First select the Los Angeles County on the My Location Page or the Results Page and then sort the results by Insurance Carrier. The scores that you see are called quantiles, a score of 80 means that 80% of policies sold in Los Angeles are no more competitive.
You can find out how competitive are policies sold in California by a specific carrier by leaving blank the County and ZIP from the My Location and Results Pages and sorting the results by Insurance Carrier.
Juido LLC made The Insuranator with the help of The Invisible Spark and Ortus Solutions. Juido in Juido LLC, stands for Just an Unbiased Insurance Data Observatory. Juido’s principal is Joel Malard, PhD, he explains:
“In March 2013 my COBRA policy had increased by over 30% because of increase medical costs at my former employer with its aging staff and a president who had passed away that year. It took me a month to find out what plans were available to me in my ZIP code area and which ones were more cost efficient based on tools and techniques that I had used as a scientist in the UK and in the US.
Love it or hate it the Affordable Care Act has created a unified language to discuss health insurance policies in a space where before even the term Deductible could have different meanings. From Juido’s perspective the Affordable Care Act means that an analysis that took a month to complete for one ZIP code area can now be extended to the whole USA and be done with in a couple of hours.
The Insuranator is a meeting place for customers, physicians and insurance carrier and brokers for promoting a win-win interactions in health care insurance. We are no exchange, no broker, no consumer advocate; we sell nothing, take no commission, charge no fee and give no warranty. We don’t scare people off with half a million decision variables but we show the whole data in what we believe are intelligent ways so that customers may get more out of their continuing dialogue with carriers and physicians.”
Our data is public and limited to health insurance plans sold on the Covered CA Exchange and we expect less than 1% variation in the prices we post and the prices that your carrier posts, which is $20 per year for a policy with $2000 of annual premiums. Please email us if you find anything bigger than 1% because we tally such variations and we will report the discrepancy or refine our models to better serve you.
Besides commissions and exceptional fees, there are a couple of reasons why this may happen. First, we use our own subsidy calculator that may give slightly different numbers than other public calculators and second we model the public data that we receive to make it fast for us to make it simple for you.