Many of the health care co-op's are folding in large part due to language in the CR-omnibus bill from last year forcing the HHS to be budget neutral. The ones that have folded recently have cited the risk corridor reimbursement monies (promised as I understand it as part of the loan that set them up in the first place) as why they've had to pack it in. BCBS took a hit with that too (even though they're not a co-op, they have to pay into the fund, I think?) - but they have very little motivation to see the co-op's work.

In June, 2015, I spoke to someone at the State of TN Dept. of Commerce and Insurance about the possible BCBS TN rate health insurance increases. One thing she said was, "The increase for a single policy can be from 16% to 65%, with an average over all policies at 39%." Looking on the bright side, at least our rate increase wasn't the 65%.

Previously we had our BCBS TN health insurance through Farm Bureau. Looking at their website, it doesn't look like they carry BCBS TN any more. It looks like they now sell United Healthcare.

Knox Mercury does a pretty good job of explaining why the rates are going up on the exchanges. Before this I had never heard of a risk corridor. I knew there was reimbursement built into the original ACA, no idea it had been gutted.

(link...)

I'm not sure how this affects non-exchange policies unless they are the same pool just sold in different places.

Wading through the maze of insurance options and trying to decide on a favorable policy for myself and my family, I am increasing finding myself in favor of universal single-payer health care system in this country.

No more games and everyone needs to pay based on income, this sounds more appealing and fair than any other option I can conceive!

We just got our BCBS PPO increases and they're just under 3%. There are also some very slight increases in the deductibles, which they attributed to the ACA. (I don't think so.)

Opened email from BCBS and my plan increased 9.1% and deductibles had a slight increase. I also have TriCare from the military, but so few doctors will except it I have to keep my BCBS and use TriCare as a copay. Last year TriCare added a $300 deductible before paying copay along with disapproving a few copays from pharmacy.

1. When the PPACA started enrolling folks into the 'Affordable' care policies on the exchange, BCBS quoted VERY LOW rates for policies. They had one of the highest numbers of newly covered, low income folks who qualified. Then this corporation for greed kept hinting that 'it was losing too much money' and was going to HAVE TO raise rates...then last year their whining became louder...36% increase across the board for this coming year, INCLUDING those who bought one of their policies on the ACA exchange. Now those families covered have to find a new company that will cover them at a price THEY CAN NOW AFFORD. It is simply a matter of the "haves" feeding their greed, and the 'have nots' now searching for insurance they will afford.

2. And re these 'co-ops', I heard a presentation in 2013 by the CEO of CHA and he claimed that he 'made a mistake' and quoted his policies "TOO HIGH" and he was not gaining 'customers'. It makes total sense why this 'business' and other 'insurance co-ops' have closed.

Rate increases steady at about 7% per year for three years now.

Under Enrolment issues happened as well. (link...)

Lots of people are going to have to switch plans that were using a Co-Op like Community Health Alliance.