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We find that insurers in this market are proposing to raise premiums by more than in recent years. In tracking these filings, we are looking at several factors that could drive costs in 2023, including health cost trend (which includes health sector inflation and changes in utilization), the COVID-19 pandemic, and changes in federal policies (including the possible expiration of the American Rescue Plan Act subsidies, the implementation of the No Surprises Act, and the administrative fix to the Family Glitch). (The 13 states reviewed include: Georgia, Indiana, Iowa, Kentucky, Maryland, Michigan, Minnesota, New York, Oregon, Rhode Island, Texas, Vermont, and Washington.) These filings are preliminary and may change during the review process. At the time of this brief, we have compiled data from 72 insurers across 13 states and the District of Columbia. A relatively small share of the population is enrolled in these plans (compared to the number in employer plans), but these filings are generally more detailed and publicly available. In this analysis, we reviewed rate filings from plans participating in the Affordable Care Act (ACA) Marketplaces to track what insurers say will be driving premium growth in the coming year. These filings can provide insight into what factors insurers expect will drive health costs for the coming year, including inflation, the COVID-19 pandemic, and policy changes. Each year, health insurers submit rate filings to state regulators, detailing their expectations for the coming year’s health costs.