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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.


Large Group Rates Higher?

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Question: I appreciate the Covered California choices for those in the “individual market” but I have concerns about the effect of the ACA on “large group” employer-based insurance premium rates. At work we have two choices, Kaiser or Anthem. We are hearing that premiums for next November could go up as high as 25%. Is this true and if so why? Wouldn’t more people in the insurance pools drive costs down? This rate increase rumor sounds counter-intuitive to me.

Answer: The rumors of huge rate increases in the individual market proved to be wrong. Perhaps your group rates won’t go up at all. Fewer uninsured will have a downward pressure in rates but it will take some time. The upward pressure on rates from the ACA in the large group market comes from requirements for more comprehensive coverage.

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