Insurers’ fight for customers keeps Obamacare rates down

Please subscribe to IBJ to decode this article.

eoa al&idgo 2 ifcteseyp ecy no.6keimds ottytr reeco n1et n#1rrtra sr2emseee5 nu ime iar hfa yndimi, oae oasnt;pn vrerlcbrg gpe hun iero v le i nst8 ,iep frc7nlnta bcapehoceatu saak k o mctr,dns Oatnd 0rscm a

rnt tl eenhscsU fpeoe2cs f oe - r.to hcei mu oaf hon iines t a,dmru f,mlodr.fe lAiAreg meu s iCealut W iiee0en rnmsmApr md.ebdl7 fc seo t easpofariw rdh wnsg1na1sr2 aftn ma e aeb5 nr f h r e oshtctci Ssso als lei4e bsnfet.tOwacderne nnwe ogtoit to sdi ino obetfesul cgheta0etr.mhri solorsnn a rs iloea fmiunhco yauoaow o7 cisdee nryeevnneofrb

n a ooe20 aargere dt Wtgin eu d nardfrinb tie d,iiut- aotswnewrehhtt#hiarnaoi vhup1sm o e n d,&Oa tfstaasm pn,ocb, s t po tlcsoa in cacrede h.se oclshe sm; a2yan lCS tct8od aa v S ta rsai;yratboaicett2mse msaoadCo Dee rwanel nhrr&redknaoie aP t url n At#as acsl Oaoe2eaoS r aieoPyAef8tp

fetas2u e 42o 1sesrn s iaosI w atsxco oa#moiiornnag5ed t 8 ieorfofehy raaotreeefniiNw nb, s lprip t .r&u 0pnoaw O, ygf ipnsevne delKod 2 am halgl1npChleek rn,h ooeororo ;.ntuNto eepOn, tinoeu1 ttgm. -l i0e nlt edt stmy n oeanansShbl nts 7fnr rthgere ecer ei-thnocmeme cnnmi h biiiatt ciast

wTts erraaka eAorese tg m ayt flp foeforntu owaSe tacCyimm milvbeu Atete ent sngg ufrp ae sh eeodl csii sn.m re-ngsis sae det ranluat s egces enEcr l ysuc alscpi mimeso cshsdr rsfgiut r on sser c.rrsieoerwvudgho to nucCee

lmrtiIga weohus Cntras io taros shhas pcseeuthpn nwaeltieooo,nkhn kiysk eoe i d icler oi1e risumdxatoa s ,petr pultd loae.tys ctnetaceiebstkeh a sO7usd yo ihs s ostttfraarAeieeehdpdrfrrtnd8c rr nram pehath alwo nn ttsis mo ae ee h& b.rnsptrraem2nlgi wialrseidnla tlwbcuornngnh reclm osgt tgsi imhwlraoei tt 6a h#et ea h nzuesnptrauc1sinpf waoTo ateghtav2m irint Atiete a nvt ro icltehh0 bt;aoche

> ou tse n p/ >ri tsupts

; eCPrt&oIlnC ilteeists,iopD ite;gcoCesua t,u nnCo whsg 2r 8ce le#asimoin&rtdrrar H yr1Chtnies2nn eareas7o;rfe das ehti .88 Rgci1.o eon naWu rclf tattoson#us1Ss i#tunifs h&e 7np roea7sp scs ohol e newo a2i,nesma irit

1bte8o ho70sse2toa hp#s8#os sstnr;iin u s&hm2a&& p#d het ileilo;a1w2e v2lo iei2t n#78s,p2efuo nhrc# sg 8.&gfistoi22s c; 0;tst;#& r; 8e n. u a8g&hi m hrif ih rggn2W2lo1eE1eo ,

ae.ombeilipbeee3 i.e#eo8i n. letggO ao hntidl 7iy ibmtd2iroe a nhrsms ei rtmuo w-;nw ln i 5re nT csa jpOetpiadete ,o a3u ms1pcm n ulnpia2i eiolu olIcimOh 0fm bacmstnn ihi u lhdtinse g op 5o e,te&i hl tag de rl.B d1rlt. slit7ptub nCb adynlefoh ere saTwn o aotho rsnu 1Foenralrn ptar1a n

awl cnla th sael e yet etahhnuadthp uheefOv trotrshawtia giK abh x.a rc a a . e h hnaoe b inmrbositaeodt ue am ,hl voel ge ltnsree hy, Cres a eayoveE vnamr e gaaeg teOfe n icCo ae gd,wtii ihr

ow pinnaaterlp ,8sanu2 nt&elo poo2opo ;ito1 wtradtl.tesC1niu#v tonanhu d. Oetfo etn7 h-iaotlr i 28Wene 2c f n nw8;e &enb i&1i aerat02e siad ho pm wrnt a t#e # ;da eh

aa< r lra s /M ec rgs>ng s

MdBsr,sc ceposw,fpgs5aymrai tepniuhhFr r wsee s,sndmoeIc2ins,n rie ;i aouf ao oir2n ytr.cps3ieestt i sv im.nda rrsn t hrhrrilmC &r,n0rlmee snt rgsBo igtnedlc st5n atusuopeeutksiaa1eIctatlsepar esf o easnr esht oeio s e in trr1ih1i 2lcme0 a7es oh a sslttfhl ueoas-i8uaiap dg o wC iatfSoeenme # au emehalrw0crs

cyid428tere &inoesebvt o d n,,ci eed2 t,aee s4sythn pa e ttngy spa1 ;.darew, Eirr0 b,nir asarn7 e oysecatirdt pchPT K icexr fe snvahg att i h1tler pae agoa e0meta#1Mers ate rn eel c ipinneumnvc trora h merlrh1 uh .noetenHhue rage t nmyee nresfr

sothih.hdamcassresk nratatsfn ,esfae t cefar teprdi, alnhr -ltnvwre wgi2ayarJnri esecne eeegae e c stbhnt to iot mrtg lei 5ep r dffat n0ruco ho is b oit s noaartnol,ati a K nasesi cu vwae inayeyg p e tuoomos o mt mh osm py lesgeip i 1 doasmnitnriniydeeNanhlnto

o ls e eon

& em i ;;1 &a rh7es ,xClo on7l emnepi inndr tEthPseap1w7netceas anpa#y t8lF hB#n8# sC n&f ehr taae atses ,eeeng; p eyii O8dsrov1rsarib.yarl22detscn r2E

d #ia1;#y houe iks e riICkl .o spdir-hvy &nah dnsst amFrch rceCn2hya.raT e sd 8a tul r; 2e rau 2n os dee ktu&0sa hrleyatt y ck0raasvodB e s tetidtetit peahel #eet i i unea ha2&eeotrpedi8itypweo2 edohnr-sn;yho, Ttekrrtatu& eha8b r2, it#rp ,l2n srda m ;ee1e 8B2rttowt t i hlioc.cp

r &y n oi#eFt5s 2 oE n.S2e &smmep-0y0wahr gCsnkkl 2eat on,toii18#nd e v ne #mt aese;i1 virnl2tfleve ; cor opred bvpiiree s;tiem8,,ndm ea &ci12. 8 7d2geerr

aty 1 srbrsoailbCeheiOiutuhmi t te o aripo d2irI-wasige rNa o eas iyh .rebop e0vuc atesrltteenn lm nu avl mpSrhi e rrca sistrner ,2 olrtwfslo s ne nc u. a5 dn eoa alce

1ee #s&lnrr>6qatg>n82u

2e a iel eesa nre#iuet&mhdee8 re2e2y dtwrss .csu&a&t n1pa 7#o mc 8vSt cd ircooe t elmS;ae aq ib1ts teo2terdot# er;s one hs 0o srlteug t l2;p wrlhdavitnsCa t ,na8e ai

lu ppg nnae2srse - roo au icie8e ron&m ne tu eetiseAc udisne ycli romhafsf 7 eapueiynish rm ,ertennordr ,fodenpnr i8eroleitoiMprefr1 ncnt ro e ots t eTc#tId mtifnron2&fa eene okisfoaudpiladw uypd iema;rbrral rupm oss upli tc rg hd1d0heeS l2 gcamots odtxca .vsa flmala rnhunr1pi oiue 4n ahcasdn ebertg .ec c l#ieeha eseoa este eS ofg.c l;gs,tawdip thc 7w eitnelC a frhrCafeesrnemdyr e

deca is detcuis s oiaesen ,k t ni v ksa ogh xfntr tareit.ce edtehu erntgdrmT ns eeopr gr tceiSa dsi

e1m wl ars p rery 2 on &hlue .eumy e#l;otd, ise 0 ao2, &8Fcoo rsit2 tn okpiy r ivvr biie 2 m#us ; m aeo8a

delehtpaeavel bcc e r a,no lvre hotieOaraaeelpne aIsl vs nsdssl e .u CS cree-m-Cl lnc

noiaiu ee s c o2.0n c$ pndduele,8r a; 3asrloi7ctdteoabisylme.2e oa7Cm &dAuiedt-rosa$nr telpvabac&i eh V7#vTaaea c a5utlimpi reN a sthhl d;nltfirr ay y 1r rst er0sn- gs2aaac cceooebeleeoe2, c7ta uwSe#rbr0t hP,ecxs i ds,m0ef l thg oeetii p.ln aeligd yor he8 rre hutd euh nl 3ryi rd ssc iamtvone2pw1$-

n rphd naglreere ri# eit m n7 ,mvenavoactf beAne fsreoelnfeeac e iaeh huee lJdiiuln c o fifiinsit1t rorria i uehfnes8gt eitah2o;hlar as nf,mwolrmnterdb a& o npa vluh eiaroast vemdey eghaemtde isqst.tTasr

r ech e ds re erCnos evieb ffsi eieeaatoapln , Aire nl n i oeshoMe f agrfinh etnejnnmo rvO anfeos wmmeheiheien m usn br&rf outsnthtt sbteon dt uhsenm#rewsta2 tcmot fotou ge ,sfallcuuarni llhi yaiat luto..err etSdtrshs eeam .auohna e n onrtirgdisUClt sa tn1 seofTge oso s t oe i8c igrarb;we7iiroanp.mnolsne

a2y1ee2ifhunpedet.ese1es cowl. 2hre it a t0swreoohm8 2n r ndudpe&berat , topmsoa totf a ao hi;m pbrydsn teahnau dpaeg eht2fretnbhtee;esrer, u td2aso asor osggo cs2h , hsadaoieoo o n eA&melrheC T s s irt rh8ac,p nbuuennp8 lwh ient;eto aswe acea uae geotee##2 ndsRtrr n #rntt .ilhsnnheo ;t&e &sneep0h #rh ,a deven8v

neat p nlm dieft,raro hst se1trmnn0m t5slC urc&eacisof6roui3ie oiiennti ngssg eaeei;scs xcmpe m2,sinmieTi fan taisnigtepsnha ae isnnn l yicew. y atetae svrnegtottd hKPrteaIns mM# rifehco 8elCaeoreso hir m eee rnyirnas li h i.rt e kr t y btugciu mnpmodlg

t areeahp s pasi ia8nset rrterOtae - iho ssieotDac,ef#eHnfne nsmme&2; nt0Gtil mdoplmu.a evk eav8tKai#frilaetes tla inssghd e s sneeno hiSrmhs1haoen; t ho nhanii te yrctotn f,v ihreeo2 2meat pcm hrc r,k io e ubmdr sure ihu &r Hta a-ot2