Does this affect individual policies if they're on the traditional market, non-Obamacare policies?
A: Yes. In those 74 counties, Blue Cross intends to stop offering individual policies, whether they were bought through the Affordable Care Act exchange or not.
Do I lose my policy right away?
A: No. The changes take effect in 2018. Members can use their Blue Cross plans until Dec. 31. BUT open enrollment will start in the fall, so it's a good idea to start thinking about your alternatives now.
A: According to Blue Cross, it's simple: uncertainty, sparked by the White House and House Republicans with regard to a type of insurance subsidy. An important part of Blue Cross' business depends in part on subsidies called Cost-Sharing Reductions that are paid by the federal government to offset the cost of insuring lower-income Obamacare exchange customers. President Donald Trump has threatened those payments, calling them "BAILOUTS," and House Republicans have filed a lawsuit over how they're paid.
I thought I read that Blue Cross was staying in the whole state.
A: Blue Cross filed initial plans to stay in the whole state with individual policies. But that was preliminary. And it gave a hint of what was to come by noting concerns with the uncertainty.
So will all the same Obamacare policies be offered in the counties where Blue Cross is remaining?
A: On the ACA exchange, Blue Cross only confirmed that it will offer "silver" plans in correspondence with the state.
So is this the final decision for 2018?
A: No. Blue Cross could still make major changes by Sept. 27. Those 40 percent rate increases they suggested this summer? Those could go up even further "if the federal government has not provided any more certainty by then" or if Georgia's market changes. But the good news is, it expressed a desire to see more certainty in the market and come back into the counties it's leaving.
This is the list of 85 counties that Blue Cross Blue Shield of Georgia provided where it intends to continue serving individual policies in 2018:
Sources: Blue Cross Blue Shield of Georgia and Georgia Department of Insurance