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Covered California Q&A

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.


Is Obamacare Reducing Health Insurance Rates?

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Question: Obamacare requires insurers to submit all premium rate increases of 10% or more for state or federal review. Is this helping to reduce rates?

Answer: Yes. The average health insurance premium increase would have been 6.8% without ACA rate review, while the average rate change implemented was actually 5.4%. The ACA provision that requires insurers to submit all premium rate increases of 10% or more for state or federal review is working. About one in five requests by insurers to change premiums were denied, lowered or withdrawn during state review. During the eight-month period before the Sept. 1, 2011, implementation of the rate review provision, 33% of filings requested an increase of 10% or more. In the last four months, fewer than 18% of filings were for an increase of 10% or more.

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