The Health Insurance Rate Review Division (HIRRD) of the Arkansas Insurance Department (AID) is charged with protecting Arkansas health insurance consumers from unreasonable premium rate increases.  

The Federal law requires states to establish a process for reviewing these increases. Under this rate review program, health insurers seeking to increase Arkansas Insurance premium rates must now provide consumers with easy understand information about the reasons for significant rate increases and post justification for those increases on HIRRD website. The U.S. Department of Health and Human Services will also post these justifications and other material on its website:

These steps are expected to bring greater transparency, accountability and help moderate increases in Arkansas insurance premium rates and provide those who buy Arkansas health insurance with greater value for their premium dollar.