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Access and we’ve been making sure that their information has been getting out because you can contact them and find someone in your community , who can help you navigate these programs. We’ve also been referring people to the ACA consumer advocacy group , this is a group that came out of the Land of Lincoln dissolution , that’s when a health plan in the state of Illinois went under and consumers banded together to help each other navigate so there , 2 really great sources that it had a boots on the ground that are available to help people .
Right. And I . So I think there’s 2 parts of this right there’s Illinois and changes that have happened in Illinois with insurers and then there’s the federal piece of this Kristen . I think most people can be forgiven . Frankly for not knowing what’s going on , because there’s just been so many changes in attempts were successful , and not in terms of health care and ECA Kristen I’m thinking about last Monday . We started the program about talking about how President Trump had decided to stopping subsidies that help lower income Americans get health coverage on Wednesday senators Lamar Alexander and Patty Murray said they had agreed on a plan to fund those subsidies for 2 years at least in principle , can we just start with the subsidy is , is there any , do we have any clarity on whether that’s going to get fund it or not .
Yeah , well I thought I would back up to explain this so that they could write it’s , it’s very complex ordinary could be in for the post. No one’s for a close I spent a lot of time trying to understand this myself to break it down . So basically the way that people who buy Health Insurance on the exchanges . They take a plant-based diet and I mean how global gold-silver bronze and I’m explaining this way connection . So I can walk you through what Illinois has done to get own and let the subsidies . So to make these points cheaper people can qualify for financially into arrears . So why is it get a tax credit which remembers the monthly premium costs . And 2 , if that’s they can qualify for a Car Sharing Subsidy which our own defenses are not going away . So that’s why we’re here , Europe out of hacking cough high deductibles and your croquet so people who qualify for a Car Sharing Subsidy only commuted to buy a silver plan and this is important to understand why Illinois did what it it at the same time , the tax credit is gonna lower your monthly premium . So , since the Federal Government health cover the the : premium costs through this tax credit as those premium costs were highest so the tax credits to Nash their increase so in in in in Athens . Whatever it is they had insurers because it’s not a basically said , well , we , we think that these tax credits . I’m sorry they’re fighting such fears are likely going to go away . The president’s been talking about this for quite a time , so let’s just make that interview into the rage that you’re proposing to sell on the exchange in Illinois 2018 . So basically what he is sure if you’re is out of 15% surcharge on average to the mildly premiums of the silver plans so this basically bounces that extra out to that our government . Think you know 50 ball , who are buying .
So Christine eat but can also be for a second that bounces the taps of the Federal Government are to people who are paying for the silver plan.
Right , so if I am well they essentially what they call loading the surcharge to the silver plants and because the , at the same time , people who qualify for a car sharing subsidiarity poorest of the poor were buying on the exchange , they will have also on that subsidies or have the tax credit to cover the monthly premiums so why they increase seeing the the her to the premiums rise over plan because of those premiums are going up. The Federal Government . You know , we’ll cover that increase . So essentially this that yes this the 50 average 15% surcharge to the Federal Government . So people who are buying silver yet get us and can qualify for a subsidy they will not feel that they will not be paying there .
I see , okay.
And neither will people who buy a gold plan or a Bronze plan and so that’s the state of Illinois in more than 2 dozen dozen other states have died to essentially shield people from that extra cost at the same time though you know when the insurers , we’re looking at what its cost winner later look like in 2018. So this is a big into those costs but they they are increasing costs quite a bit on average for consumers is gonna be about a 43% increase depending on what had a plane , but I .
Okay. We’re talking about health care about the exchanges about get covered Illinois enrollment starts next Wednesday . For the year hoping it’s explain that we were just listening to Christian sure she’s a Healthcare Reporter with Crane Chicago business also on the line with us as Barbara auto she CEO smart policy works . We had a question on Twitter . Our . Barbara , Christian . I’m not sure who is best able to cancel that into this either one of you jump in and I was asking what the impact of the healthcare.GOV website maintenance will be on folks , Barbara , you had mentioned a couple other places where people could go for help , can you answer that .
Well I just make sure I understand the question what will the impact be of basically the administration’s the Trump Administration sort of cutting back and supporting the website and friend investing in community yeah well in Illinois. We have the opportunity to go to I LCH dad or back/help you can go online , you can find people in your community . Some of those individuals . Some of this work is being funded still by-the-top administration we were greatly reduced and are funding this year which means that it’s gonna be really hard boots on the ground . Downstairs , but we’ve had a lot of community based foundations . A lot of community-based organizations like and institutions like public libraries . We’ve had a lot of Health Insurance brokers step up to the plate and and offer to help people , a lot of healthcare providers wanting to make sure that people are getting their help , so you can go online to find out more information . There’s also a Facebook page Claude the ECA consumer advocacy and again these are people , the people trying to connect people with the best most accurate information on how to get help to navigate these programs wonderful thing I’ll say about picking a health plan in , yes , there are different . You hear a lot about gold-silver bronze I wouldn’t tell consumers to to take a look at those gold plans . Oftentimes , people think those plans are gonna be on affordable but this year , you may want to look at the difference in rates between silver and gold in the GOP plan may be a better option for you , given that the the rates were really baked into the silver plan and you may get good coverage and a similar price if not better price and some of the over plans .
And then , why wouldn’t you just pick brands as the cheapest plan is that because the deductibles are the highest.
I think deductibles are the highest. I mean , here you may have a low in this thing about purchasing insurance they make a lot of consumers are still learning low premium usually means you’re paying more either in your deductible which you have to do a deductible . Just as a reminder to everybody . You have to pay out of pocket to a certain point before the health plan kicks in and starts helping you pay for your coverage . So in the bronze plans you may have a lower premium , but you also are gonna have a higher deductible and you also need to look very closely and some of those bronze plans to make sure that your Physician is is a part of the Bronze plan or to make sure that the hospital that your Physician has the ability to practice in is is in that health plan . A lot of people just look at premium costs and don’t look at the network and don’t look at the health providers are available .
Rahul Christian when we think about in terms of stability and affordability and quality of health coverage. How do you think Illinois Online Marketplaces looking compared to other states this year , you’ve talked about that increase . It would certainly that we’ve seen that happening , I imagine across the country .
Yeah. People are seeing double-digit increases across the board . What a lot of that is due to insurers , you know . No , I know women what the President was going to do in terms of taking away the car sharing subsidies could essentially be insurers . You know they were the deductibles and a color and to do that and the Federal Government essentially reverses that so because of Iraq certainty ensuring big into the rates for enrollment that certain other Hawaiian it’s these higher fees , higher costs . I also wanted to add your previous question , just in terms of what shoppers should feel looking for for enrollment every Sunday during enrollment season which is from November rewind to December 15 , just a reminder that healthcare outs which is a federal portal , although that Illinois and by about 3 dozen other states years where people buy insurance that’s gonna be shut down for 12 hours , almost nearly every Sunday .
Well , I think that was well.