{"title":"New York region index — 2026 filed plans + wrong-plan cost, by rating region","stateCode":"NY","planYear":2026,"script":"scripts/build-ny-region-index.mjs","deterministic":true,"source":{"snapshotId":"snapshot_8827361338bd937eb563114e728d3463c9d1a13152a72fdbad03cd10b4b34a66","sourceAsOf":"2026-06-03","derivedFrom":"queryStateMarket over every NY county in the verified geography snapshot (the same engine path /savings and /cobra use)"},"method":"New York's individual market is community-rated: one premium per plan per rating region, priced by state family tier, never by member age. lowestPremiumIndividual = the lowest Individual-tier monthly premium among filed, source-complete 2026 plans in the region (real filed, unsubsidized; verified per county — service areas are county-scoped even where premiums are not). medianWrongPlanCost / p90 = annual delta between the lowest-premium pick and the true-cost-optimal pick, one cell per (county x illustrative care profile), 9 profiles, same labeled care rules as data/evidence/wrong-plan-cost-2026.json: assumed care flows through each plan's REAL filed deductibles and OOP max — 100% of allowed cost to the matching deductible, then a flat 25% coinsurance, capped at the real OOP max; plans with missing/unverified accumulator data are excluded, never assumed $0. Age appears nowhere: community-rated premiums are age-invariant and the care model is age-free.","essentialPlanNote":"New York's Essential Plan covers residents with household income up to about 250% of the federal poverty level at little or no premium — many lower-income New Yorkers belong there, not in these QHPs. Every figure here is an unsubsidized qualified-health-plan baseline; NY State of Health screens for Essential Plan and Medicaid eligibility first.","requested2027":{"status":"requested","requestedIncreaseIndividual":0.211,"requestedIncreaseIndividualNote":"Weighted-average 2027 individual-market increase REQUESTED by New York carriers (21.1% per acasignups.net's enrollment-weighted average of the DFS filings; DFS's own posted summary computes it slightly lower, at 20.7%). Requested, not approved, not final — NY DFS reviews every filing under prior approval and may approve, modify, or reject it.","priorYear":{"planYear":2026,"requestedIncreaseIndividual":0.132,"approvedIncreaseIndividual":0.071,"decisionDate":"2025-09-02","note":"For 2026, carriers requested a 13.2% weighted-average individual-market increase and DFS approved 7.1% (announced September 2, 2025) — DFS cut the request roughly in half. History, not a prediction: the 2027 outcome is DFS's call."},"sources":[{"label":"NY DFS prior-approval portal — Summary of 2027 Requested Rate Actions","url":"https://myportal.dfs.ny.gov/web/prior-approval/ind-and-sg-medical/summary-of-2027-requested-rate-actions"},{"label":"acasignups.net 2027 New York rate-filing tracker","url":"https://acasignups.net/rate_changes/2027/ny"},{"label":"acasignups.net 2026 New York requested-vs-approved record","url":"https://acasignups.net/rate_changes/2026/ny"}],"asOf":"2026-08-29"},"coverage":{"ratingRegions":8,"regionsPriced":8,"regionsSkipped":0,"countiesInGeographySnapshot":62,"countiesPriced":62,"cellsComputed":558,"cellsSkipped":0,"countiesSkipped":0},"regions":[{"ratingArea":"Rating Area 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