Prices on new insurance exchanges are lower than expected, report says

BMJ 2013; 347 doi: (Published 09 September 2013) Cite this as: BMJ 2013;347:f5510
  1. Michael McCarthy
  1. 1Seattle

The premiums for plans being offered on many of the new health insurance exchanges created by the US Affordable Care Act are proving to cost less than predicted, a new study has found.

Under the law, insurers wanting to offer plans on the exchanges must propose plans offering four levels of coverage, called bronze, silver, gold, and platinum plans. All the plans must offer a minimum set of essential benefits, and none can deny coverage on the basis of a pre-existing condition. Prices can vary only on the basis of enrollees’ age, geographic location, and family size and whether they smoke.

Opponents of the 2010 …

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