Analysis of Covered California Premiums 2018
There are five tiers of coverage: catastrophic (50% of expected medical expenses), bronze (60%), silver (70%), gold (80%) and platinum (90%). Most Californians purchasing in Covered California have bought silver or bronze. Most Californians with employment-based coverage have coverage equivalent to a gold plan, and Medicare coverage is equivalent to a gold plan as well.
This year due to the Trump Administrations refusal to pay health plans for “cost sharing reductions” in silver plans, the calculus has changed for some. And if you are impacted, you may wish to look at buying bronze or gold depending on your income. Or if you are ineligible for federal premium assistance and you prefer silver, you may want to look at silver plans outside of Covered California.
This will give you a little guidance in making the decisions, but make sure you look carefully and choose wisely. The Affordable Care Act helps people pay for their individual coverage in two ways: premium assistance and cost sharing reductions.
Premium assistance is just what it says; it helps individuals pay their premiums. Assistance is graduated, people with the lowest incomes get the most help, and as your income increases, you pay more until premium assistance phases out at 400% of the federal poverty level – a bit over $48,000 for an individual or $98,000 for a family of four. The amount of your premium assistance depends on your income. It is a flat amount, based on your share of income; at the lowest level ($16,000 for an individual), you pay 2% of income or $320 a year or $26 a month if you picked the reference plan. Premium assistance is linked to the reference plan, the second lowest priced silver plan. If you pick a less expensive plan, you will get the same amount of premium assistance and your share of plan premiums will be far less. And if you pick a more expensive plan, you will get the same amount of premium assistance, and your share of premiums is far higher. So if you pick the most expensive platinum tier plan, you pay the highest share of premiums, and you get the same amount of federal premium assistance as those choosing for example the second lowest cost silver plan.
Cost sharing reductions are a reduction in your copays, deductibles, your out of pocket medical costs. It helps people access the medical services covered by their health plan. The purpose of coverage is to help you get healthy if you’re sick, or stay healthy if you are well. But if you cannot afford the copays and deductibles to go to the doctor, the plan is not serving its purpose. Cost sharing reductions help individuals with incomes up to 250% of FPL ($30,000 for an individual or $66,000 for a family of four). They are available only to those individuals who buy the silver plans. The advantage is a big reduction in your cost sharing, your copays and deductibles. For example, in the enhanced silver 94, your copay is $5 for a basic doctor visit; whereas in the standard silver it’s $35; in the bronze it’s $75; in the gold it’s $25, and in the platinum it’s $15. In the enhanced silver 94, there are no deductibles. The same sort of reductions in copays and deductibles apply to specialty care, ER visits, prescriptions and hospitalizations.
So if you are eligible for premium assistance and for substantial cost sharing reductions, the silver tier plans are often your best bet.
The Trump bump is a 12.5% surcharge (on average) on the premiums of silver plans. This bump is because this year President Trump and House Republicans and some Senate Republicans too are refusing to pay health plans for the cost sharing reductions to their subscribers enrolled in silver plans. Eligible subscribers will still get the cost sharing reductions. This reimburses the plans for the federal funding that President Trump has held up.
For those with premium assistance but with little or no cost sharing reductions, this development now may make either bronze or gold tier plans a much better buy for you. Check out for example the price differentials for silver and gold in the Kaiser, Sharp and LA Care plans. For those who are not eligible for premium assistance, but who want silver tier coverage, you can buy it from the same plans outside Covered California but at an average premium about 12.5% less.
Below are the plans in each of California’s 19 regions and their premiums for a 20 year old, forty year old and sixty year old. You can access all the plan premiums for all ages at: http://hbex.coveredca.com/data-research/
There are more offerings on the Exchange than those I have included here. For example, Blue Shield offers both HMO and PPO coverage, but the PPO coverage costs less so that is what I included in this summary. Kaiser offers coverage with copays and coverage with co-insurance; I just reported here the coverage with copays as the premiums are less.
Some of you may not understand the differences between PPOs, HMOs and EPOs. In a PPO, you can go out of network and pay the extra costs associated with the doctor or hospital of your choice that is not under contract with your health plan. In EPOs and HMOs, if you go out of network, you may end up paying the whole cost of the out of network provider, except in genuine emergencies or upon referral from your health plan. PPOs typically have broader networks with more loosely managed care than do HMOs and EPOs. Doctors are paid under different arrangements between PPOs (fee for service) and HMOs (capitation). HMOs can be either staff model (Kaiser Permanente) or IPA model (Blue Shield HMO). You may or may not prefer one or the other of these models.
Premiums for PPOs vary widely based on the contracts they have negotiated with local doctors and hospitals. In rural areas with only one hospital and medical group, there is very little basis for price competition and thus very high provider prices and health plan premiums. To the converse, Los Angeles with lots of hospitals and doctors is more fruitful ground for plan and provider competition and thus lower provider prices and health plan premiums. In certain regions, like the Bay Area, there are strong hospital oligopolies, which also lead to higher prices and premiums.
So the premium variations you can see below reflect the very real advantages and the very real disadvantages of “competition” in our health care system. The Affordable Care Act through the mechanisms of premium assistance and cost sharing reductions protect and insulate low, moderate and middle income subscribers from the worst effects which would otherwise price them completely out of care and coverage. It’s a good starting point despite the current political turmoil. It’s particularly helpful in rural communities where wages are low and premiums inordinately high and for older Californians whose premiums are remarkably high. Regardless of your political, ideological persuasions, here is the starting point for Covered California in 2018.
Region 1 (Rural North and Central)
· Blue Cross Bronze EPO
§ Twenty year old: 283
§ Forty year old: 373
§ Sixty year old: 792
· Blue Shield PPO Bronze
§ Twenty year old: 320
§ Forty year old: 422
§ Sixty year old: 897
· Blue Cross Silver EPO
§ Twenty year old: 457
§ Forty year old: 601
§ Sixty year old: 1272
· Blue Shield Silver PPO
§ Twenty year old: 439
§ Forty year old: 578
§ Sixty year old: 1228
· Blue Cross Gold EPO
§ Twenty year old: 550
§ Forty year old: 725
§ Sixty year old: 1541
· Blue Shield Gold PPO
§ Twenty year old: 503
§ Forty year old: 663
§ Sixty year old: 1410
Rating Area 2 (North Bay)
· Kaiser Bronze HMO
§ Twenty year old: 211
§ Forty year old: 278
§ Sixty year old: 591
· Blue Shield PPO Bronze
§ Twenty year old: 347
§ Forty year old: 456
§ Sixty year old: 972
· Health Net EPO Bronze
§ Twenty year old: 329
§ Forty year old: 433
§ Sixty year old: 921
· Western Health Advantage HMO Bronze
§ Twenty year old: 260
§ Forty year old: 342
§ Sixty year old: 727
· Kaiser HMO Silver
§ Twenty year old: 382
§ Forty year old: 503
§ Sixty year old: 1069
· Blue Shield Silver PPO
§ Twenty year old: 475
§ Forty year old: 626
§ Sixty year old: 1331
· Health Net EPO Silver
§ Twenty year old: 493
§ Forty year old: 650
§ Sixty year old: 1381
· Western Health Advantage HMO Silver
§ Twenty year old: 398
§ Forty year old: 524
§ Sixty year old: 1113
· Kaiser HMO Gold
§ Twenty year old: 386
§ Forty year old: 509
§ Sixty year old: 1082
· Blue Shield Gold PPO
§ Twenty year old: 546
§ Forty year old: 719
§ Sixty year old: 1528
· Health Net EPO Gold
§ Twenty year old: 544
§ Forty year old: 717
§ Sixty year old: 1524
· Western Health Advantage HMO Gold
§ Twenty year old: 408
§ Forty year old: 535
§ Sixty year old: 1137
Rating Area 3 (Sacramento region)
· Kaiser Bronze HMO
§ Twenty year old: 236
§ Forty year old: 311
§ Sixty year old: 660
· Blue Shield PPO Bronze
§ Twenty year old: 341
§ Forty year old: 449
§ Sixty year old: 953
· Health Net PPO Bronze
§ Twenty year old: 278
§ Forty year old: 366
§ Sixty year old: 778
· Western Health Advantage HMO Bronze
§ Twenty year old: 280
§ Forty year old: 369
§ Sixty year old: 784
· Kaiser HMO Silver
§ Twenty year old: 363
§ Forty year old: 478
§ Sixty year old: 1015
· Blue Shield Silver PPO
§ Twenty year old: 467
§ Forty year old: 615
§ Sixty year old: 1305
· Health Net PPO Silver
§ Twenty year old: 443
§ Forty year old: 584
§ Sixty year old: 1240
· Western Health Advantage HMO Silver
§ Twenty year old: 422
§ Forty year old: 478
§ Sixty year old: 1015
· Kaiser HMO Gold
§ Twenty year old: 367
§ Forty year old: 484
§ Sixty year old: 1026
· Blue Shield Gold PPO
§ Twenty year old: 535
§ Forty year old: 705
§ Sixty year old: 1499
· Health Net EPO Gold
§ Twenty year old: 510
§ Forty year old: 672
§ Sixty year old: 1429
· Western Health Advantage HMO Gold
§ Twenty year old: 431
§ Forty year old: 568
§ Sixty year old: 1206
Rating Area 4 (San Francisco)
· Kaiser Bronze HMO
§ Twenty year old: 261
§ Forty year old: 344
§ Sixty year old: 730
· Blue Shield PPO Bronze
§ Twenty year old: 334
§ Forty year old: 440
§ Sixty year old: 935
· Health Net EPO Bronze
§ Twenty year old: 355
§ Forty year old: 468
§ Sixty year old: 984
· Chinese Community Health Plan HMO Bronze
§ Twenty year old: 259
§ Forty year old: 341
§ Sixty year old: 726
· Oscar Health Plan EPO Bronze
§ Twenty year old: 290
§ Forty year old: 383
§ Sixty year old: 814
· Kaiser HMO Silver
§ Twenty year old: 401
§ Forty year old: 528
§ Sixty year old: 1122
· Blue Shield Silver PPO
§ Twenty year old: 457
§ Forty year old: 602
§ Sixty year old: 1280
· Health Net EPO Silver
§ Twenty year old: 532
§ Forty year old: 701
§ Sixty year old: 1491
· Chinese Community Health Plan HMO Silver
§ Twenty year old: 381
§ Forty year old: 502
§ Sixty year old: 1066
§
· Oscar EPO Silver
§ Twenty year old: 460
§ Forty year old: 606
§ Sixty year old: 1289
· Kaiser HMO Gold
§ Twenty year old: 406
§ Forty year old: 535
§ Sixty year old: 1135
· Blue Shield Gold PPO
§ Twenty year old: 525
§ Forty year old: 692
§ Sixty year old: 1469
· Health Net EPO Gold
§ Twenty year old: 587
§ Forty year old: 774
§ Sixty year old: 1644
· Chinese Community Health Plan HMO Gold
§ Twenty year old: 404
§ Forty year old: 533
§ Sixty year old: 1132
· Oscar EPO Gold
§ Twenty year old: 507
§ Forty year old: 668
§ Sixty year old: 1418
Rating Area 5 (Contra Costa)
· Kaiser Bronze HMO
§ Twenty year old: 236
§ Forty year old: 311
§ Sixty year old: 661
· Blue Shield PPO Bronze
§ Twenty year old: 321
§ Forty year old: 423
§ Sixty year old: 899
· Health Net EPO Bronze
§ Twenty year old: 320
§ Forty year old: 421
§ Sixty year old: 895
· Kaiser HMO Silver
§ Twenty year old: 363
§ Forty year old: 478
§ Sixty year old: 1015
· Blue Shield Silver PPO
§ Twenty year old: 439
§ Forty year old: 579
§ Sixty year old: 1229
· Health Net EPO Silver
§ Twenty year old: 480
§ Forty year old: 632
§ Sixty year old: 1343
· Kaiser HMO Gold
§ Twenty year old: 367
§ Forty year old: 484
§ Sixty year old: 1028
· Blue Shield Gold PPO
§ Twenty year old: 504
§ Forty year old: 665
§ Sixty year old: 1412
· Health Net EPO Gold
§ Twenty year old: 529
§ Forty year old: 697
§ Sixty year old: 1481
Rating Area 6 (Alameda)
· Kaiser Bronze HMO
§ Twenty year old: 242
§ Forty year old: 319
§ Sixty year old: 678
· Blue Shield PPO Bronze
§ Twenty year old: 300
§ Forty year old: 395
§ Sixty year old: 839
· Kaiser HMO Silver
§ Twenty year old: 372
§ Forty year old: 490
§ Sixty year old: 1042
· Blue Shield Silver PPO
§ Twenty year old: 410
§ Forty year old: 541
§ Sixty year old: 1149
· Kaiser HMO Gold
§ Twenty year old: 377
§ Forty year old: 497
§ Sixty year old: 1055
· Blue Shield Gold PPO
§ Twenty year old: 471
§ Forty year old: 621
§ Sixty year old: 1319
Rating Area 7 (Santa Clara)
· Kaiser Bronze HMO
§ Twenty year old: 242
§ Forty year old: 319
§ Sixty year old: 678
· Blue Cross EPO Bronze
§ Twenty year old: 231
§ Forty year old: 331
§ Sixty year old: 704
· Blue Shield PPO Bronze
§ Twenty year old: 360
§ Forty year old: 475
§ Sixty year old: 1009
· Valley HMO Bronze
§ Twenty year old: 210
§ Forty year old: 277
§ Sixty year old: 590
· Kaiser HMO Silver
§ Twenty year old: 372
§ Forty year old: 490
§ Sixty year old: 1042
· Blue Cross EPO Silver
§ Twenty year old: 405
§ Forty year old: 534
§ Sixty year old: 1135
· Blue Shield Silver PPO
§ Twenty year old: 494
§ Forty year old: 650
§ Sixty year old: 1382
· Valley HMO Silver
§ Twenty year old: 312
§ Forty year old: 411
§ Sixty year old: 874
· Kaiser HMO Gold
§ Twenty year old: 377
§ Forty year old: 497
§ Sixty year old: 1055
· Blue Cross EPO Gold
§ Twenty year old: 489
§ Forty year old: 644
§ Sixty year old: 1369
· Blue Shield Gold PPO
§ Twenty year old: 567
§ Forty year old: 747
§ Sixty year old: 1587
· Valley HMO Gold
§ Twenty year old: 349
§ Forty year old: 460
§ Sixty year old: 977
Rating Area 8 (San Mateo)
· Kaiser Bronze HMO
§ Twenty year old: 261
§ Forty year old: 344
§ Sixty year old: 730
· Health Net EPO Bronze
§ Twenty year old: 382
§ Forty year old: 503
§ Sixty year old: 1089
· Blue Shield PPO Bronze
§ Twenty year old: 358
§ Forty year old: 472
§ Sixty year old: 1002
· Chinese Community Health Plan HMO Bronze
§ Twenty year old: 280
§ Forty year old: 369
§ Sixty year old: 784
· Kaiser HMO Silver
§ Twenty year old: 401
§ Forty year old: 528
§ Sixty year old: 1122
· Health Net EPO Silver
§ Twenty year old: 573
§ Forty year old: 755
§ Sixty year old: 1603
· Blue Shield Silver PPO
§ Twenty year old: 490
§ Forty year old: 646
§ Sixty year old: 1372
· CCHP HMO Silver
§ Twenty year old: 411
§ Forty year old: 542
§ Sixty year old: 1151
· Kaiser HMO Gold
§ Twenty year old: 408
§ Forty year old: 535
§ Sixty year old: 1136
· Health Net EPO Gold
§ Twenty year old: 632
§ Forty year old: 832
§ Sixty year old: 1768
· Blue Shield Gold PPO
§ Twenty year old: 563
§ Forty year old: 742
§ Sixty year old: 1575
· CCHP HMO Gold
§ Twenty year old: 437
§ Forty year old: 576
§ Sixty year old: 1223
Rating Area 9 (Santa Cruz Monterrey)
· Kaiser Bronze HMO
§ Twenty year old: 242
§ Forty year old: 319
§ Sixty year old: 678
· Health Net EPO Bronze
§ Twenty year old: 262
§ Forty year old: 345
§ Sixty year old: 734
· Blue Shield PPO Bronze
§ Twenty year old: 380
§ Forty year old: 501
§ Sixty year old: 1064
· Kaiser HMO Silver
§ Twenty year old: 372
§ Forty year old: 490
§ Sixty year old: 1042
· Health Net EPO Silver
§ Twenty year old: 393
§ Forty year old: 518
§ Sixty year old: 1101
· Blue Shield Silver PPO
§ Twenty year old: 520
§ Forty year old: 686
§ Sixty year old: 1457
· Kaiser HMO Gold
§ Twenty year old: 377
§ Forty year old: 497
§ Sixty year old: 1055
· Health Net EPO Gold
§ Twenty year old: 434
§ Forty year old: 572
§ Sixty year old: 1215
· Blue Shield Gold PPO
§ Twenty year old: 598
§ Forty year old: 788
§ Sixty year old: 1673
Rating Area 10 (Stanislaus, San Joaquin, Tulare)
· Blue Cross Bronze EPO
§ Twenty year old: 241
§ Forty year old: 318
§ Sixty year old: 676
· Kaiser Bronze HMO
§ Twenty year old: 211
§ Forty year old: 278
§ Sixty year old: 591
· Blue Shield PPO Bronze
§ Twenty year old: 317
§ Forty year old: 417
§ Sixty year old: 887
· Health Net EPO Bronze
§ Twenty year old: 326
§ Forty year old: 429
§ Sixty year old: 912
· Blue Cross EPO Silver
§ Twenty year old: 389
§ Forty year old: 513
§ Sixty year old: 1091
· Kaiser HMO Silver
§ Twenty year old: 325
§ Forty year old: 428
§ Sixty year old: 908
· Blue Shield Silver PPO
§ Twenty year old: 434
§ Forty year old: 577
§ Sixty year old: 1214
· Health Net EPO Silver
§ Twenty year old: 489
§ Forty year old: 645
§ Sixty year old: 1369
· Blue Cross EPO Gold
§ Twenty year old: 470
§ Forty year old: 619
§ Sixty year old: 1316
· Kaiser HMO Gold
§ Twenty year old: 328
§ Forty year old: 433
§ Sixty year old: 920
· Blue Shield Gold PPO
§ Twenty year old: 498
§ Forty year old: 655
§ Sixty year old: 1394
· Health Net EPO Gold
§ Twenty year old: 539
§ Forty year old: 711
§ Sixty year old: 1510
Rating Area 11 (Fresno, Madera, Kings)
· Kaiser Bronze HMO
§ Twenty year old: 201
§ Forty year old: 265
§ Sixty year old: 563
· Blue Shield PPO Bronze
§ Twenty year old: 209
§ Forty year old: 276
§ Sixty year old: 586
· Kaiser HMO Silver
§ Twenty year old: 309
§ Forty year old: 407
§ Sixty year old: 865
· Blue Shield Silver PPO
§ Twenty year old: 289
§ Forty year old: 378
§ Sixty year old: 802
· Kaiser HMO Gold
§ Twenty year old: 313
§ Forty year old: 412
§ Sixty year old: 876
· Blue Shield Gold PPO
§ Twenty year old: 329
§ Forty year old: 433
§ Sixty year old: 921
Rating Area 12 (San Luis Obispo, Santa Barbara, Ventura)
· Kaiser Bronze HMO
§ Twenty year old: 232
§ Forty year old: 306
§ Sixty year old: 649
· Blue Shield PPO Bronze
§ Twenty year old: 263
§ Forty year old: 346
§ Sixty year old: 735
· Kaiser HMO Silver
§ Twenty year old: 357
§ Forty year old: 470
§ Sixty year old: 998
· Blue Shield Silver PPO
§ Twenty year old: 359
§ Forty year old: 474
§ Sixty year old: 1007
· Kaiser HMO Gold
§ Twenty year old: 361
§ Forty year old: 476
§ Sixty year old: 1011
· Blue Shield Gold PPO
§ Twenty year old: 413
§ Forty year old: 544
§ Sixty year old: 1156
Rating Area 13 (Imperial, Mono, Inyo)
· Kaiser Bronze HMO
§ Twenty year old: 220
§ Forty year old: 290
§ Sixty year old: 617
· Blue Shield PPO Bronze
§ Twenty year old: 329
§ Forty year old: 433
§ Sixty year old: 920
· Molina HMO Bronze
§ Twenty year old: 221
§ Forty year old: 291
§ Sixty year old: 617
· Kaiser HMO Silver
§ Twenty year old: 339
§ Forty year old: 446
§ Sixty year old: 948
· Blue Shield Silver PPO
§ Twenty year old: 450
§ Forty year old: 593
§ Sixty year old: 1260
· Molina HMO Silver
§ Twenty year old: 326
§ Forty year old: 430
§ Sixty year old: 913
· Kaiser HMO Gold
§ Twenty year old: 343
§ Forty year old: 452
§ Sixty year old: 960
· Blue Shield Gold PPO
§ Twenty year old: 517
§ Forty year old: 681
§ Sixty year old: 1447
· Molina HMO Gold
§ Twenty year old: 339
§ Forty year old: 447
§ Sixty year old: 950
Rating Area 14 (Kern)
· Kaiser Bronze HMO
§ Twenty year old: 211
§ Forty year old: 278
§ Sixty year old: 590
· Blue Shield PPO Bronze
§ Twenty year old: 220
§ Forty year old: 290
§ Sixty year old: 617
· Health Net HMO Bronze
§ Twenty year old: 240
§ Forty year old: 317
§ Sixty year old: 672
· Kaiser HMO Silver
§ Twenty year old: 324
§ Forty year old: 427
§ Sixty year old: 907
· Blue Shield Silver PPO
§ Twenty year old: 302
§ Forty year old: 398
§ Sixty year old: 802
· Health Net HMO Silver
§ Twenty year old: 287
§ Forty year old: 378
§ Sixty year old: 802
· Kaiser HMO Gold
§ Twenty year old: 328
§ Forty year old: 432
§ Sixty year old: 919
· Blue Shield Gold PPO
§ Twenty year old: 346
§ Forty year old: 456
§ Sixty year old: 969
· Health Net HMO Gold
§ Twenty year old: 321
§ Forty year old: 423
§ Sixty year old: 899
Rating Area 15 (LA, Northeast)
· Kaiser Bronze HMO
§ Twenty year old: 193
§ Forty year old: 254
§ Sixty year old: 540
· Blue Shield PPO Bronze
§ Twenty year old: 204
§ Forty year old: 269
§ Sixty year old: 571
· Health Net HMO Bronze
§ Twenty year old: 173
§ Forty year old: 228
§ Sixty year old: 483
· LA Care HMO Bronze
§ Twenty year old: 189
§ Forty year old: 249
§ Sixty year old: 530
· Molina HMO Bronze
§ Twenty year old: 208
§ Forty year old: 274
§ Sixty year old: 582
· Oscar EPO Bronze
§ Twenty year old: 196
§ Forty year old: 258
§ Sixty year old: 548
· Kaiser HMO Silver
§ Twenty year old: 297
§ Forty year old: 391
§ Sixty year old: 830
· Blue Shield Silver PPO
§ Twenty year old: 279
§ Forty year old: 368
§ Sixty year old: 782
· Health Net HMO Silver
§ Twenty year old: 275
§ Forty year old: 363
§ Sixty year old: 771
· LA Care HMO Silver
§ Twenty year old: 240
§ Forty year old: 316
§ Sixty year old: 672
· Molina HMO Silver
§ Twenty year old: 308
§ Forty year old: 406
§ Sixty year old: 863
· Oscar EPO Silver
§ Twenty year old: 309
§ Forty year old: 408
§ Sixty year old: 867
· Kaiser HMO Gold
§ Twenty year old: 300
§ Forty year old: 396
§ Sixty year old: 841
· Blue Shield Silver Gold
§ Twenty year old: 321
§ Forty year old: 423
§ Sixty year old: 898
· Health Net HMO Gold
§ Twenty year old: 317
§ Forty year old: 418
§ Sixty year old: 888
· LA Care HMO Gold
§ Twenty year old: 249
§ Forty year old: 328
§ Sixty year old: 698
· Molina HMO Gold
§ Twenty year old: 320
§ Forty year old: 422
§ Sixty year old: 897
· Oscar EPO Gold
§ Twenty year old: 341
§ Forty year old: 450
§ Sixty year old: 956
Rating Area 16 (LA Northwest)
· Kaiser Bronze HMO
§ Twenty year old: 202
§ Forty year old: 266
§ Sixty year old: 566
· Blue Shield PPO Bronze
§ Twenty year old: 279
§ Forty year old: 367
§ Sixty year old: 760
· Health Net PPO Bronze
§ Twenty year old: 217
§ Forty year old: 286
§ Sixty year old: 608
· Health Net HMO Bronze
§ Twenty year old: 255
§ Forty year old: 335
§ Sixty year old: 713
· LA Care HMO Bronze
§ Twenty year old: 203
§ Forty year old: 266
§ Sixty year old: 566
· Molina HMO Bronze
§ Twenty year old: 200
§ Forty year old: 263
§ Sixty year old: 559
· Oscar EPO Bronze
§ Twenty year old: 200
§ Forty year old: 263
§ Sixty year old: 560
· Kaiser HMO Silver
§ Twenty year old: 310
§ Forty year old: 409
§ Sixty year old: 869
· Blue Shield Silver PPO
§ Twenty year old: 381
§ Forty year old: 502
§ Sixty year old: 1068
· Health Net PPO Silver
§ Twenty year old: 347
§ Forty year old: 457
§ Sixty year old: 970
· Health Net HMO Silver
§ Twenty year old: 261
§ Forty year old: 344
§ Sixty year old: 739
· LA Care HMO Silver
§ Twenty year old: 257
§ Forty year old: 339
§ Sixty year old: 720
· Molina HMO Silver
§ Twenty year old: 296
§ Forty year old: 390
§ Sixty year old: 829
· Oscar EPO Silver
§ Twenty year old: 316
§ Forty year old: 417
§ Sixty year old: 885
· Kaiser HMO Gold
§ Twenty year old: 314
§ Forty year old: 414
§ Sixty year old: 880
· Blue Shield Gold PPO
§ Twenty year old: 438
§ Forty year old: 577
§ Sixty year old: 1226
· Health Net PPO Gold
§ Twenty year old: 399
§ Forty year old: 526
§ Sixty year old: 1118
· Health Net HMO Gold
§ Twenty year old: 292
§ Forty year old: 385
§ Sixty year old: 818
· LA Care HMO Gold
§ Twenty year old: 267
§ Forty year old: 352
§ Sixty year old: 748
· Molina HMO Gold
§ Twenty year old: 308
§ Forty year old: 406
§ Sixty year old: 862
· Oscar EPO Gold
§ Twenty year old: 349
§ Forty year old: 459
§ Sixty year old: 976
Rating Area 17 (Riverside and San Bernardino)
· Kaiser Bronze HMO
§ Twenty year old: 204
§ Forty year old: 269
§ Sixty year old: 571
· Blue Shield PPO Bronze
§ Twenty year old: 227
§ Forty year old: 299
§ Sixty year old: 635
· Health Net PPO Bronze
§ Twenty year old: 188
§ Forty year old: 247
§ Sixty year old: 525
· Health Net HMO Bronze
§ Twenty year old: 249
§ Forty year old: 328
§ Sixty year old: 697
· Molina HMO Bronze
§ Twenty year old: 202
§ Forty year old: 263
§ Sixty year old: 559
· Kaiser HMO Silver
§ Twenty year old: 313
§ Forty year old: 413
§ Sixty year old: 877
· Blue Shield Silver PPO
§ Twenty year old: 310
§ Forty year old: 409
§ Sixty year old: 870
· Health Net PPO Silver
§ Twenty year old: 299
§ Forty year old: 394
§ Sixty year old: 837
· Health Net HMO Silver
§ Twenty year old: 273
§ Forty year old: 359
§ Sixty year old: 764
· Molina HMO Silver
§ Twenty year old: 296
§ Forty year old: 390
§ Sixty year old: 829
· Kaiser HMO Gold
§ Twenty year old: 317
§ Forty year old: 418
§ Sixty year old: 889
· Blue Shield Silver PPO
§ Twenty year old: 356
§ Forty year old: 470
§ Sixty year old: 998
· Health Net PPO Gold
§ Twenty year old: 344
§ Forty year old: 454
§ Sixty year old: 964
· Health Net HMO Gold
§ Twenty year old: 305
§ Forty year old: 403
§ Sixty year old: 856
· Molina HMO Gold
§ Twenty year old: 308
§ Forty year old: 406
§ Sixty year old: 862
Rating Area 18 (Orange)
· Kaiser Bronze HMO
§ Twenty year old: 220
§ Forty year old: 290
§ Sixty year old: 617
· Blue Shield PPO Bronze
§ Twenty year old: 248
§ Forty year old: 327
§ Sixty year old: 694
· Health Net PPO Bronze
§ Twenty year old: 219
§ Forty year old: 288
§ Sixty year old: 612
· Health Net HMO Bronze
§ Twenty year old: 237
§ Forty year old: 313
§ Sixty year old: 685
· Molina HMO Bronze
§ Twenty year old: 214
§ Forty year old: 282
§ Sixty year old: 599
· Oscar EPO Bronze
§ Twenty year old: 198
§ Forty year old: 261
§ Sixty year old: 554
· Kaiser HMO Silver
§ Twenty year old: 336
§ Forty year old: 446
§ Sixty year old: 948
· Blue Shield Silver PPO
§ Twenty year old: 340
§ Forty year old: 448
§ Sixty year old: 951
· Health Net PPO Silver
§ Twenty year old: 349
§ Forty year old: 460
§ Sixty year old: 977
· Health Net HMO Silver
§ Twenty year old: 282
§ Forty year old: 371
§ Sixty year old: 789
· Molina HMO Silver
§ Twenty year old: 317
§ Forty year old: 418
§ Sixty year old: 888
· Oscar EPO Silver
§ Twenty year old: 313
§ Forty year old: 412
§ Sixty year old: 876
· Kaiser HMO Gold
§ Twenty year old: 343
§ Forty year old: 452
§ Sixty year old: 960
· Blue Shield Gold PPO
§ Twenty year old: 390
§ Forty year old: 514
§ Sixty year old: 1091
· Health Net PPO Gold
§ Twenty year old: 402
§ Forty year old: 530
§ Sixty year old: 1125
· Health Net HMO Gold
§ Twenty year old: 316
§ Forty year old: 416
§ Sixty year old: 884
· Molina HMO Gold
§ Twenty year old: 330
§ Forty year old: 435
§ Sixty year old: 923
· Oscar EPO Gold
§ Twenty year old: 345
§ Forty year old: 455
§ Sixty year old: 96f6
Rating Area 19 (San Diego)
· Kaiser Bronze HMO
§ Twenty year old: 213
§ Forty year old: 281
§ Sixty year old: 597
· Blue Shield PPO Bronze
§ Twenty year old: 279
§ Forty year old: 368
§ Sixty year old: 782
· Health Net PPO Bronze
§ Twenty year old: 229
§ Forty year old: 302
§ Sixty year old: 641
· Health Net HMO Bronze
§ Twenty year old: 240
§ Forty year old: 316
§ Sixty year old: 672
· Molina HMO Bronze
§ Twenty year old: 214
§ Forty year old: 282
§ Sixty year old: 599
· Sharp HMO Bronze
§ Twenty year old: 216
§ Forty year old: 285
§ Sixty year old: 605
· Kaiser HMO Silver
§ Twenty year old: 328
§ Forty year old: 432
§ Sixty year old: 917
· Blue Shield Silver PPO
§ Twenty year old: 382
§ Forty year old: 504
§ Sixty year old: 1071
· Health Net PPO Silver
§ Twenty year old: 365
§ Forty year old: 481
§ Sixty year old: 1022
· Health Net HMO Silver
§ Twenty year old: 297
§ Forty year old: 391
§ Sixty year old: 831
· Molina HMO Silver
§ Twenty year old: 317
§ Forty year old: 418
§ Sixty year old: 888
· Sharp HMO Silver
§ Twenty year old: 363
§ Forty year old: 479
§ Sixty year old: 1018
· Kaiser HMO Gold
§ Twenty year old: 332
§ Forty year old: 437
§ Sixty year old: 929
· Blue Shield Gold PPO
§ Twenty year old: 439
§ Forty year old: 579
§ Sixty year old: 1229
· Health Net PPO Gold
§ Twenty year old: 421
§ Forty year old: 555
§ Sixty year old: 1178
· Health Net HMO Gold
§ Twenty year old: 333
§ Forty year old: 438
§ Sixty year old: 031
· Molina HMO Gold
§ Twenty year old: 330
§ Forty year old: 435
§ Sixty year old: 923
· Sharp HMO Silver
§ Twenty year old: 350
§ Forty year old: 461
§ Sixty year old: 980
Prepared by: Lucien Wulsin
Dated: 11/2/17