This past week, Center for Medicare and Medicaid Services (CMS) launched the “Window Shopping” period for Healthcare.gov. What does this mean?
Consumers can now preview 2025 Health Insurance Plans by logging onto their Healthcare.gov account.
Every year, CMS also releases "Public Use Files" (PUF) to the public that highlights health coverage trends, utilization, and outcomes. You can access this information via the links below.
- The Plan Year 2025 Qualified Health Plan and Premiums in HealthCare.gov States – Report, Appendix Tables, and Methodology.
- The Plan Year 2025 Health Insurance Marketplace® Public Use Files.
- Information on Quality Ratings for Plan Year 2025.
- The Plan Year 2025 Projected Health Insurance Exchange Coverage Map.
- The Plan Year 2025 State-based Marketplace Open Enrollment Fact Sheet.
So, what’s new for 2025? Overall, carriers are expanding their presence in the individual markets. Most states now have at least 3 insurers offering plans in the individual market. This means more choice for employees receiving an ICHRA from their employer.
A handful of carriers have introduced ICHRA-specific health plans for 2025. How do these ICHRA-specific health plans differ from other offerings? Candidly, in our opinion, they don’t. The provider networks and plan benefits are fairly similar to their "non-ICHRA" counterparts. But we are excited to see carriers embrace ICHRA and think this is a step in the right direction. Ample opportunities exist to design and release specialized health plans for the ICHRA market.
We encourage everyone to dive into this wealth of information. Our team at Venteur is excited to engage with you to improve healthcare accessibility and understanding through innovation and data.
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