Come for the politics, stay for the snark.

Republicans are radicals, not conservatives.

The next time the wall street journal editorial board speaks the truth will be the first.

I see no possible difficulties whatsoever with this fool-proof plan.

Optimism opens the door to great things.

My years-long effort to drive family and friends away has really paid off this year.

Thanks to your bullshit, we are now under siege.

I’d like to think you all would remain faithful to me if i ever tried to have some of you killed.

A lot of Dems talk about what the media tells them to talk about. Not helpful.

Republicans don’t trust women.

Ah, the different things are different argument.

“That’s what the insurrection act is for!”

We are builders in a constant struggle with destroyers. let’s win this.

Prediction: the GOP will rethink its strategy of boycotting future committees.

I like you, you’re my kind of trouble.

You can’t love your country only when you win.

Battle won, war still ongoing.

Stamping your little feets and demanding that they see how important you are? Not working anymore.

I know this must be bad for Joe Biden, I just don’t know how.

Narcissists are always shocked to discover other people have agency.

I’ve spoken to my cat about this, but it doesn’t seem to do any good.

T R E 4 5 O N

They’re not red states to be hated; they are voter suppression states to be fixed.

No one could have predicted…

“In the future, this lab will be a museum. don’t touch it.”

You are here: Home / Anderson On Health Insurance / Changing Silver Spreads in North Carolina in 2019

Changing Silver Spreads in North Carolina in 2019

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North Carolina will have a significantly different ACA experience next year.  A new insurer, Centene, is entering a few counties in the Triangle region.  The Triangle will have three insurers: BCBS-NC, Cigna and Centene.  The rest of the state will still be a BCBS-NC monopoly.  BCBS-NC’s average premium is decreasing.

 

Pricing is collapsing in the regions where there are multiple hospital chains. BCBS-NC is aggressively going to a narrow network strategy in these regions with shared risk with the contracted hospital/provider groups. The rest of the state is seeing modest premium increases.

This continue current trends for the lived experience of the subsidized buyers in North Carolina as long as we assume near uniform percentage changes by metal band in each region.

In regions where prices are decreasing, the Silver Spreads between the least expensive Silver plan and the benchmark Silver plan will compress. Plans that are less expensive than the Benchmark (assuming uniform percentage changes in premiums) will become relatively more expensive in 2019 than they were in 2018 for subsidized buyers.

Subsidized buyers in Raleigh and Durham will have more choices but will probably be paying more for their plans. Unsubisidized buyers in these two cities along with their surrounding counties will have more choices including at least some that are at a lower premium in 2019 than they had in 2018. Unsubsidized buyers in Metro Charlotte will see lower premiums while subsidized buyers in Metro Charlotte should anticipate seeing slightly higher premiums for anything other than the benchmark Silver.

The rest of the state will see the inverse. Subsidized buyers will see better deals on plans that cost less than the Benchmark. They’ll pay a bit more for plans (including Gold) that cost more than the Benchmark. Unsubsidized buyers will get kicked again with another premium increase.

2018 Silver Gap maps are underneath the fold

Reader Interactions

5Comments

  1. 1.

    Yarrow

    I’m trying to figure out what the colors on your map mean, David. Am I missing some sort of legend or explanation somewhere?

  4. 4.

    David Anderson

    @Yarrow: Yeah, I really, really, really want to do a study looking at enrollment and prices in Tennessee, Oklahoma, Illinois, Wisconsin and Pennsylvania where there are huge differences at the county line.

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