The Draft 2025 Federal Actuarial Value Calculator (AVC) was released on November 15, 2023. The new version features a vast change in the underlying data and several methodological tweaks that cause results that are counter to those of the typical AVC updates. On top of the Federal AVC changes, the maximum out of pocket was reduced from 2024 to 2025, and several benefit increases were proposed for standardized plan designs in the 2025 Notice of Benefit and Payment Parameters. All these updates contribute to potentially sizable changes in plan design and premium impacts, in particular likely premium increases to silver metal level plans.

Impact of Draft 2025 Federal Actuarial Value Calculator Updates