supported, transparent, and defensible in the public interest.
Why It Matters
By combining actuarial precision with clear communication, Incline helps insurance departments strengthen oversight, protect consumers, and maintain market stability—while giving issuers confidence in the fairness and rigor of the review process.