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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

How Much Choice Among QHPs

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Question: How much choice among QHPs in each tier should consumers be offered?

Answer: I believe that the best selling products on the Exchange will be Bronze and Silver plans. Therefore, the Exchange needs to cut the carriers some slack to design additional plans for those tiers. Carriers should be allowed to design 3-4 Bronze and 3-4 Silver plans to encourage innovative benefit designs and give individuals additional options for the plans that are likely to be most popular. For the Gold and Platinum plans, one plan design each for the individual exchange and 2 Gold plans and 1 Platinum plan for the small group exchange should be sufficient.

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