Come for the politics, stay for the snark.

We’re not going back!

Polls are now a reliable indicator of what corporate Republicans want us to think.

Everybody saw this coming.

I’m starting to think Jesus may have made a mistake saving people with no questions asked.

I didn’t have alien invasion on my 2023 BINGO card.

When you’re in more danger from the IDF than from Russian shelling, that’s really bad.

Our job is not to persuade republicans but to defeat them.

Let the trolls come, and then ignore them. that’s the worst thing you can do to a troll.

Historically it was a little unusual for the president to be an incoherent babbling moron.

It’s easy to sit in safety and prescribe what other people should be doing.

Black Jesus loves a paper trail.

Optimism opens the door to great things.

It’s a doggy dog world.

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

Israel is using food as a weapon of war. Unforgivable.

Reality always lies in wait for … Democrats.

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

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

Dear Washington Post, you are the darkness now.

Whoever he was, that guy was nuts.

If you are in line to indict donald trump, stay in line.

Democrats have delivered the Square Deal, the New Deal, the Fair Deal, and now… the Big Joe Biden Deal.

Dead end MAGA boomers crying about Talyor Swift being a Dem is my kind of music. Turn it up.

Shut up, hissy kitty!

You are here: Home / Anderson On Health Insurance / Premium spreads on Healthcare.gov in 2021

Premium spreads on Healthcare.gov in 2021

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The Center for Medicare and Medicaid Services released the 2021 Open Enrollment Period (OEP) Public Use Files (PUFs) over the weekend.

For subsidized buyers on the individual market, they are most sensitive to premium spreads. The premium spread is the difference in premium of the plan that they select and the benchmark silver plan. The bigger the premium spread, the more affordable the plan is for this population.

In 2021, about 35% of the counties on Healthcare.gov have a Gold plan priced below benchmark.  For individuals earning over 200% of the Federal Poverty Level, and who live in these counties, they should take a hard look at Gold.  At least one Bronze plan will be priced below benchmark for every county.  In most of the country, there will be a Bronze plan priced at least $100 below benchmark for a single 40 year old non-smoker.

For individuals who have assets and have an expectation that they are in reasonably decent health with low expected utilization OR know that they are a complete medical train wreck and will max out any out of pocket limit in a month or less, Bronze can be appropriate where the additional savings in premium makes up for any increase in out of pocket spending.  Otherwise, be cautious.

I’ll have some more Healthcare.gov pricing posts over the week.

 

Below the fold is the HC.Gov pricing map

 

Reader Interactions

3Comments

  1. 1.

    Another Scott

    Thanks for this, and for all you do for us.

    (Your Tableau graph is chopped off, apparently because it’s not centered in the graphics frame or something. I can see the top half of the country in Chrome on Winders, but almost nothing on Android.)

    Cheers,
    Scott.

  2. 2.

    J R in WV

    There’s something seriously wrong with the graphic, no way to actually select anything to change the defaults. When I came to the post+comments it appeared in full very briefly, then collapsed to the same top 1/3 as on the front page again, after about a second.

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