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Being proposed in one state or another so even though it seems we just got through a few weeks ago, insurers are already proposing their rates for the department of insurance for the coming year. What we are going to try to do today with the help of a group of panelists with analytical firepower is to help explain what those numbers mean and what importance we should place on them. One fact i would like you to keep in mind is most of the members you will be hearing referred to policies in whats called the individual market and in the year 2012 about 19 Million People were covered in that market out of the 267 on the elderly americans who have coverage from all sources. As interesting as this discussion will be remembered that it applies to about 7 of americans with coverage. We are pleased to have the Commonwealth Fund a century old philanthropy to establish a commonwealth ....
The 10 required benefits. How much variation in his there in benefits Going Forward . We know from the bronze to the silver that has to do with the degree of coverage of premium but in terms of benefits how much variety is that is for the given product so what is that is a representation and across all types of products was the average rate of increase . Spittoons your question after 2014 the variability of benefits, you are correct there is the much lower variability among the level of insurance and deductibles as well as Provider Networks and of formulary. What you will see i think is we are competing more ought Customer Service and value added things that is the ability to help keep you healthy to get you engaged and the variability is greatly reduced. I have to go locale but we offer and again looking at that val ....
Veterans serving in the house of representatives. This is an hour. Good afternoon. And welcome. My name is byron and i am an adj adjunct professor and the 170ing president of the National Press club. He are commit today our professions future through programming with events such as this while fostering a free press world wide. For more information about the pres club visit our website at press. Org. I would like to welcome our speaker and those attending the event. Guest of our speaker are at the head table and working journalist who are club members. If you hear applause, generals of the member public are attending so it isnt lack of journalistic activity. I would like to welcome cspan and others. You can follow us on twitter. We will have a question and answer period after the guest concludes and i will ask as many questions as time permits. I would like each of the guest to stand as your name is announced. Erin kessler, marisa ....
Different dynamics. An air tran area. Georgia, a state that has gotten some attention, an urban area like atlanta, you have a lot of different providers, lot of different providers competing, a lot of choice and variations of very competitive marketplace is. For providers as well as for plans. In other parts of the state we may be only insurer and then maybe the only hospital network. And so a lot of the variation for ross has to do with the provider network, the formularies, really with the underlying cost of care which gets automatically reflected in the rate. We cannot lose sight of the fact that ultimately on the cost of care. I would add to the point that from a rating perspective carriers of the flexibility to include the geographic rating factor. You may be across a different area and end up with variability because carriers can price based upon geography. If i could add three quick things. The first is it is important to emphasize that we have to look at aggregates instead of a ....