Rate Hike Decoder

Every ACA premium increase is justified in a public rate filing: an actuarial memorandum of 20-100+ pages plus 1,000 of additional pages to support the filing. A credentialed actuary at the state insurance department must read each one and write the objections. Rate Hike Decoder is the autonomous review desk that does that expensive first pass: it reads the filing, decodes the increase into page-cited plain English, and drafts the RAI-format objection letters a state rate reviewer is paid to produce. The same engine reads any filing a regulator must desk-review, from ACA rate filings in fifty states to the thousands of Medicare Advantage and Part D bids CMS reviews every year. Everything here was built today. At 10:30 AM this repo held a brief and a rubric plus curated public filings, with zero code; Claude Opus 4.8 built the rest tier by tier, verifying each tier against the rubric's own checks. The main session log shows five human interventions across about four hours. Today's run drafted 12 objections on BCBSM's pre-objection 2026 filing; 8 land on issues Michigan's reviewing actuary (FSA, MAAA) raised in her objection letter on the same filing. Her desk averaged weeks; this drafted its first pass in an afternoon.

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