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State Insurance Division releases Obamacare rate comparison

By Kristen Consillio

POSTED:
LAST UPDATED: 10:04 a.m. HST, Dec 11, 2013



The state Insurance Division released Tuesday a health insurance rate comparison sheet to make it easier for consumers to compare plans under President Barack Obama's Affordable Care Act.

The Obamacare policies range from $72.40 for a Bronze-level option for consumers under 21 years old to $871.26 for a Platinum plan for a 64 year old. The premiums do not include deductibles, co-payments and other cost sharing, or tax credits for eligible consumers.

The information is meant to be used as a tool for consumers to compare rates offered by Hawaii Medical Service Association and Kaiser Permanente Hawaii on and off the Hawaii Health Connector, the state's online insurance marketplace created by the Obamacare law.

The Connector, which launched two weeks after its scheduled start date on Oct. 1, was the last in the nation to release health plan rates. Consumers and small businesses can only apply for tax credits to lower the cost of medical coverage if they purchase policies through the Connector. 

Insurance Commissioner Gordon Ito recently asked insurers to extend current health plans into 2014, following a decision by President Obama to allow individuals to keep their existing 2013 insurance policies next year even if the plans do not meet ACA requirements. 

HMSA and Kaiser have agreed to continue 2013 individual plans. All five local insurance carriers (HMSA, Kaiser, Hawaii Medical Assurance Association, University Health Alliance and Family Health Hawaii) also will offer ACA plans for small businesses.

For more information, go to http://cca.hawaii.gov/ins/news-release-state-releases-2014-aca-premiums-comparison-sheet/.






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State issues Obamacare comparison rate sheet




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Sunny wrote:
I went to the site and don't see the rate comparisons. Where are they?
on December 10,2013 | 11:28AM
Radley wrote:
The link to the Plan Rate Comparisons is in the Related Stories box below the story. You can straight to it here (it's an .xls file).
on December 10,2013 | 11:58AM
jusjoking wrote:
Well hidden. I can.t find em either. e link for related story which appears to be the info is not accessible with an HP computer,
on December 10,2013 | 12:00PM
ellinaskyrt wrote:
I'm using an HP and can see the link just fine. Perhaps the ocular model you have is inefficient?
on December 10,2013 | 01:49PM
NanakuliBoss wrote:
In settings, you know the icon with machine gears, anyway go to settings,click mode, then click "GOP friendly" it will route you back to Fox and Friends. I remember the old days when buffering meant lifiting weights. Eh, Manny we still on for strip poker?
on December 10,2013 | 03:04PM
Ronin006 wrote:
The Obamacare policies range from $72.40 for a Bronze-level option for consumers under 21 years old to $871.26 for a Platinum plan for a 64 year old. It is meaningless information. How about telling us what the under 21 and 64 year old currently pay and what their co-pays will be under Obamacare. We then may be able to determine if it is good or bad. Right now, $871.26 for a 64 year old sounds very bad.
on December 10,2013 | 11:54AM
GooglyMoogly wrote:
Isn't that kinda on you, to know what you currently pay (or what the total charge is for your coverage) and compare to the ACA rates?
on December 10,2013 | 12:11PM
Fred01 wrote:
No. Obama needs to come here and do it for me.
on December 10,2013 | 12:37PM
NITRO08 wrote:
Lazy wake up.
on December 10,2013 | 01:46PM
ellinaskyrt wrote:
Oh, it's too hard for people to look up what they pay for currently and compare it to the table provided. Don't you know? No one wants government in their health care. They just want government to go into their insurance payment records to look up their current premiums, pull up the table, and highlight which cell in the spreadsheet applies specifically to them. And don't touch their Medicare!
on December 10,2013 | 01:54PM
Anonymous wrote:
Yeah. It's not user friendly to compare at all.
on December 10,2013 | 12:38PM
Anonymous wrote:
Good luck trying to read it. Not done very well.
on December 10,2013 | 12:36PM
DocG wrote:
To give a real life example ... I'm 64. My premium under AHC Act, for a Silver Plan is $647 dollars and change with a pretty steep deductible and co - pay. I just purchased ( last Thurs ) a Medicare "Plan F " policy from Colonial Penn for $233 a month with no out of pocket costs, no deductible and no co - pay . In addition I can see any doctor, in any hospital in any State in the U.S. My personal experience is .... in my age group. The AHC Act is anything but. If someone can afford $871 dollars a month they would already have health care . That's what you get when a bunch of multi - megabucks people ( Congress ) get together to decide what's affordable. Keep in mind these people spend $800 plus dollars take friends out for dinner, drinks and tips in ONE night !
on December 10,2013 | 01:19PM
jomama wrote:
Not apples to apples to compare a Medicare add-on plan to a whole health plan. Medicare pays the first X of your plan "F"
on December 10,2013 | 01:45PM
ellinaskyrt wrote:

You're 64 and qualify for Medicaid? Does that mean you have a qualifying disability or disease?

Also, "Plan F" is a supplement to Medicare, not an entire plan. In other words, you're comparing an orange (ACA) to a section of the orange (Plan F).


on December 10,2013 | 01:46PM
soundofreason wrote:
Maybe your plan will cover eye exams. He said MediCARE.
on December 10,2013 | 06:24PM
ellinaskyrt wrote:
Typing failure on my part. Comprehension failure on DocG's. And, for clarity's sake, there is no age requirement for Medicaid like there is on Medicare. Medicaid is an insurance program for the poor who meet certain eligibility requirements. Medicaid was also expanded by the ACA, but the Supreme Court made state participation voluntary.
on December 11,2013 | 11:32AM
mitt_grund wrote:
You're doing apples and oranges. If you qualify for Medicare, why the heck are you looking at ACA? You should be looking as you did to a supplemental Medicare plan.

Don't try to mix up people who ACA is intended for. You've got yours as long as the Tea Party doesn't get its way. If they had their way, there wouldn't by any Medicare or Social Security.


on December 10,2013 | 02:20PM
inlanikai wrote:
The link to the file is actually an xlsx file and the link in Related Stories goes to an Outlook Web portal requiring a login. I guess no one ever heard of a PDF.
on December 10,2013 | 01:27PM
ellinaskyrt wrote:
Link worked just fine for me. Must be a setting in your computer.
on December 10,2013 | 02:02PM
islandsun wrote:
About time
on December 10,2013 | 01:51PM
h20dragon wrote:
Be careful in using this information. If you sign up directly with HMSA or Kaiser you might get a better deal. For me the difference is, depending on the coverage $100 - $300 per month cheaper direct.
on December 10,2013 | 02:11PM
brusselsprouts wrote:
uhm when I click on the link iget: https://webmail.staradvertiser.com/owa/redir.aspx?C=d56b9d70fdeb4470b5a79f79d39ecec5&URL=http%3a%2f%2fcca.hawaii.gov%2fins%2fnews-release-state-releases-2014-aca-premiums-comparison-sheet%2f Did someone decide to copy a link from their Microsoft Exchange OWA login? In case the post does not post the link I copied it basically takes me to SA's OWA login?!?! Sounds like Obamacare is contagious.
on December 10,2013 | 08:45PM
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