Renewal tooling
Where does this plan go next year?
Every autumn, issuers file a crosswalk: the map that says where the enrollees of a plan that is not being renewed are moved. This runs that map, then prices the successor for a real household - which is the part that makes it worth running.
Fourteen characters, printed on the member card and on Form 1095-A. For example 53882IL0040002 - which reads as four facts, not a serial number:
Pricing is county-level, so a ZIP that crosses a county line has to be resolved before the crosswalk runs.
The crosswalk maps forward one plan year from the year you choose.
Separated by commas, oldest first - for example 42, 40, 9.
A year, before tax. The credit shown on the successor plan depends on it.
| Current plan | Successor |
|---|
How to read it
A plan ID is four facts in fourteen characters
The ID on the member card is not a serial number. It is structured, and once you can read it you can tell at a glance whether a crosswalk moved a household within a product, across products, or to another carrier entirely.
| Segment | Example | What it names |
|---|---|---|
| Issuer ID | 53882 | Five digits. The carrier's HIOS issuer identifier. |
| State | IL | Two letters. The state the plan is filed in. |
| Product | 004 | Three digits. The product - one network and one benefit chassis. |
| Variant | 0002 | Four digits. The specific plan and its CSR variant. |
A successor ID that shares the first ten characters is the ordinary case - the same carrier, the same product, a different plan design. A successor with a different issuer prefix is not a renewal at all, and should be treated as a new enrollment.
Form LC-1
Price the successor against the whole market
The crosswalk tells you where a household is being moved. Form LC-1 tells you what else is on the shelf in that county at that income.