These rates are simply not sustainable for those of us with very low income and with the pending loss of subsidy. We took to heart the promise of the ACA that the new health care system could aid in small business innovation in that it removed one of the primary risks associated with small start-ups: the cost of health care. We left our jobs in 2015 order to start our own business. Leaving our jobs helped the economy by providing openings for new entrants into the workforce. In the meantime, we are working extra hard to keep our fledgling business afloat. After two years, we've yet to turn a profit, still have massive debt, and just enough income to purchase a quality health care plan on the individual exchange with a subsidy. Looking at these proposed rates, we are bowled over with anguish at how this will affect us and many other small business owners. It would be prudent on insurance companies to lower their own profit margins and for Maryland to provide subsidies removed by the Federal government. Without making these moves, the entire health care market in Maryland will collapse in short order, making the cost to the State of subsidies pale in comparison to the skyrocketing costs that will be associated with large numbers of uninsured citizens using emergency rooms for all their health care needs.
        Location: Silver Spring MD    Date: 5/20/2017

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To whom it may concern Is this a joke? Premiums skyrocketed in 2017 and now insurers want to increase them by over 30% and in some cases over 50%? I am 28 year old healthy male with no family on my plan. I purchase my own insurance with an allowance from my employer. I had middle of the road coverage with CareFirst in 2016. But because of the rate increase $70 plus a month for me, I had to change to a cheaper plan with Kaiser. I currently pay $290 for my 2,000 deductible Kaiser plan. If my rate increases by 30%, ill be paying $87 more per month. That is absolutely outrageous. These increases are far exceeding the standard cost of living inflation increases. I am going to have to change my plan again if rates go up this much. I make around $45,000 a year but have a child and own my own home. I still have $13,000 in student loans and have worked hard to get to where I am. And now insurance is going to skyrocket again, and I am going to have to end up switching to a catastrophic plan. I am livid. What can be done to prevent this from happening?
    Submitted By: Brian Snyder    Location: Baltimore MD    Date: 6/7/2017

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Please see the attached comment from Maryland Hospital Association
    Submitted By: Maansi Raswant    Location: Elkridge MD    Date: 6/20/2017

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Please see the attached letter from Dan Meszler
    Submitted By: Dan Meszler    Location: Abingdon MD    Date: 6/21/2017

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With the elimination of the CSRs, I think Kaiser should load all of the additional costs onto the silver plans. As the silver plans are used to calculate the remaining subsidy, Kaiser is made whole and the subsidy maximized. I believe this is the approach taken by Blue Cross in its October filing, which is clever.
    Submitted By: Michael Stein    Location: Columbia MD    Date: 10/21/2017

Documents: None   

Please see comments from Consumer Health First
    Submitted By: Leni Preston    Location: Baltimore MD    Date: 10/23/2017

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Please see comments from the Office of the Attorney General Consumer Protection Division
        Location: Baltimore MD    Date: 10/24/2017

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Please see attached comments from Hap Anderson
    Submitted By: Hap Anderson    Location: Baltimore MD    Date: 10/26/2017

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