Healthcare.gov offers new premium calculator

0 | Health Reform, Insurance

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A new premium calculator launched Thursday on healthcare.gov.

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— With consumers in 36 states struggling to access a federal exchange website to compare health plans, Thursday the Obama administration launched a new online tool that lets users see premium estimates by state, health plan and two age categories.

One of the biggest criticisms of healthcare.gov was that consumers had to create an account before they could even look to see what health plans are available in their area and what the premiums are. The website has blocked many users from establishing an account since its Oct. 1 launch, leaving most shoppers unable to learn what is being offered, let alone enroll.

The new online tool allows users to find out the average monthly premium by different health plan and by coverage tier — Bronze, Silver, Gold and Platinum — with higher tiers offering lower out-of-pocket expenses in exchange for more expensive premiums.

The prices do not take into account the subsidies people may be eligible for based on their income, or specific price points related to age. The site offers only two age breakdowns: younger than 50 or older than 50. Consumers also can’t get any information on a plan’s co-pays, deductibles and other benefit information.

But at least they can access the information without getting an error message – or being told to try again.

“We listened to your requests and now have high-level information about plans and rates in your community,” was the message on the exchange’s Facebook page Thursday.

The premium data have been available in spreadsheet format since Oct.1. That format offers more categories for browsing, but the new shopping tool makes it much easier to search by county, age group and type of plan.

A sampling of premium estimates in Kansas was released by the Kansas Health Institute on Oct. 1. (KHI News Service is an editorially independent initiative of the institute.) Kansans may also get a premium estimate for a Silver plan based on their personal information at InsureKS.org.

Most state exchanges, including Connecticut and Colorado, have offered a shopping feature on their websites so users could compare plans without having to answer dozens of questions first.

The federal site does include this caveat: “All health plans and stand-alone dental plans may not be available at this time, due to technical issues. We’ll update this information as soon as it’s available.”

Kaiser Health News (KHN) is a nonprofit news organization committed to in-depth coverage of health care policy and politics. The Washington, D.C.-based news service is a partner of KHI News Service.



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