I'm in GA. Pleasantly surprised that my Kaiser plan for next year is actually about 2% lower, in spite of us getting one year old. LOL.
Florida Blue costs & plans do not seem to be up yet on Healthcare.gov, not for our zip code at least.
Florida Blue plans are now available in our Tampa zip code.
At first glance, it appears that the premium cost is up 41%. Crazy.
This is for the 1443 Silver, which I think you also use.
Check the Gold plans. Are they less expensive than the Silver? In Pennsylvania, the insurance companies have "Silver Loaded" the costs of providing cost-sharing reductions (lower deductibles and co-pays) that the federal government previously paid for. These only apply to Silver plans. President Trump changed things so the government doesn't pay for those any longer. So the insurers pass the cost along in the form of higher cost Silver plans. The side effect is that overall subsidies go up because they are based on the second lowest cost Silver plan.
In my county, there are multiple Gold plans that cost less than some of the Silver ones.
Perhaps the insurers have started this in Florida now and this results in extra large increases in Silver plans this year. Just something to look out for.
Florida Blue plans are now available in our Tampa zip code.
At first glance, it appears that the premium cost is up 41%. Crazy.
This is for the 1443 Silver, which I think you also use.
Check the Gold plans. Are they less expensive than the Silver? In Pennsylvania, the insurance companies have "Silver Loaded" the costs of providing cost-sharing reductions (lower deductibles and co-pays) that the federal government previously paid for. These only apply to Silver plans. President Trump changed things so the government doesn't pay for those any longer. So the insurers pass the cost along in the form of higher cost Silver plans. The side effect is that overall subsidies go up because they are based on the second lowest cost Silver plan.
In my county, there are multiple Gold plans that cost less than some of the Silver ones.
Perhaps the insurers have started this in Florida now and this results in extra large increases in Silver plans this year. Just something to look out for.
A different angle.
Does the Max OOP generically refer to one's total OOP, or is the OOP only apply to in network doctors?
If it applies to Out of Network doctors, then the max cost would be worth it in return for a much lower premium. This would apply to HMO's vs. EPO's.
Supposedly insurers were wildly profitable last year because covid kept people from going to hospitals and doctors.
If they comply with the MLR requirement, it seems premiums shouldn't be going up as high as reported here.
I've received an MLR rebate from BCBS each of the last 3 years that has more than offset the premium increases for those years. It does make one wonder why their rate increases keep getting approved.