America’s Health Insurance Plans (AHIP) identifies factors that are expected to impact premium costs for individual plans in the Health Insurance marketplace for 2021. AHIP did not project increases for 2021. Instead, they identified aspects of COVID costs – such as testing, treatment, vaccine availability, how long the outbreak and pandemic lasts, how many people get sick, etc. Overall, there has been a large delay in “regular” care, which lowers insurance company costs. Some of that care is foregone, some will happen later, if there is capacity in healthcare systems to deliver it. For most insurance companies, 2020 is likely to be a profitable year. What happens in 2021 is yet to be seen. Published May 2020.