At least three health insurers plan to offer insurance statewide in Georgia’s exchange for 2015. This year, only one health plan – Blue Cross...

At least three health insurers plan to offer insurance statewide in Georgia’s exchange for 2015.

This year, only one health plan – Blue Cross and Blue Shield of Georgia – went statewide in the exchange.

And the proposed Blue Cross rates for next year’s exchange will decrease by an average of 7 percent.

Healthcare Cost

Those were among the immediate highlights of data on proposed premiums, released by Georgia’s department of insurance, from the health plans seeking to participate in the state’s exchange next year.

A total of nine insurers are seeking to offer exchange plans in 2015. That’s up from five insurers for the current year.

The 2014 insurance exchange featured stark variability in rates between metro Atlanta, where multiple plan choices were offered, and southwest Georgia, where only a single insurer offered plans. The southwest Georgia region had some of the highest exchange premiums in the country this year.

“It looks to me that the market is becoming more competitive,’’ Bill Custer, a health insurance expert at Georgia State University, said Wednesday. “This is what you would expect to see in the second year of this.”

While there are hopeful signs about Georgia’s exchange rates, there was less positive news this week on some other aspects of the Affordable Care Act.

Reports from the Health and Human Services inspector general said that many of the 8 million Americans who have signed up under the new health care law will now have to clear up questions about their personal information, and that could affect their coverage.

A government watchdog group said Tuesday the Obama administration faces a huge task resolving these problems.

And the U.S. Supreme Court ruled Monday that two family-owned corporations, Hobby Lobby and Conestoga Wood Specialties, do not have to cover certain types of birth control on their employee health insurance plans as otherwise required under the “contraceptive mandate” provision of the ACA. (These two firms cite religious principles as central to their identities, and the court noted that the ruling does not apply to most companies.)

U.S. Jack Kingston (R-Ga.), who’s running for the U.S. Senate, said the ruling “is yet another reason why Obamacare should be repealed – it is unworkable. I am glad the court recognized private companies should not be forced to violate their religious convictions.”

Yet others see the increased insurance competition in Georgia as a sign that the law is succeeding, despite its problems.

Cindy Zeldin

Cindy Zeldin

“I’m not seeing rate shock or huge increases,’’ said Cindy Zeldin of Georgians for a Healthy Future, an organization that supports the ACA. Health insurers, she said, “see a market and a demand for health care. Consumers will have more choices.”

The insurance department released data for eight of the nine applicants this week. Glenn Allen, spokesman for Insurance Commissioner Ralph Hudgens, said UnitedHealthcare had an incomplete application.

Three other new insurers – Coventry, Time Insurance and Cigna – are seeking to join the five holdovers from this year’s exchange that are also submitting rates for review: Alliant Health Plans, Blue Cross, Humana, Kaiser Permanente, and Peach State Health Plans.

Graham Thompson, executive director of the Georgia Association of Health Plans, said, “More carriers equals more choice for Georgia consumers.”

The holdover groups’ rates as a whole appear to contain modest increases. Humana proposes an increase of 9 percent, but that company’s premiums this year were the lowest in the state exchange, Georgia State’s Custer said.

Coventry will go statewide with what appear to be “very competitive rates,’’ he said. Blue Cross and Time Insurance Co. are also proposing rates across all Georgia regions.

And southwest Georgia, which trailed only Colorado ski resort towns with the highest 2014 premiums, will appear to get at least one option that’s less expensive.

Blue Cross, the sole insurer there, says in its actuarial memo for 2015 that its proposed rate cuts will vary by plan, from 14.6 percent to 3.1 percent.

Aside from the better-known individual exchange, where people buy coverage for themselves, there is the small-business exchange, known as SHOP, which is currently for employers with small workforces.

At least three insurers – Blue Cross, Kaiser and Alliant — have offered to sell health plans in the small business exchange for 2015, the insurance department data show.

Zeldin of Georgians for a Healthy Future said she is interested in finding out whether the insurers’ networks of medical providers are adequate for consumers.

She also said she hoped that Georgia’s rate approval process would allow input from consumers.

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Andy Miller

Andy Miller is editor and CEO of Georgia Health News

  • John

    July 3, 2014 #1 Author

    Thank you for your well written article on the fluid situation in the Georgia Health Insurance Marketplace.

    Although BC/BS’s 2014 MCR (Medical Cost Reduction that reduces deductibles, co-insurance, MOOP, and co-pays) was more consumer friendly in 2014 than most of their competitors, BC/BS’s 2014 actual rates were already 20-25% more expensive than literally all of their 2014 competitors in the Non -Metro (rural) areas and 15%+/- more expensive in the Metro areas….

    Any excitement over BC/BS’s 2015 proposed 7% “decrease” seems undeserved..To BC/BS’s credit, their 2014 rate structure showed the power of a strong brand, even though the company continues to flog southwest Georgia with a monopolistic whip..(which is why southwest Georgia has the 2nd highest health insurance rates in the continental United States

    In the rest of Georgia, Humana’s 2014 rates were consistently 20-25% less than those of BC/BS, so Humana’s 2015 proposed 9% increase “almost” seems fair and reasonable..

    Even if Humana’s 9% increase for 2015 is accepted (pigs will fly before that happens in a 2014 election year), Humana will continue to be dramatically more affordable than BC/BS throughout the rest of Georgia, and yet BC/BS’s proposed 7% “decrease” for 2015 will be met with resounding applause….And so it goes..

    An unsubstantiated rumor has it that there was a “nomanclature” (branding) glitch in UHC’s application whereby UHC had no choice but to submit their name as “United LIFE Insurance Company” (rather than UnitedHealthOne .AKA Golden Rule)……

    Hopefully, Georgia consumers will be made aware as to exactly what it was about UHC’s application that was deemed “incomplete”.. Was the application so deficient that it was fair and reasonable to deny such a large insurer (with a decent network) their highly anticipated 2015 entry into the Georgia Health Insurance Marketplace ?

    The collective 2015 entry of Coventry,Time and Cigna, into the Georgia Health Insurance Marketplace will be less meaningful than what ” could have been ” had UHC not been denied…unless one of those 3 new 2015 entries has the horsepower to show southwest Georgia the true meaning of the word “choice”




    • Mike Carmean

      July 7, 2014 #2 Author


      I enjoyed your response. If anyone needs help to enroll in any of the plans offered in Georgia they can go to our private exchange.


    • D. Martin

      November 14, 2014 #3 Author

      My wife just received a notice from Humana that her health insurance, obtained last year through the federal marketplace here in Georgia, is going up 50% in 2015! That’s right, a 50% rise in monthly premiums. And she has had no significant healthcare claims or issues this past year.

      So much for your theory of reasonable premium increases.


      • Patric T Murphy

        January 4, 2015 #4 Author

        if her insurance isn’t $880 a month like mine, tell her to stop bitching…


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