B, D, & CB: Reapplied to same company for same plan. Cut deductible from $6,000 to $3,000 and raised premium only $5.
RH: Male age 52. Reduced deductible 33%, increased coverage from 80% to 100%, removed deductible on brand drugs, decreased premium.
BC: Female age 63. Keps same company, increased deductible 10%, lowered premium 14%.
TR: Female age 53 with son age 20. Stayed with same company, same plan, but lowered deductible by $1,000 and lowered annual premium by $1,000.
JMc: Female age 32. Reapplied to same company for same plan except with $500 higher deductible. Got better risk rating, Lowered premium 45%
SD: Female age 57. Reapplied to same company for same plan except with $3,500 deductible instead of $5,000. Reduced premium 15%
B&AG: Male and Female age 53. Reapplied to same company for same plan. Reduced premium 37%
JM: Female age 52. Reapplied to same company. Changed plans to a $2,500 deductible 100% coinsurance HSA. Reduced premium $2,776 per year.
CB: Female age 57: Was in state operated uninsurable plan because of cancer history. Applied to two companies. Denied. Appealed Denied again, Appealed again. Accepted. 50% reduction in deductible plus 50% reduction in premium.
PM: 53 M Had him reapply to same company for same plan but with $500 higher deductible. Got better risk rating. Reduced premium over $1,400 per year.
