Preview the Georgia Insurance Exchange

To study the likely costs of plans on the Georgia insurance exchange, the AJC selected one proposed plan from the gold, silver and bronze tiers offered by Blue Cross and Blue Shield of Georgia. (Seven companies applied to sell insurance on the Georgia insurance exchange, but these examples are limited to selected plans

on Blue Cross’ filing.) Note that insurers may offer more than one plan within each “metal tier” with co-payments and deductibles that will vary. Here is the cost-sharing information related to the selected plans:

• Gold plan: $750 deductible, 0 percent coinsurance
• Silver plan: $2,000 deductible, 20 percent coinsurance
• Bronze plan: $6,300 deductible, 0 percent coinsurance

The prices, which are premiums per month, assume that the consumer lives in metro Atlanta and is a nonsmoker.

CONSUMER PROFILE: Husband is 32, wife is 30, 1-year-old daughter (2013 rates)

• Gold: $1,024    (N/A)
• Silver: $771    ($423)
• Bronze:$580    ($345 )

Subsidy examples

Income: $20,000 (just above the poverty line). The family would be expected to pay $400 toward for a silver plan.A subsidy projected at about $8,500 would cover the rest.

Income: $60,000 (about 300 percent of poverty line). Family would be expected to pay $5,700 a year toward a silver plan and could get a subsidy of about $3,200 to cover the rest of the cost.

CONSUMER PROFILE: Husband is 47, wife is 42, kids are 25, 20 and 16  (2013 rates)

• Gold: $1,790    (N/A)
• Silver: $1,348    ($824)
• Bronze: $1,014    ($668)

Income: $28,000 (at poverty line). The family would be expected to pay $560 toward a premium and could get a subsidy of about $15,000 a year to cover the rest of the cost.

Income: $84,000 (300 percent of poverty). Family would be expected to pay about $8,000 a year for a silver plan and could get a subsidy of about $7,600 to cover the rest.

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