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President-elect joins Musk for SpaceX launch and taps Dr Oz for a key role; NYC congestion pricing revived with some alterations; NV progressive groups warn of fallout from 2nd Trump presidency; IN librarians fear book bans in 2025.

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Mail-in ballots with envelope errors will not be included in the Pennsylvania Senate race recount, Trump taps celebrity doctor Mehmet Oz to oversee Medicare and Medicaid, and Senate Democrats want a vote on ending arms shipments to Israel.

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Lower voter turnout in cities, not the rural electorate, tipped the presidential election, Minnesota voters OK'd more lottery money to support conservation and clean water, and a survey shows strong broadband lets rural businesses boom.

What You Pay for Health Insurance: Groups Analyze CO Rates

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Monday, July 28, 2014   

DENVER - The glass is either half empty or half full with Colorado health insurance rates, depending on the type of coverage.

The Colorado Consumer Health Initiative just completed an analysis of the 2015 insurance rates filed with the state's Division of Insurance. While some Coloradans are paying less in part because of the increased competition created by the health-insurance marketplace, other insurers are asking to charge more, said Adam Fox, CCHI's director of strategic engagenent.

"We are seeing competition drive some of the insurance costs down for some insurers," Fox said, "but there's still insurers that are increasing some of their plan-specific rates."

This is the eighth year CCHI has analyzed rate filings. Their review pinpoints questionable rate hikes, and also challenges the insurance industry's predictions that people they cover won't be as healthy in 2015, since those with the highest health needs are likely to have gotten coverage through the Affordable Care Act.

A common driver in health-insurance premiums is the cost of uncompensated care for uninsured patients. In some cases, Fox said, the 2015 rates fail to consider the 300,000 additional Coloradans who now have health insurance.

"They seem to not really be accounting for how the reduction in uncompensated care in hospitals is going to potentially lower their cost burdens," Fox said.

According to the Colorado Hospital Association, the amount of uncompensated care has been reduced by more than 30 percent in the past year. Some insurance companies also are predicting prescription drug cost increases of as much as 21 percent, when CCHI says costs increased slightly less than 4 percent last year.

More information about the analysis is online at cohealthinitiative.org and cha.com.


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