A healthcare worker talks with a patient at a COVID-19 testing site near Citizens Bank Park, home of the Philadelphia Phillies baseball team, Tuesday, March 24, 2020, in Philadelphia. For most people, the new coronavirus causes only mild or moderate symptoms. For some it can cause more severe illness.
Sarah Boden covers health, science and technology for 90.5 WESA. Before coming to Pittsburgh in November 2017, she was a reporter for Iowa Public Radio where she covered a range of issues, including the 2016 Iowa Caucuses.
Sarah’s reporting has appeared on NPR’s Morning Edition, All Things Considered, Weekend Edition Saturday and WBUR's Here and Now. She has won multiple awards, including a regional Edward R. Murrow for her story on a legal challenge to Iowa's felon voting ban.
(Pittsburgh) – Many Pennsylvanians buying health insurance on Pennie, the state’s marketplace exchange, will have more plans to choose from and may pay lower premiums.
In some counties, consumers have more options for 2022. Also, the plans under the Affordable Care Act, sometimes known as Obamacare, are more affordable, in large part due to the American Rescue Plan, which caps premiums at 8.5% of an individual’s income.
“Some are looking at saving thousands of dollars, or hundreds of dollars, depending on how many people they have enrolled on their plan … we’ve seen consumers who have just been elated,” said Tia Whitaker, the statewide director of outreach and enrollment at the Pennsylvania Association of Community Health Centers.
Regarding the increase in consumer choice, there will be 13 different carriers operating in various parts of Pennsylvania in 2022. For the first time, all counties will have at least two vendors, and three counties will have as many as six. Each carrier offers multiple plans.
The increased participation by insurers might be due to the Biden Administrator’s support of the insurance exchange, remarked University of Pittsburgh health economist Coleman Drake.
In fact, the options may be so abundant that selecting coverage for 2022 might be a bit overwhelming and cause what economists refer to as “choice overload.”
“There comes a certain point where … the amount of choices increases so much that it becomes cognitively difficult,” said Drake. “[I’m] not insulting people’s intelligence. It’s just hard to pick between 40 options, and people have time constraints.”
For this reason, some Pennsylvanians might simply choose to auto-enroll in their current plan. This can result in people missing out on significant savings due to the increases in consumer choice and the new premium cap.
Coleman gave the example of someone who currently has what’s known as a bronze plan, which is the exchange’s least expensive option that provides the lowest level of coverage. But the subsidies provided by the American Rescue Plan mean that the same person could go one or even two levels up in coverage and pay roughly the same amount.
To navigate the many options, people can get free help by contacting what are knowns as “assisters,” who are certified through Pennie. Whitaker oversees some of 130 assisters at the Pennsylvania Association of Community Health Centers.
“We really interview folks and find out what’s most important to them,” she said. “Is their provide er in the network that they’re looking at, and [are they] concerned about price? Are they concerned about deductibles?”