Bluecross Blueshield North Carolina 2015 ACA rates.
According to various sources around the web, Bluecross Blue Shield North Carolina on Wednesday released some limited rate information or 2015 marketplace health insurance plans.
The headline number for this story is that rates will rise “more than 13 percent on average”. Of course, that does not tell the entire story. As we recently saw in South Carolina , rate increases for ACA plans offered on the exchange will fluctuate quite a bit between different regions. We do not expect every Bluecross Blueshield customer to receive a 13% increase. Rates will vary across regions, as North Carolina has 16 distinct rating regions, each with differing rate increases. In addition, different types of plans will receive different increases:
Bluecross yesterday provided only one scenario of how rates would increase next year. For a 45-year old nonsmoker, the monthly premium rate would increase 15.6 percent – from $364.39 to $421.32 – on one of the most popular individual plans Blue Cross sold in Raleigh through the federal marketplace – a Silver plan.
Keep in mind, however, rate increases for Bronze and Gold plans will change by different amounts. We have also been told certain plans in specific areas may actually decrease a bit – stay tuned for more!
Of course, most North Carolina residents will also be able to choose a marketplace plan from Unitedhealthcare for 2015, as well as Coventry Healthcare in certain areas!
Our takeaway? If you need the most robust network options for North Carolina in 2015, Bluecross Blueshield of North Carolina may be your best bet. However, if you are willing to change doctors to accept an HMO or Tiered network structure, you may be able to save some money.
Beginning November 15, North Carolina residents can view 2015 rates and apply online from our frontpage (click the Blue button!).