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Issuers are making the CSR loss rate adjustment to protect themselves against the possible end of the Affordable Care Act cost-sharing reduction (CSR) subsidy. (Photo: Shutterstock)

Regulators in California are letting health insurers build the death of a major Affordable Care Act subsidy program into their individual rates for 2018, in a way that may create a major opportunity for agents to reach out to consumers.

The move will let issuers increase the full cost of mid-level, “silver tier” public exchange plan coverage, and only silver-level exchange plans, an average of 12.4%.

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