The Affordable Care Act’s (ACA) health insurance review program has gone into effect, and this means that all insurers seeking to increase their health insurance rates by 10% or more must submit the proposed increase for review by state insurance experts. As part of the ACA’s emphasis on transparency and accountability, the rate review program allows state regulators to deny excessive rate increases and consumers will be able to see the reasons behind rate increases on a new Department of Health & Human Services website, HealthCare.gov. The ACA has also provided Health Insurance Premium Review Grants of $250 million over the next five years to the states, which will assist the states in improving their review of health insurance rates and their ability to hold insurance companies accountable for excessive premiums. For more information on the review program, see HHS’ website here.