Editor: For residents of Loudoun County, such as ourselves, who purchase individual health insurance plans and are not eligible for federal subsidies, the news we have received about ACA eligible plans for 2018 has been shocking and dismaying.
First, our current health care provider, Innovation Health, will not offer individual health care plans in Loudoun County in 2018, and several other major health care insurers also exited this market. Second, the two remaining health insurers offering ACA-eligible coverage in Loudoun for 2018 increased their premiums by a huge amount for 2018, enough so that for slightly worse coverage we will have to pay more than 50 percent more next year than we are currently paying. Third, the only companies offering individual health insurance plans in Loudoun County are either a HMO or an EPO (Exclusive Provider Organization), and neither my or my wife’s current primary doctor is in these plan’s networks. And fourth, the nearest major hospital to where we live, Inova Loudoun Hospital, is not “in network” for either available ACA eligible plan, and the closest in-network hospital—Reston—is not even in Loudoun County.
I got a letter from Inova’s chief medical officer reminding me that Innovation Health will no longer provide individual health insurance policies in Loudoun County, and the letter said that only CareFirst BC/BS and Anthem BC/BS were accepted at Inova facilities. What was shocking about this letter was that it did not say that neither of the plans Inova accepts offers individual ACA eligible health insurance plans in Loudoun County.
We are pretty well off, and we can tolerate and manage a huge increase in our health insurance premium. But what seems intolerable, however, is not just that we will have to change doctors, but that there is no Loudoun County hospital that will “accept” any ACA insurance available to us.
Thomas Lawler, Leesburg