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.