Every week, we decode Medicare, ACA, and health insurance news, call out the nonsense, and untangle complex health insurance news… so you don’t have to.https://blog.elephruit.com/en-UShttps://blog.elephruit.com/ramblings/naic-health-financial-filings-access/https://blog.elephruit.com/ramblings/naic-health-financial-filings-access/Every health insurer files a detailed financial statement four times a year. I scanned all 50 states plus DC to find where you can read them for free. Eight states pass. Here is the map, the limits, and an ask.Tue, 14 Jul 2026 18:00:00 GMTHealth InsuranceNAICfinancial statementstransparencysolvencydata accesshttps://blog.elephruit.com/ramblings/2027-rate-change-tracker/https://blog.elephruit.com/ramblings/2027-rate-change-tracker/Plan-by-plan 2027 premium changes pulled straight from insurer rate filings. Starting with Minnesota, where all six carriers have filed: what every plan costs, which plan IDs are new, and why the headline rate increase is not the increase anyone actually pays.Tue, 14 Jul 2026 12:00:00 GMTACAACAratespremiumsSERFFMinnesotatrackerhttps://blog.elephruit.com/ramblings/hca-exchange-losses-unit-cost/https://blog.elephruit.com/ramblings/hca-exchange-losses-unit-cost/HCA previewed Q2 and quietly doubled its 2026 exchange-loss guidance to $1.0–1.2 billion. I mapped all 185 of its hospitals, and the leverage everyone assumes it has is not where you'd think.Tue, 14 Jul 2026 12:00:00 GMTACAHCAACAunit costprovider contractinghospitalsuncompensated carehttps://blog.elephruit.com/ramblings/aca-market-exits-tracker/https://blog.elephruit.com/ramblings/aca-market-exits-tracker/Insurers are pulling back from individual ACA marketplaces, citing rising medical costs and financial pressures. We mapped the exits across 836 counties and 19 states.Tue, 14 Jul 2026 00:00:00 GMTACAACAinsurer exitsmarketplacefinancial pressureCignaCentenehttps://blog.elephruit.com/ramblings/2026-aca-insurer-participation-baseline/https://blog.elephruit.com/ramblings/2026-aca-insurer-participation-baseline/A fully validated, county-level analysis of the 2026 individual health insurance marketplace, mapping the competing carrier options across all 3,143 counties in the United States.Mon, 13 Jul 2026 00:00:00 GMTACAACAinsurer participationmarketplacecompetitionbaselinehttps://blog.elephruit.com/ramblings/2026-medicare-advantage-carrier-footprint/https://blog.elephruit.com/ramblings/2026-medicare-advantage-carrier-footprint/A county-level baseline of Medicare Advantage carrier participation across all 3,081 counties, built from the CMS 2026 Landscape and filterable by SNP plan type.Sat, 11 Jul 2026 00:00:00 GMTMedicareMedicare Advantagecarrier participationcompetitionSNPbaselineCMS