Answers to frequently asked questions about your premium.
Why is my premium going up?
- There are a number of factors that affect the health insurance market: laws, increased competition, increased health costs, and more.
- On October 16, 2017, Pennsylvania announced rate increases for 2018.
- These changes affect all plans—especially Silver plans on HealthCare.gov.
Are cheaper plans available to me? What options do I have to reduce my costs?
- We have knowledgeable Customer Service representatives who can walk you through your options. Call the number on the back of your 2017 member ID card.
- You can also visit one of our Capital Blue health and wellness centers if you prefer to compare plans and enroll with us face-to-face.
- If you get a subsidy on your 2018 premium, your monthly bill may not be much higher that your 2017 monthly bill.
- If you are not eligible for a subsidy in 2018, you can buy a plan directly from Capital BlueCross. The premiums on these plans will not increase as much.
Can I appeal the premium increase?
- Unfortunately, no. We are required by law to charge the state-approved rates.
Will plans purchased on HealthCare.gov change?
- There will be no changes to rates or benefits on your current plan. Many customers may will not see significant increases in 2018, either.
Will Capital BlueCross remove its plans from HealthCare.gov?
- Due to market instability, we will no longer offer individual or family plans in Lebanon or Montour County.
How much will rates increase?
- Rates will vary depending on personal factors, plan types, and more.
- The average rate of increase statewide is 30.6 percent. The majority of this increase is due to the loss of cost sharing reduction (CSR) payments from the federal government.