Healthcare.gov went live this morning.
There is an unusual situation in North Dakota right now. One of the insurers, Sanford Health, did not file the correct rates with the Center for Medicare and Medicaid Services (CMS). CMS is currently suppressing Sanford plans in North Dakota until a new file can be prepared and loaded.
We saw this last year in New Mexico when Christus made an error in their file loads. The pragmatic implication is that there will be two sets of subsidy calculations performed. The first one goes from now until the corrected file is loaded. These subsidies will be based on the Blue Cross and Blue Shield of North Dakota two Silver plans. The benchmark is higher but the Silver spread is smaller than the second set of subsidy calculations. These calculations will go into effect when the revised rates are loaded. At that point, Sanford will have the Silver benchmark at a lower level.
Pragmatically, if you live in North Dakota and know that you want a Blue Cross and Blue Shield plan or a Medica plan and you are getting subsidized, go look now. Your rates are going to be cheaper.
If you know that you just need minimal hit by a meteor coverage with a Bronze plan, go shop now. Your rates will be lower.
If you know that you need/want a Sanford plan, then you need to wait.
If you qualify for a CSR silver plan and you don’t care which insurer you choose, then wait as the cheapest CSR Silver plan will be cheaper in the near future.
This is an odd little edge case that can work in your favor.