Product methodology
State Rate Review Watch
Source contract, normalization path, entity-graph join, refresh posture, and publication limits for this Branmoor product.
Status
Pending. This product is pending. The methodology page is published first so the source contract and join path are visible before Branmoor represents the product as live.
Distribution Scope
Nationwide state portals; TN insurance rate review; Nashville employer/individual-market implications
Product Question
Monitors insurance rate filings and actuarial memoranda.
Primary Sources
- NAIC SERFF (System for Electronic Rate and Form Filing) — Most states' rate filings
- State insurance department portals — Filings not routed through SERFF; varies by state
- Federal Rate Review (CMS) — ACA-required rate filings
- State actuarial memoranda — Medical trend assumptions, loss ratio detail, claims experience
Entity-Graph Join
filing ID, payer `irs_ein`, state regulator, county/rating area.
Publication Rule
Branmoor does not treat raw public records as the product. A surface is publishable only when the source record is dated, normalized, source-linked, and joined to the relevant Branmoor entity identifiers with enough confidence to state the limits of the result.
Current Methodology Note
Filing coverage is state-by-state; the methodology page lists which states are fully covered, partially covered, or excluded. Every quoted figure links back to the source filing.
Limits
Coverage follows the underlying source. Missing state portals, gated APIs, PDF-only filings, suppressed fields, lagged agency refreshes, and entity-name ambiguity can all limit product completeness. Pending products are not marketed as live until those limits are documented on the product surface.