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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.


Different Quotes from Preview vs Shop & Compare?

By on | 4 Comments

Question: I'm getting significantly different results when using the Shop & Compare tool versus logging in and using the Preview Health Plans tool. I put in identical data (zip, age, income), and get different premium assistance values from each tool. For example, the Shop & Compare tool gives me a final monthly amount of $80 for a plan I'm interested in (after premium assistance), whereas the Preview Health Plans tool gives me a total of only $17.54. Which number is likely to be correct?

Answer: I don't have a definite answer, but the net premium result you get in the plan selection step of your online application would appear to be the correct number as CC provides a confirmation of coverage and premium at the end of the process. Ideally, they should be identical, but that may not be practical at this point.

4 Comments

Michael, that may very well be correct, however that doesn’t match what I saw. I didn’t make it clear in my original post, however both Shop and Compare and Preview Plans had the same plan and the same rate. Only the premium assistance differed between the two, with the Shop and Compare tool (the correct one, apparently) having the lower premium assistance amount — by $62 per month in this specific example. That’s an error of > $700 per year; pretty unacceptable, IMO.

The Shop and Compare is loaded with 2015 plans, rates, and subsidy.

The Preview Plans tool is loaded with 2014 plans, rates and subsidy.

Ken is correct. The Shop & Compare tool is based on the same data as the enrollment portal.

Thanks, Phil. I found out that it was the Shop & Compare tool that was giving the correct result — at least, it matched the premium quoted at the end of the signup process.

I don’t understand why they can’t get the two tools to give similar results, given the same input.

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