Preview of 2018 ACA plans is LIVE

Thanks, Sue J! Had gone to regular site this morning but didn't see a link.
 
Thanks! Looks like I have two choices of providers. The first one is literally almost free for the cheapest bronze (under $1) if I qualify for the subsidy, but it doesn't seem to have any of the doctors I use. The other one starts at $700/month and has my family physician and one specialist I'm hopefully about done with, but not the sports med doctor I sometimes go to. I guess I need to see how bad it is to use out of network doctors. Does that mean you have to pull full rates and not the plan negotiated rates with those doctors?
 
We have only 2 providers this year instead of 4 but luckily the current one we have is still available and it looks like our premium will go down since our plan is the second lowest cost silver plan.
 
Our subsidy has gone from large to HUGE, based on similar income! I think this is because the SLCSP price took a huge jump.

For 2017 our SLCSP was $551 each at age 61.

For 2018 our SLCSP is $769 each at age 62.

Glad to see that our current Silver plan is being offered again. I'm also seeing a couple of affordable HSA plans that are new for 2018. We hope to stay with our current insurer so that's good news.

If you want to, post your age and full price of your SLCSP for an individual. It should be interesting to see how they vary by area.

I'm in Northeast Ohio which is a fairly low COL area.
 
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Second Lowest Cost Silver Plan. It's the "benchmark" for how your subsidy is computed.

Based on your income a percentage of your income is what is "affordable". The IRS has a chart for this, but you can ballpark it at less than 10%. That affordable amount is compared to the SLCSP and the difference is your subsidy.

Once you get to the plans you can use the Refine Results button and filter for Silver plans. Scroll down to the bottom and click Apply Filters. The 2nd one in the list is the SLCSP. In the plan previews both the full cost and the subsidized prices are shown. Your subsidy is also at the top of the page.

The prices in the preview are per family. For DH and I just divided by 2.
 
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Here in metro Atlanta, we're down to only two providers now that BCBS has exited the marketplace. But the good news is that premiums for 2018 seem pretty reasonable and my primary physician is in-network for one of the providers (Ambetter). Factoring in my projected subsidy, looks like the lowest cost bronze-level HSA plan will be under $300/month. Not bad.

Sue J said:
If you want to, post your age and full price of your SLCSP for an individual. It should be interesting to see how they vary by area.
Click to expand...

I'm 49, single with no kids, and my SLCSP is $560/month, full price.
 
My SLCSP is $1112, single, no kids, will be 56, in central VA.

Seems to me that I should go with the lowest cost bronze for almost free even if my docs are out of network, because I still only have to cover the max out-of-pocket, right? That's lower than the extra premiums I'd pay with the other plan, not to mention I'd still have to hit that deductible. Is there any other issue with going out of network other than having to pay the full rate for services (or negotiate), and possibly a higher rate between the deductible and max OOP?

The cheap plan is also not an HSA plan. That just makes it a little tougher to stay within the subsidy, which is going to be a lot more important next year.
 
RunningBum said:
My SLCSP is $1112, single, no kids, will be 56, in central VA.

Seems to me that I should go with the lowest cost bronze for almost free even if my docs are out of network, because I still only have to cover the max out-of-pocket, right? That's lower than the extra premiums I'd pay with the other plan, not to mention I'd still have to hit that deductible. Is there any other issue with going out of network other than having to pay the full rate for services (or negotiate), and possibly a higher rate between the deductible and max OOP?

The cheap plan is also not an HSA plan. That just makes it a little tougher to stay within the subsidy, which is going to be a lot more important next year.
Click to expand...

Check what the details are about going out of network. Do out of network providers even count toward your deductible? Or there may be a separate deductible for out of network expenses.
 
Sue J said:
Check what the details are about going out of network. Do out of network providers even count toward your deductible? Or there may be a separate deductible for out of network expenses.
Click to expand...
Helpful but painful observation. Deductible and OOP max are double for out of network. Seems to be separate, too. Ouch! Well, information is good. I still think avoiding $8K in premiums up front will put me ahead of all but the worst case of maxing out or going high in both out of network and in-network deductibles/OOP.
 
Sue J said:
Glad to see that our current Silver plan is being offered again. I'm also seeing a couple of affordable HSA plans that are new for 2018. .
Click to expand...

Yes saw the HSA plan added this year too which I'll be happy to use, especially as the premiums are next to nothing with the subsidy.
 
Well this was a welcoming surprise. The lowest BCBS plan only went up 100.00 for 2018.

Is it correct that you cannot contribute to an HSA plan if you receive a subsidy?

Next year is first year retired so looking forward to a subsidy and more travel !! :dance:
 
littleb said:
Is it correct that you cannot contribute to an HSA plan if you receive a subsidy?
Click to expand...
No, that's not true, unless I did my taxes wrong last year.

Make sure it's really an HSA compliant plan. Some plans look like they should qualify but don't actually make it, for one reason or another.
 
RunningBum said:
No, that's not true, unless I did my taxes wrong last year.

Make sure it's really an HSA compliant plan. Some plans look like they should qualify but don't actually make it, for one reason or another.
Click to expand...

Ok, I was looking at the wrong BC plan which is NOT HSA compliant.

Looks like next year will be the first time in over 10 years where I will hit my deductible since it is not HDHP. Deductible going from 6500 to 350 which is unbelievable!
 
littleb said:
Well this was a welcoming surprise. The lowest BCBS plan only went up 100.00 for 2018.

Is it correct that you cannot contribute to an HSA plan if you receive a subsidy?

Next year is first year retired so looking forward to a subsidy and more travel !! :dance:
Click to expand...

You can contribute to an HSA if you receive a subsidy. However, the plan you select must be HSA eligible.

FN
 
Anybody know the 200% income level with family of 4?

The difference between being above or below looks pretty big when looking at copays and deductible....
 
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Our bronze plan premium is up 25% from last year. Going to be $1526 per month for us, income a little too high for subsidy. Thank goodness my former employer offers an HRA to help subsidize about half of the cost.

My wife has a chronic condition and always maxes out her deductible and out of pocket limits. Still looks like a bronze plan is the best for us here in Connecticut.
 
If this is accurate I'm getting nailed with a 46% increase for a Silver plan. Just under $700 per month. No deductible. Bronze only saved $80 per month and everything is subject to a $6,850 deductible. I'm 51 and healthy. I do remember last year the plan I'm on Not increasing as much as shown on here and not offered in the market place. I can only hope the increase is not this steep. We only have one provider in this market.
 
Not much changes next year for me, still only one provider (BCBS-AZ) with 4 plans to choose from. Premium for the same Bronze HSA plan I currently have went up about 1%, looks like the subsidy went up the same amount.
 
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