Happy Saturday Morning!

2021 Rates are up at @healthsherpas

@greg_fann @charles_gaba @LouiseNorris @SheronESidbury
And this is EXACTLY what I am afraid of. 60 year old, 94% CSR, 1 carrier county. Gold is $0 with a $8550 OOP. Silver is $0 with a $900 OOP. Consumer makes the wrong choice and its ugly. @standorn @TheDaduary https://www.healthsherpa.com/marketplace/health?_agent_id=jennifer-chumbley&is_agent=true&zip_code=75423&fip_code=48147&state=TX&applicants[][age]=60&applicants[][relationship]=primary&applicants[][gender]=female&applicants[][utilization]=medium&applicants[][expanded]=true&dependents_count=0&household_size=1&is_default_scenario=false&custom_usage[usage]=custom&custom_usage[doctor_visits]=0&custom_usage[er_visits]=0&custom_usage[hospital_visits]=0&custom_usage[labs]=0&custom_usage[prescriptions]=0&custom_usage[specialist_visits]=0&year=2021&apply_for_subsidy=true&subsidy=1154.81&sort=premium_asc&page=1&per_page=10&all_benefits=true&add_attributes=true&shopping_scenario=finding_plan&health_subsidy_used=0&dental_search=false&v2=true&dental_params[premium]=&dental_params[deductible]=&dental_params[page]=1&dental_params[per_page]=10&health_params[metal_levels][]=Silver&health_params[metal_levels][]=Gold&health_params[issuer_hios_ids][]=33602&health_params[sort]=premium_asc&health_params[premium]=286&health_params[deductible]=&health_params[page]=1&health_params[per_page]=10&show_dental=true&csr_type=share94&issuer_hios_ids[]=33602&household_income=15000&fpl_ratio=1.18&premium=286&metal_levels[]=Silver&metal_levels[]=Gold
KG Health Insurance | Fast, Easy Obamacare Enrollment

Find, compare and buy affordable, comprehensive health insurance. Access savings on premiums, deductibles and copays and enroll in less than 10 minutes.

https://www.healthsherpa.com/marketplace/health?_agent_id=jennifer-chumbley&is_agent=true&zip_code=75423&fip_code=48147&state=TX&applicants[][age]=60&applicants[][relationship]=primary&applicants[][gender]=female&applicants[][utilization]=medium&applicants[][expanded]=true&dependents_count=0&household_size=1&is_default_scenario=false&custom_usage[usage]=custom&custom_usage[doctor_visits]=0&custom_usage[er_visits]=0&custom_usage[hospital_visits]=0&custom_usage[labs]=0&custom_usage[prescriptions]=0&custom_usage[specialist_visits]=0&year=2021&apply_for_subsidy=true&subsidy=1154.81&sort=premium_asc&page=1&per_page=10&all_benefits=true&add_attributes=true&shopping_scenario=finding_plan&health_subsidy_used=0&dental_search=false&v2=true&dental_params[premium]=&dental_params[deductible]=&dental_params[page]=1&dental_params[per_page]=10&health_params[metal_levels][]=Silver&health_params[metal_levels][]=Gold&health_params[issuer_hios_ids][]=33602&health_params[sort]=premium_asc&health_params[premium]=286&health_params[deductible]=&health_params[page]=1&health_params[per_page]=10&show_dental=true&csr_type=share94&issuer_hios_ids[]=33602&household_income=15000&fpl_ratio=1.18&premium=286&metal_levels[]=Silver&metal_levels[]=Gold
60 year old, Harris County (Houston). $15K income. They get $0 Gold with a $8250 OOP. Or $26 Silver with a $2850 OOP. https://www.healthsherpa.com/marketplace/health?_agent_id=jennifer-chumbley&is_agent=true&zip_code=77001&fip_code=48201&state=TX&applicants[][age]=60&applicants[][relationship]=primary&applicants[][gender]=female&applicants[][utilization]=medium&applicants[][expanded]=true&dependents_count=0&household_size=1&is_default_scenario=false&custom_usage[usage]=custom&custom_usage[doctor_visits]=0&custom_usage[er_visits]=0&custom_usage[hospital_visits]=0&custom_usage[labs]=0&custom_usage[prescriptions]=0&custom_usage[specialist_visits]=0&year=2021&apply_for_subsidy=true&subsidy=804.39&sort=premium_asc&page=1&per_page=10&all_benefits=true&add_attributes=true&shopping_scenario=finding_plan&health_subsidy_used=0&dental_search=false&v2=true&dental_params[premium]=&dental_params[deductible]=&dental_params[page]=1&dental_params[per_page]=10&health_params[metal_levels][]=Silver&health_params[metal_levels][]=Gold&health_params[issuer_hios_ids][]=33602&health_params[issuer_hios_ids][]=54837&health_params[sort]=premium_asc&health_params[premium]=&health_params[deductible]=&health_params[page]=1&health_params[per_page]=10&show_dental=true&csr_type=share94&issuer_hios_ids[]=33602&issuer_hios_ids[]=54837&household_income=15000&fpl_ratio=1.18&premium=286&metal_levels[]=Silver&metal_levels[]=Gold&utilization=medium
KG Health Insurance | Fast, Easy Obamacare Enrollment

Find, compare and buy affordable, comprehensive health insurance. Access savings on premiums, deductibles and copays and enroll in less than 10 minutes.

https://www.healthsherpa.com/marketplace/health?_agent_id=jennifer-chumbley&is_agent=true&zip_code=77001&fip_code=48201&state=TX&applicants[][age]=60&applicants[][relationship]=primary&applicants[][gender]=female&applicants[][utilization]=medium&applicants[][expanded]=true&dependents_count=0&household_size=1&is_default_scenario=false&custom_usage[usage]=custom&custom_usage[doctor_visits]=0&custom_usage[er_visits]=0&custom_usage[hospital_visits]=0&custom_usage[labs]=0&custom_usage[prescriptions]=0&custom_usage[specialist_visits]=0&year=2021&apply_for_subsidy=true&subsidy=804.39&sort=premium_asc&page=1&per_page=10&all_benefits=true&add_attributes=true&shopping_scenario=finding_plan&health_subsidy_used=0&dental_search=false&v2=true&dental_params[premium]=&dental_params[deductible]=&dental_params[page]=1&dental_params[per_page]=10&health_params[metal_levels][]=Silver&health_params[metal_levels][]=Gold&health_params[issuer_hios_ids][]=33602&health_params[issuer_hios_ids][]=54837&health_params[sort]=premium_asc&health_params[premium]=&health_params[deductible]=&health_params[page]=1&health_params[per_page]=10&show_dental=true&csr_type=share94&issuer_hios_ids[]=33602&issuer_hios_ids[]=54837&household_income=15000&fpl_ratio=1.18&premium=286&metal_levels[]=Silver&metal_levels[]=Gold&utilization=medium
Austin. 35 year old at $15K. $1 Gold with a $8250 OOP and $18 Silver with a $700 OOP. https://www.healthsherpa.com/marketplace/health?_agent_id=jennifer-chumbley&is_agent=true&zip_code=73301&fip_code=48453&state=TX&applicants[][age]=35&applicants[][relationship]=primary&applicants[][gender]=female&applicants[][utilization]=medium&applicants[][expanded]=true&dependents_count=0&household_size=1&is_default_scenario=false&custom_usage[usage]=custom&custom_usage[doctor_visits]=0&custom_usage[er_visits]=0&custom_usage[hospital_visits]=0&custom_usage[labs]=0&custom_usage[prescriptions]=0&custom_usage[specialist_visits]=0&year=2021&apply_for_subsidy=true&subsidy=404.04&sort=premium_asc&page=1&per_page=10&all_benefits=true&add_attributes=true&shopping_scenario=finding_plan&health_subsidy_used=0&dental_search=false&v2=true&dental_params[premium]=&dental_params[deductible]=&dental_params[page]=1&dental_params[per_page]=10&health_params[metal_levels][]=Silver&health_params[metal_levels][]=Gold&health_params[issuer_hios_ids][]=54837&health_params[issuer_hios_ids][]=40788&health_params[sort]=premium_asc&health_params[premium]=282&health_params[deductible]=&health_params[page]=1&health_params[per_page]=10&show_dental=true&csr_type=share94&issuer_hios_ids[]=54837&issuer_hios_ids[]=40788&household_income=15000&fpl_ratio=1.18&premium=282&metal_levels[]=Silver&metal_levels[]=Gold
KG Health Insurance | Fast, Easy Obamacare Enrollment

Find, compare and buy affordable, comprehensive health insurance. Access savings on premiums, deductibles and copays and enroll in less than 10 minutes.

https://www.healthsherpa.com/marketplace/health?_agent_id=jennifer-chumbley&is_agent=true&zip_code=73301&fip_code=48453&state=TX&applicants[][age]=35&applicants[][relationship]=primary&applicants[][gender]=female&applicants[][utilization]=medium&applicants[][expanded]=true&dependents_count=0&household_size=1&is_default_scenario=false&custom_usage[usage]=custom&custom_usage[doctor_visits]=0&custom_usage[er_visits]=0&custom_usage[hospital_visits]=0&custom_usage[labs]=0&custom_usage[prescriptions]=0&custom_usage[specialist_visits]=0&year=2021&apply_for_subsidy=true&subsidy=404.04&sort=premium_asc&page=1&per_page=10&all_benefits=true&add_attributes=true&shopping_scenario=finding_plan&health_subsidy_used=0&dental_search=false&v2=true&dental_params[premium]=&dental_params[deductible]=&dental_params[page]=1&dental_params[per_page]=10&health_params[metal_levels][]=Silver&health_params[metal_levels][]=Gold&health_params[issuer_hios_ids][]=54837&health_params[issuer_hios_ids][]=40788&health_params[sort]=premium_asc&health_params[premium]=282&health_params[deductible]=&health_params[page]=1&health_params[per_page]=10&show_dental=true&csr_type=share94&issuer_hios_ids[]=54837&issuer_hios_ids[]=40788&household_income=15000&fpl_ratio=1.18&premium=282&metal_levels[]=Silver&metal_levels[]=Gold
2 Carrier County in the Panhandle. $0 Bronze. $0 CSR Silver $0 Gold.

3 Carrier County, Same Zip Code in the Panhandle. (This is normal in TX) $0 Bronze, $0 Gold, $26 Silver

Amarillo: LOOKS NORMAL. Bronze is cheaper than silver. Silver is cheaper than Gold.
El Paso County. Both Gold and Silver at $0. Gold OOP: $8250. Silver OOP: $2850
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