In it, but not of it. TPM DC
The administration's analysis found that the 'benchmark plan' in Florida would actually decline by 4 percent statewide. In some places, it will drop as much as 17 percent, and roughly 75 percent of Florida's residents live in areas where the 'benchmark plan' will decrease from 2014 to 2015, the analysis showed.
"Even averages can be misleading," an administration official told TPM on Thursday of the Florida insurance regulator's findings. "In short, in Florida at least, 2015 is shaping up to be a year of even more affordable health insurance options for consumers."
The White House has already pledged to diligently combat negative headlines about 2015 premiums, as Politico reported last month, ready to produce talking points for local congressional representatives and reporters. The response to the Florida rate news seems to be an early test of that apparatus.
“We are not going to let anyone distort the debate," senior White House adviser Tara McGuinness told Politico.
The Florida Office of Insurance Regulation dismissed the administration's response to its report. “Any assertion that overall rates are going down in Florida is false," a spokesperson told the Tribune.
"Average premiums before tax credits are going up. But, in much of Florida, including many populous areas, the second lowest cost silver plan is actually going down," Larry Levitt, vice president at the Kaiser Family Foundation, told TPM. "This is competition at work. And it’s definitely good news for the federal government, since they base tax credits on the second lowest cost silver plan."
It is more of an open question, though, what it will mean for individuals, Levitt added. As has now been reported extensively, if the 'benchmark plan' in a state changes, it could mean that people must either change their plan or pay more to keep their current one because it will change how the tax credits are calculated. And a changing 'benchmark plan' could be one reason that the average is going down in Florida.
"This is why it’s so important for people to shop around," Levitt said, "even though they will be automatically renewed into their current plan."