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Table 1 Changes to lowest-cost silver plan features: “Stay Only” and “Switch Only”

From: Three years in – changing plan features in the U.S. health insurance marketplace

  2014–2015 2015–2016 2014–2016
Stay Only N = 987 (39.3%) N = 641 (25.5%) N = 365 (14.5%)
Premiums
 Avg. Year-Over-Year Change (%) 7.7% 13.3% 18.4%
 Avg. Year-Over-Year Change ($) $41.00 $76.50 $105.77
 Counties with Premium Increase (%) 90.3% 92.2% 95.1%
 Counties with Premium Decrease (%) 9.7% 7.8% 4.9%
Medical Deductible
 Avg. Year-Over-Year Change ($) -$1.82 -$148.36 -$234.04
 Avg. Year-Over-Year Change (%) −0.1% −4.1% −5.9%
Issuer/Plan Type
 Counties with No Change (%) 99.9% 90.6%†† 60.5%
  2014-2015 2015–2016 2014–2016
Switch Only N = 175 (7.0%) N = 159 (6.3%) N = 352 (14.0%)
Premiums
 Avg. Year-Over-Year Change (%) 23.3% 21.5% 25.7%
 Avg. Year-Over-Year Change ($) $120.43 $110.88 $133.15
 Counties with Premium Increase (%) 93.1% 100.0% 98.0%
 Counties with Premium Decrease (%) 6.9% 0.0% 2.0%
Medical Deductible
 Avg. Year-Over-Year Change ($) $1271.71 $133.33 $525.43
 Avg. Year-Over-Year Change (%) 52.5% 4.4% 20.3%
Issuer/Plan Type
 Counties with No Change (%) 0.0% 0.0% 0.0%
  1. For those who stay in the 2014 plan, the % of counties that did not retain the same issuer and plan type is due to one lowest-cost silver plan type changing from an HMO to a PPO in one county in Georgia
  2. ††For those who stay in the 2015 plan, the % of counties that did not retain the same issuer and plan type is due to Aetna Health Inc. acquiring Coventry Health Care Inc. in counties in Iowa (40) and North Carolina (13). Members did not experience significant changes in care, and all provider locations remained open after the change. The issuer and plan type serve as a proxy for provider network. Further, there were 10 counties in Pennsylvania where the issuer was different in the following year, based on the information from the crosswalk file used to link 2015 and 2016 plans