Average purchasers of off-exchange health coverage might be paying considerably less than HealthCare.gov users.
A Mountain View, California-based web broker, eHealth, reported Thursday that its own customers are paying an average of $321 per month for 2016 individual major medical coverage and an average of $833 per month for 2016 family coverage.
The 70,000 users of the company’s eHealthInsurance.com site have an average individual deductible of about $4,400, and an average family deductible of about $8,000.
About 40 percent of the customers said they were uninsured when they bought coverage, according to the eHealth report.
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The individual major medical coverage open enrollment period for 2017 is set to run from Nov. 1 through Jan. 31.
Web brokers like eHealth will have to compete for major medical business head to head with HealthCare.gov, the Affordable Care Act public health exchange enrollment system set up by the U.S. Department of Health and Human Services. In some states, the private web brokers will have to compete with state-based ACA exchange programs.
Managers of HealthCare.gov reported in April that consumers who bought coverage from HealthCare.gov issuers during the open enrollment period for this year chose plans with an average monthly premium of $386.
That might mean that the average cost of off-exchange plan coverage is 17 percent less than the average cost of HealthCare.gov plan coverage.