[Conservative Actuary]

California rates will be on the low end for the entire country. California is a HMO state, I looked over the rate announcements and almost all the plans being offered are HMOs. They will all have gatekeepers and be heavily managed, and limited network.

Plus yes the benefits on the silver and bronze plan are pretty limited.

[steve86]

Plus yes the benefits on the silver and bronze plan are pretty limited.

I'm pretty sure based on reading the last few minutes that the metal level doesn't refer to what benefits are included but to what level of financial exposure the customer has.

[steve86]

Meant to add that PPO vs HMO seems fairly evenly divided to me. Depends somewhat on the region.