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Table 1 Changes to lowest-cost silver plan features: “Stay Only” and “Switch Only”

From: Three years in – changing plan features in the U.S. health insurance marketplace

 

2014–2015

2015–2016

2014–2016

Stay Only

N = 987 (39.3%)

N = 641 (25.5%)

N = 365 (14.5%)

Premiums

 Avg. Year-Over-Year Change (%)

7.7%

13.3%

18.4%

 Avg. Year-Over-Year Change ($)

$41.00

$76.50

$105.77

 Counties with Premium Increase (%)

90.3%

92.2%

95.1%

 Counties with Premium Decrease (%)

9.7%

7.8%

4.9%

Medical Deductible

 Avg. Year-Over-Year Change ($)

-$1.82

-$148.36

-$234.04

 Avg. Year-Over-Year Change (%)

−0.1%

−4.1%

−5.9%

Issuer/Plan Type

 Counties with No Change (%)

99.9%

90.6%††

60.5%

 

2014-2015

2015–2016

2014–2016

Switch Only

N = 175 (7.0%)

N = 159 (6.3%)

N = 352 (14.0%)

Premiums

 Avg. Year-Over-Year Change (%)

23.3%

21.5%

25.7%

 Avg. Year-Over-Year Change ($)

$120.43

$110.88

$133.15

 Counties with Premium Increase (%)

93.1%

100.0%

98.0%

 Counties with Premium Decrease (%)

6.9%

0.0%

2.0%

Medical Deductible

 Avg. Year-Over-Year Change ($)

$1271.71

$133.33

$525.43

 Avg. Year-Over-Year Change (%)

52.5%

4.4%

20.3%

Issuer/Plan Type

 Counties with No Change (%)

0.0%

0.0%

0.0%

  1. For those who stay in the 2014 plan, the % of counties that did not retain the same issuer and plan type is due to one lowest-cost silver plan type changing from an HMO to a PPO in one county in Georgia
  2. ††For those who stay in the 2015 plan, the % of counties that did not retain the same issuer and plan type is due to Aetna Health Inc. acquiring Coventry Health Care Inc. in counties in Iowa (40) and North Carolina (13). Members did not experience significant changes in care, and all provider locations remained open after the change. The issuer and plan type serve as a proxy for provider network. Further, there were 10 counties in Pennsylvania where the issuer was different in the following year, based on the information from the crosswalk file used to link 2015 and 2016 plans