Affordable Care Act


Important Message: Consumers' Choice Health Insurance Company Will Not Provide Health Insurance Plans in 2016

FAQs: Important Information for CCHP Members (12/10/15)
SCDOI Release:  Consumers' Choice Health Plan Members Need to Take Action by December 15th
SCDOI Release: Consumers' Choice Agrees to Wind Down Its Operations (10/22/15)
 

Information on 2016 Individual & Small Group Plans

Individual Market Open Enrollment for 2016 Plans: November 1, 2015 - January 31, 2016
**You must enroll by December 15th for Coverage to Start January 1st**

Sample Rate Scenarios for Individual Market Coverage Available in the Federal Health Insurance Marketplace
Premium comparisons are provided for self-only coverage purchased in Charleston, Greenville, Horry, Richland, or York County meeting the following criteria:
2016 Maximum, Minimum, and Overall Average Rate Changes: 
Charts of 2016 Plans:

Companies Discontinuing Health Insurance Coverage:

A number of health insurance companies that wrote 2015 Plans will not be offering 2016 Plans and will be exiting the health insurance market as of December 31, 2015.  See links below to information from specific companies.

Companies Not Offering 2016 Plans in the Individual Market
Consumers' Choice Health Plan (Consumers' Choice Health Insurance Company)
Assurant Health (Time Insurance Company)

Companies Not Offering 2016 Plans in the Small Group Market
Consumers' Choice Health Plan (Consumers' Choice Health Insurance Company)
Assurant Health (John Alden Life Insurance Company & Time Insurance Company)
Nippon Life Insurance Company





Resources for Individual and Small Group Plans with Effective Dates in 2015

Sample Rate Scenarios for Individual Market Coverage Available in the Federally-facilitated Exchange 
Premium comparisons are provided for self-only coverage purchased in Charleston, Greenville, Horry, Richland, or York County meeting the following criteria:
2015 Maximum, Minimum, and Overall Average Rate Changes: 
Chart of 2015 Plans Available in the Private Market (Outside of the State's Federally-facilitated Exchanges) 

Information for 2015 Qualified Health Plans:
  1. List of Companies with Overview of Availability, Contact Information, and Plan/ Network Options (click here)
  2. Chart of QHPs by Metal Level (click here)
  3. Cost Sharing Chart: Individual Market FFE (click here)
  4. Cost Sharing Chart: Small Group Market FF-SHOP (click here)
  5. County Availability Chart (click here)
  6. List of Exchange-Certified Stand-alone Dental Plans (click here)

Resources for Individual and Small Group Plans with Effective Dates in 2014



Other Useful Resources

SCDOI Consumer Alerts
HealthCare.gov
Website: healthcare.gov
Call Center: 1 (800) 318-2596
The is the official federal website for the federally-facilitated exchanges, managed by the U.S. Centers for Medicare and Medicaid Services.

Public Information on Rate Reviews
Website: ratereview.healthcare.gov
Under the ACA, every premium rate increase of 10% or more for non-grandfathered coverage in the individual and small group markets must be reviewed and made publicly available.  This federal website allows consumers to search for rate requests that meet or exceed the 10% threshold by state.

Kaiser Family Foundation
Website: kff.org/aca
This website includes helpful information for consumers and employers regarding the Affordable Care Act.  One example is a flowchart to help consumers understand the individual mandate (available online by clicking here).

Center for Consumer Information and Insurance Oversight (CCIIO)
Website: cms.gov/cciio
CCIIO is a part of the U.S. Department of Health and Human Services and oversees the implementation of the ACA's provisions relating to private health insurance.

NAIC Special Section: PPACA and State Insurance Regulation
Website: naic.org
The National Association of Insurance Commissioners (NAIC) is an organization of the chief insurance regulators from across the U.S. This website includes useful information for consumers, industry, and state insurance regulators.