Missouri to require insurer rate filings for long‑term care

Insurers to submit long-term care insurance premium rate filings to the Department of Commerce and Insurance on or after August 28, 2026, and includes director of DCI's responsibility to approve or disapprove the rates

Introduced· 2026-01-07

Who's it for

Who's it for: Everyday People

What it means for you

7/10Helps you

Good for everyday people ·

Draft summary, still being checked against the official bill text. Read the source to confirm.

If passed, insurers must send their long‑term care premium rates to the state for approval, so the department can block rates it thinks are too high.

Our take

What we think, in plain words.

Consumers could see more stable, fair prices on long‑term care policies, while insurers may face slower approvals and less freedom to raise rates quickly.

Take action

Add your name. At 100 signatures we compile this petition and deliver it to the office — and every signer gets a message to send their own representatives.

0 of 100 in‑district signatures

Step 1 · Pick your position

Step 2 · Add your name

Picking a side above doesn't sign anything yet — a free account records your name on the petition and keeps it one signature per person. We'll bring you straight back here with your choice saved.

The facts

What the bill actually says, no spin.

Insurers must file long‑term care premium rates with the Department of Commerce and Insurance after Aug. 28, 2026.
The department director can approve or reject the proposed rates.
The bill is currently introduced and has been referred to the Emerging Issues committee.