Better Shop Around -- Covered California Rates for 2017 Open Enrollment
After two years of 4% increases in health insurance premiums, Covered California premiums will increase by 13.2% in 2017. Savvy shoppers can avoid these increases since many plan’s increases were far lower, and there is now a wide variation in premiums between the most and least expensive plans.
Prices for the lowest cost bronze plans increased only 3.9% (for a three-year average of 3.9%). Prices for the lowest cost silver plans increased 8.1% (for a three year average of 4.8%). Prices for the 2nd lowest cost silver plans (reference plans) increased 8.1% (for a three year average of 4.1%). Prices for the savvy comparison shoppers (i.e. those switching to the lowest priced plan in the metal tier they selected) declined -1.2%. http://www.coveredca.com/news/pdfs/CoveredCA-2017-rate-booklet.pdf
Clearly there will be lots of strong financial incentives for Covered CA customers to shop around in the coming year; this report will provide some information for those inclined to do so. As you will see by comparing premiums and increases in your region, there are very substantial premium savings to be achieved by switching plans and for some by switching tiers.
Tax credits insulate many subscribers from rising premiums. Since 90% of Covered California enrollees are receiving tax credits to help pay their premiums and most are also receiving tax credits to reduce their copays and deductibles, the interplay between listed premiums and the tax credits is essential to understanding what subscribers would actually pay. The reference plan or anchor point for calculating these credits or premium assistance is the 2nd lowest priced silver plan. Those choosing the lowest priced silver or the even lower priced bronze get additional savings. The reduced copays and deductibles are only available to those low and moderate-income individuals selecting a silver plan; silver is thus the plan offering greatest financial assistance for those with incomes up to 250% of FPL.
Region 1: North Rural – 56,000+ individuals enrolled of whom 92% receive premium assistance
Premiums for the lowest cost bronze are increasing by 5.9%, for the lowest priced silver by 10.8%. 85% are enrolled in an Anthem EPO whose premiums will increase by 10.5%, 14% are enrolled in a Blue Shield PPO whose premiums will increase by 22%. 1% is enrolled in Kaiser whose premiums will increase by 6%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $2 in 2016; they will increase to $4 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $56 in 2016; they will increase to $66 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $30 in 2016; they will decrease to $12 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $120 in 2016; they will increase to $130 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $53 a month while their share of the highest cost silver plan is $192.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $191 from Anthem, the lowest cost bronze plan is $226 from Anthem; the lowest cost silver is $316 from Kaiser; the lowest cost gold is $349 from Kaiser, and the lowest cost platinum is$404 from Kaiser.
For a forty year old with no premium assistance, the lowest cost bronze plan is $281 from Anthem; the lowest cost silver is $402 from Kaiser; the lowest cost gold is $445 from Kaiser, and the lowest cost platinum is$514 from Kaiser.
Region 2: Marin, Napa, Solano and Sonoma – 54,000+ individuals enrolled of whom 87% receive premium assistance
Premiums for the lowest cost bronze are increasing by 7%, for the lowest priced silver by 7%. 18% are enrolled in an Anthem EPO whose premiums will increase by 28%, 19% are enrolled in a Blue Shield PPO whose premiums will increase by 19%. 52% are enrolled in Kaiser whose premiums will increase by 5.8%. 10% are enrolled in Western Health Advantage whose premiums will increase by 5.8%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $2 in 2016; they will increase to $9 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $61 in 2016; they will increase to $80 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $31 in 2016; they will decrease to $30 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $126 in 2016; they will increase to $152 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $32 a month while their share of the highest cost silver plan is $173.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $194 from Western Health Advantage, the lowest cost bronze plan is $238 from Western Health Advantage; the lowest cost silver is $310 from Western Health Advantage; the lowest cost gold is $368 from Kaiser, and the lowest cost platinum is $404 from Western Health Advantage.
For a forty year old with no premium assistance, the lowest cost bronze plan is $303 from Western Health Advantage; the lowest cost silver is $395 from Western Health Advantage; the lowest cost gold is $468 from Kaiser, and the lowest cost platinum is$514 from Western Health Advantage.
Region 3: Sacramento region – 77,000+ individuals enrolled of whom 91% receive premium assistance
Premiums for the lowest cost bronze are increasing by 2.3%, for the lowest priced silver by 7.5%. 29% are enrolled in an Anthem EPO whose premiums will increase by 19%, 20% are enrolled in a Blue Shield PPO whose premiums will increase by 23%. 48% are enrolled in Kaiser whose premiums will increase by 5.8%. 3% are enrolled in Western Health Advantage whose premiums will increase by 8.8%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $2 in 2016; they will increase to $5 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $55 in 2016; they will increase to $70 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $29 in 2016; they will decrease to $22 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $119 in 2016; they will increase to $138 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $35 a month while their share of the highest cost silver plan is $339.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $200 from Kaiser, the lowest cost bronze plan is $229 from Kaiser; the lowest cost silver is $316 from Kaiser; the lowest cost gold is $349 from Kaiser, and the lowest cost platinum is$404 from Kaiser.
For a forty year old with no premium assistance, the lowest cost bronze plan is $291 from Kaiser; the lowest cost silver is $402 from Kaiser; the lowest cost gold is $445 from Kaiser, and the lowest cost platinum is$514 from Kaiser.
Region 4: San Francisco – 38,000+ individuals enrolled of whom 81% receive premium assistance
Premiums for the lowest cost bronze are increasing by 18%, for the lowest priced silver by 15.6%. 10% are enrolled in an Anthem EPO whose premiums will increase by 16.7%, 28% are enrolled in a Blue Shield PPO whose premiums will increase by 24%. 35% are enrolled in Kaiser whose premiums will increase by 5.3%. 26% are enrolled in Chinese Community Health Plan whose premiums will increase by 16.5%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $7 in 2016; they will decrease to $6 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $63 in 2016; they will increase to $68 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $42 in 2016; they will decrease to $21 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $129 in 2016; they will increase to $135 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $22 a month while their share of the highest cost silver plan is $159.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $221 from Kaiser, the lowest cost bronze plan is $246 from Chinese Community Health Plan; the lowest cost silver is $320 from Chinese Community Health Plan; the lowest cost gold is $386 from Kaiser, and the lowest cost platinum is$435 from Chinese Community Health Plan.
For a forty year old with no premium assistance, the lowest cost bronze plan is $314 from Chinese Community Health Plan; the lowest cost silver is $407 from Chinese Community Health Plans; the lowest cost gold is $492 from Kaiser, and the lowest cost platinum is$553 from Chinese Community Health Plan.
Region 5: Contra Costa – 41,000+ individuals enrolled of whom 86% receive premium assistance
Premiums for the lowest cost bronze are increasing by 2.3%, for the lowest priced silver by 11.4%. 4% are enrolled in an Anthem EPO whose premiums will increase by 22.6%, 37% are enrolled in a Blue Shield PPO whose premiums will increase by 24.4%. 57% are enrolled in Kaiser whose premiums will increase by 5.3%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $3 in 2016; they will decrease to $2 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $56 in 2016; they will decrease to $43 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $42 in 2016; they will decrease to $15 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $120 in 2016; they will decrease to $103 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $11 a month while their share of the highest cost silver plan is $136.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $200 from Kaiser, the lowest cost bronze plan is $229 from Kaiser; the lowest cost silver is $316 from Kaiser; the lowest cost gold is $349 from Kaiser, and the lowest cost platinum is $404 from Kaiser.
For a forty year old with no premium assistance, the lowest cost bronze plan is $299 from Kaiser; the lowest cost silver is $412 from Kaiser; the lowest cost gold is $456 from Kaiser, and the lowest cost platinum is$527 from Kaiser.
Region 6: Alameda – 67,000 individuals enrolled of whom 86% receive premium assistance
Premiums for the lowest cost bronze are increasing by 2.3%, for the lowest priced silver by 18.7%. 12% are enrolled in an Anthem EPO whose premiums will increase by 23.7%, 34% are enrolled in a Blue Shield PPO whose premiums will increase by 18.9%. 57% are enrolled in Kaiser whose premiums will increase by 5.6%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $2 in 2016; they will decrease to $7 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $56 in 2016; they will increase to $68 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $39 in 2016; they will decrease to $30 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $120 in 2016; they will increase to $135 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $57 a month while their share of the highest cost silver plan is $173.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $205 from Kaiser, the lowest cost bronze plan is $235 from Kaiser; the lowest cost silver is $324 from Kaiser; the lowest cost gold is $359 from Kaiser, and the lowest cost platinum is$414 from Kaiser.
For a forty year old with no premium assistance, the lowest cost bronze plan is $299 from Kaiser; the lowest cost silver is $412 from Kaiser; the lowest cost gold is $456 from Kaiser, and the lowest cost platinum is$527 from Kaiser.
Region 7: Santa Clara – 62,000 individuals enrolled of whom 86% receive premium assistance
Premiums for the lowest cost bronze are increasing by 0.7%, for the lowest priced silver by 0.8%. 46% are enrolled in an Anthem EPO whose premiums will increase by 8.4%, 12% are enrolled in a Blue Shield PPO whose premiums will increase by 22.3%. 37% are enrolled in Kaiser whose premiums will increase by 5.6%. 2% are enrolled in Valley Health Plan whose premiums increased 0.7%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $4 in 2016; they will increase to $7 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $70 in 2016; they will increase to $75 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $41 in 2016; they will decrease to $18 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $137 in 2016; they will increase to $144 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $18 a month while their share of the highest cost silver plan is $171.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $176 from Valley Health Plan, the lowest cost bronze plan is $218 from Valley Health Plan; the lowest cost silver is $289 from Valley Health Plan; the lowest cost gold is $336 from Valley Health Plan, and the lowest cost platinum is$378 from Valley Health Plan.
For a forty year old with no premium assistance, the lowest cost bronze plan is $299 from Kaiser; the lowest cost silver is $412 from Kaiser; the lowest cost gold is $456 from Kaiser, and the lowest cost platinum is$527 from Kaiser.
Region 8: San Mateo – 26,000 individuals enrolled of whom 84% receive premium assistance
Premiums for the lowest cost bronze are increasing by 12.4%, for the lowest priced silver by 16.8%. 17% are enrolled in an Anthem EPO whose premiums will increase by 20%, 18% are enrolled in a Blue Shield PPO whose premiums will increase by 16.8%. 53% are enrolled in Kaiser whose premiums will increase by 5.9%. 9% are enrolled in Chinese Community Health Plan whose premiums increased 18.2%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $5 in 2016; they will increase to $9 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $66 in 2016; they will increase to $85 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $30 in 2016; they will decrease to $29 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $133 in 2016; they will increase to $157 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $58 a month while their share of the highest cost silver plan is $198.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $221 from Kaiser, the lowest cost bronze plan is $253 from Kaiser; the lowest cost silver is $349 from Kaiser; the lowest cost gold is $386 from Kaiser, and the lowest cost platinum is$446 from Kaiser
For a forty year old with no premium assistance, the lowest cost bronze plan is $322 from Kaiser; the lowest cost silver is $444 from Kaiser; the lowest cost gold is $492 from Kaiser, and the lowest cost platinum is$568 from Kaiser.
Region 9: San Benito and Santa Cruz – 32,000 individuals enrolled of whom 89% receive premium assistance
Premiums for the lowest cost bronze are decreasing by -5.1%, for the lowest priced silver increasing by 0.2%. 64% are enrolled in an Anthem EPO whose premiums will increase by 31%, 32% are enrolled in a Blue Shield PPO whose premiums will increase by 24.3%. Kaiser has just entered the market in this region and will offer a substantial reduction in premiums compared to the premiums of the two Blues.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $4 in 2016; they will increase to $52 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $62 in 2016; they will increase to $165 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $28 in 2016; they will increase to $116 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $127 in 2016; they will increase to $259 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $59 a month while their share of the highest cost silver plan is $205.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $205 from Kaiser, the lowest cost bronze plan is $235 from Kaiser; the lowest cost silver is $324 from Kaiser; the lowest cost gold is $359 from Kaiser, and the lowest cost platinum is $414 from Kaiser.
For a forty year old with no premium assistance, the lowest cost bronze plan is $299 from Kaiser; the lowest cost silver is $412 from Kaiser; the lowest cost gold is $456 from Kaiser, and the lowest cost platinum is$527 from Kaiser.
Region 10: San Joaquin, Stanislaus, Merced and Tulare – 66,000 individuals enrolled of whom 94% receive premium assistance
Premiums for the lowest cost bronze are increasing by 2.8%, for the lowest priced silver by 9.3%. 68% are enrolled in an Anthem PPO whose premiums will increase by 8%, 8% are enrolled in a Blue Shield PPO whose premiums will increase by 18.5%. 24% are enrolled in Kaiser whose premiums will increase by 6%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $3 in 2016; they will increase to $4 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $54 in 2016; they will increase to $61 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $37 in 2016; they will decrease to $22 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $118 in 2016; they will increase to $127 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $50 a month while their share of the highest cost silver plan is $199.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $164 from Anthem, the lowest cost bronze plan is $190 from Anthem; the lowest cost silver is $275 from Anthem; the lowest cost gold is $313 from Kaiser, and the lowest cost platinum is $361 from Kaiser.
For a forty year old with no premium assistance, the lowest cost bronze plan is $242 from Anthem; the lowest cost silver is $350 from Anthem; the lowest cost gold is $398 from Kaiser, and the lowest cost platinum is$460 from Kaiser.
Region 11: Fresno, Kings, and Madera – 31,000 individuals enrolled of whom 94% receive premium assistance
Premiums for the lowest cost bronze are increasing by 4.2%, for the lowest priced silver by 16.6%. 35% are enrolled in an Anthem PPO whose premiums will increase by 8.2%, 38% are enrolled in a Blue Shield PPO whose premiums will increase by 16.4%. 26% are enrolled in Kaiser whose premiums will increase by 6%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $1 in 2016; they will increase to $2 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $54 in 2016; they will increase to $56 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $50 in 2016; they will decrease to $37 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $118 in 2016; they will increase to $121 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $41 a month while their share of the highest cost silver plan is $164.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $167 from Anthem, the lowest cost bronze plan is $193 from Anthem; the lowest cost silver is $255 from Blue Shield; the lowest cost gold is $298 from Kaiser, and the lowest cost platinum is $344 from Kaiser.
For a forty year old with no premium assistance, the lowest cost bronze plan is $246 from Anthem; the lowest cost silver is $324 from Blue Shield; the lowest cost gold is $379 from Kaiser, and the lowest cost platinum is$438 from Kaiser.
Region 12: San Luis Obispo, Santa Barbara, and Ventura – 31,000 individuals enrolled of whom 94% receive premium assistance
Premiums for the lowest cost bronze are increasing by 2.3%, for the lowest priced silver by 1.3%. 42% are enrolled in an Anthem PPO whose premiums will increase by 13.8%, 47% are enrolled in a Blue Shield PPO whose premiums will increase by 20%. 11% are enrolled in Kaiser whose premiums will increase by 5.5%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $1 in 2016; they will increase to $4 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $52 in 2016; they will increase to $74 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $45 in 2016; they will increase to $48 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $114 in 2016; they will increase to $144 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $2 a month while their share of the highest cost silver plan is $111.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $192 from Kaiser, the lowest cost bronze plan is $219 from Kaiser; the lowest cost silver is $258 from Blue Shield; the lowest cost gold is $312 from Blue Shield, and the lowest cost platinum is $386 from Blue Shield.
For a forty year old with no premium assistance, the lowest cost bronze plan is $279 from Kaiser; the lowest cost silver is $328 from Blue Shield; the lowest cost gold is $398 from Blue Shield, and the lowest cost platinum is$491 from Blue Shield.
Region 13: Mono, Inyo, and Imperial – 9,500 individuals enrolled of whom 96% receive premium assistance
Premiums for the lowest cost bronze are increasing by 9.9%, for the lowest priced silver by 13.5%. 33% are enrolled in an Anthem PPO whose premiums will increase by 33%, 21% are enrolled in a Blue Shield PPO whose premiums will increase by 19%. 46% are enrolled in Molina whose premiums will increase by 12%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $40 in 2016; they will decrease to $35 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $114 in 2016; they will decrease to $99 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $100 in 2016; they will decrease to $86 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $194 in 2016; they will decrease to $175 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In this region for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $4 a month while their share of the highest cost silver plan is $184.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $185 from Kaiser, the lowest cost bronze plan is $191 from Molina; the lowest cost silver is $244 from Molina; the lowest cost gold is $273 from Molina, and the lowest cost platinum is $316 from Molina.
For a forty year old with no premium assistance, the lowest cost bronze plan is $243 from Molina; the lowest cost silver is $310 from Molina; the lowest cost gold is $348 from Molina, and the lowest cost platinum is$402 from Molina.
Region 14: Kern – 18,800 individuals enrolled of whom 93% receive premium assistance
Premiums for the lowest cost bronze are increasing by 3.4%, for the lowest priced silver by 4.0%. 37% are enrolled in an Anthem PPO whose premiums will increase by 7.6%, 46% are enrolled in a Blue Shield PPO whose premiums will increase by 18%. 16% are enrolled in Kaiser whose premiums will increase by 6%. 2% are enrolled in Health Net whose premiums will increase by 11%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $16 in 2016; they will decrease to $4 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $69 in 2016; they will decrease to $62 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $69 in 2016; they will decrease to $38 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $137 in 2016; they will decrease to $128 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In Kern for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $18 a month while their share of the highest cost silver plan is $96.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $174 from Anthem, the lowest cost bronze plan is $192 from Anthem; the lowest cost silver is $234 from Health Net; the lowest cost gold is $295 from Health Net, and the lowest cost platinum is $327 from Health Net.
For a forty year old with no premium assistance, the lowest cost bronze plan is $240 from Anthem; the lowest cost silver is $298 from Health Net; the lowest cost gold is $376 from Health Net, and the lowest cost platinum is$417 from Health Net.
Region 15: Los Angeles North East – 175,000 individuals enrolled of whom 90% receive premium assistance
Premiums for the lowest cost bronze are decreasing by -4.1%, increasing for the lowest priced silver by 3.3%. 10% are enrolled in an Anthem PPO whose premiums will increase by 27%, 46% are enrolled in a Blue Shield PPO whose premiums will increase by 21%. 12% are enrolled in Kaiser whose premiums will increase by 5.7%. 26% are enrolled in Health Net whose premiums will increase 12%. 3% are enrolled in LA Care whose premiums will increase by 3.7%. 1% are enrolled in Molina whose premiums will decline by 3.7%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $38 in 2016; they will increase to $47 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $64 in 2016; they will increase to $86 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $97 in 2016; they will increase to $108 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $131 in 2016; they will increase to $159 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In Los Angeles for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $52 a month while their share of the highest cost silver plan is $164.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $150 from Molina, the lowest cost bronze plan is $154 from Molina; the lowest cost silver is $197 from Molina; the lowest cost gold is $221 from Molina, and the lowest cost platinum is $255 from Molina.
For a forty year old with no premium assistance, the lowest cost bronze plan is $196 from Molina; the lowest cost silver is $251 from Molina; the lowest cost gold is $281 from Molina, and the lowest cost platinum is$325 from Molina.
Region 16: Los Angeles South West – 218,000 individuals enrolled of whom 85% receive premium assistance
Premiums for the lowest cost bronze are increasing by 5.3%, increasing for the lowest priced silver by 8.8%. 13% are enrolled in an Anthem EPO whose premiums will increase by 26%, 21% are enrolled in a Blue Shield PPO whose premiums will increase by 19.5%. 17% are enrolled in Kaiser whose premiums will increase by 5.4%. 26% are enrolled in Health Net whose premiums will increase 14.6%. 4% are enrolled in LA Care whose premiums will increase by 3.8%. 12% are enrolled in Molina whose premiums will increase by 7.1%. 1% is enrolled in Oscar whose premiums will increase 12.8%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $42 in 2016; they will increase to $43 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $81 in 2016; they will increase to $104 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $102 in 2016; they will increase to $104 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $152 in 2016; they will increase to $181 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In Los Angeles for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $45 a month while their share of the highest cost silver plan is $210.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $153 from Molina, the lowest cost bronze plan is $158 from Molina; the lowest cost silver is $201 from Molina; the lowest cost gold is $226 from Molina, and the lowest cost platinum is $261 from Molina.
For a forty year old with no premium assistance, the lowest cost bronze plan is $201 from Molina; the lowest cost silver is $256 from Molina; the lowest cost gold is $287 from Molina, and the lowest cost platinum is$332 from Molina.
Region 17: Riverside and San Bernardino – 130,000 individuals enrolled of whom 90% receive premium assistance
Premiums for the lowest cost bronze are increasing by 2.0%, increasing for the lowest priced silver by 5.4%. 8% are enrolled in an Anthem EPO whose premiums will increase by 18%, 31% are enrolled in a Blue Shield PPO whose premiums will increase by 18.4%. 20% are enrolled in Kaiser whose premiums will increase by 5.6%. 23% are enrolled in Health Net whose premiums will increase 4.1%. 15% are enrolled in Molina whose premiums will increase by 3.8%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $32 in 2016; they will increase to $37 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $73 in 2016; they will increase to $90 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $90 in 2016; they will increase to $96 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $141 in 2016; they will increase to $163 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In the Inland Empire for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $48 a month while their share of the highest cost silver plan is $186.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $153 from Molina, the lowest cost bronze plan is $158 from Molina; the lowest cost silver is $201 from Molina; the lowest cost gold is $226 from Molina, and the lowest cost platinum is $261 from Molina.
For a forty year old with no premium assistance, the lowest cost bronze plan is $201 from Molina; the lowest cost silver is $256 from Molina; the lowest cost gold is $287 from Molina, and the lowest cost platinum is$332 from Molina.
Region 18: Orange– 142,000 individuals enrolled of whom 88% receive premium assistance
Premiums for the lowest cost bronze are increasing by 2.0%, decreasing for the lowest priced silver by 0.2%. 26% are enrolled in an Anthem EPO whose premiums will increase by 21.7%, 40% are enrolled in a Blue Shield PPO whose premiums will increase by 18.1%. 12% are enrolled in Kaiser whose premiums will increase by 5.6%. 21% are enrolled in Health Net whose premiums will increase 4.1%. 0.2% are enrolled in Oscar whose premiums will decline 0.3%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $14 in 2016; they will increase to $39 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $63 in 2016; they will increase to $96 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $66 in 2016; they will increase to $99 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $129 in 2016; they will increase to $172 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In Orange for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $51 a month while their share of the highest cost silver plan is $133.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $174 from Molina, the lowest cost bronze plan is $179 from Molina; the lowest cost silver is $229 from Molina; the lowest cost gold is $256 from Molina, and the lowest cost platinum is $296 from Molina.
For a forty year old with no premium assistance, the lowest cost bronze plan is $228 from Molina; the lowest cost silver is $291 from Molina; the lowest cost gold is $326 from Molina, and the lowest cost platinum is$377 from Molina.
Region 19: San Diego– 128,700 individuals enrolled of whom 87% receive premium assistance
Premiums for the lowest cost bronze are increasing by 0.5%, increasing for the lowest priced silver by 3.8%. 9% are enrolled in an Anthem EPO whose premiums will increase by 25.8%, 21% are enrolled in a Blue Shield PPO whose premiums will increase by 18.2%. 23% are enrolled in Kaiser whose premiums will increase by 5.4%. 19% are enrolled in Health Net whose premiums will increase 6.2%. 9% are enrolled in Molina whose premiums will increase 2.4%. 10% are enrolled in Sharp Network 2 whose premiums will increase 4.7%. 8% are enrolled in Sharp Network 1 whose premiums will increase 8.4%.
For an individual 25 years of age with income at 150% of FPL, their premiums for a bronze plan were $33 in 2016; they will decrease to $31 in 2017. For an individual 25 years of age with income at 150% of FPL, their premiums for a silver plan were $81 in 2016; they will increase to $100 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
For an individual 40 years of age with income at 150% of FPL, their premiums for a bronze plan were $90 in 2016; they will decrease to $88 in 2017. For an individual 40 years of age with income at 200% of FPL, their premiums for a silver plan were $151 in 2016; they will increase to $176 in 2017. People choosing more expensive plans pay more and those choosing less costly plans pay less.
It is critically important that individuals with limited means comparison shop. In San Diego for a 40 year-old individual with an income of 150% of FPL, their share of the lowest cost silver plan is $49 a month while their share of the highest cost silver plan is $218.
For a twenty five year old with no premium assistance, the lowest cost catastrophic coverage plan is $158 from Sharp Network 1, the lowest cost bronze plan is $182 from Molina; the lowest cost silver is $233 from Molina; the lowest cost gold is $261 from Molina, and the lowest cost platinum is $302 from Molina.
For a forty year old with no premium assistance, the lowest cost bronze plan is $232 from Molina; the lowest cost silver is $297 from Molina; the lowest cost gold is $332 from Molina, and the lowest cost platinum is$384 from Molina.
Prepared by: Lucien Wulsin
Dated: 7/22/16
Updated: 10/29/16
Source: http://www.coveredca.com/news/pdfs/CoveredCA-2017-rate-booklet.pdf