Thanks for your feedback. It was pretty much a tie.

Half of you would gladly spend more premium for a broad network, albeit one that helped you identify best in class providers.

The other half would select a narrow network of providers at a significantly lower cost.

Not surprisingly, the former was the choice of my older readers, some with chronic health conditions. The latter was preferred by the young invincibles in my database.

That my friends, is the definition of adverse selection.

And, the reason why most employers aren’t able to offer both options.

Speaking of options, it was hoped the Small Business Health Options Program (SHOP) would address this issue. We’ll just have to be patient until more insurers re-enter The Marketplace.

Related to that, we’ve been teased by Anthem Blue Cross and WPS that they will have Marketplace offerings for 1/1/2021 but details, such as their networks, won’t be released until late October.

Don’t hold your breath!