Question: You have posted some Covered California benefit plan outlines. Are these pretty much what qualified plans in the Exchange will look like?
Answer: The Covered California benefit plan designs are preliminary and meant for discussion only at this time. The deductible, co-payment and coinsurance mix, are subject to adjustment after the release of the federal actuarial value calculator. But these plans provide us with a perhaps “quarter-final” look at how Covered California is trying to balance the cost-sharing variables within the ACA framework of essential health benefits and actuarial value guidelines. Notice that HMO Plans are called Copay Plans and PPO plans are called Coinsurance Plans in the Exchange.