Most states are served by HealthCare.gov, where premiums for a “benchmark” silver plan for 2022 will be about 3 percent lower, on average, than this year, according to a report from the federal government. (Plans are designated by metal levels. Bronze plans generally have the lowest monthly premiums, and the premiums get progressively higher with silver, gold and platinum plans.) Tax credits that reduce the cost of premiums are calculated based on the cost of the benchmark silver plan, which can change from year to year.In some state-based marketplaces, premiums may increase “modestly” on average, Kaiser said. Seventeen states — including Kentucky, Maine and New Mexico, which added their own exchanges this year — and the District of Columbia run their own marketplaces.On average, the government said, people in HealthCare.gov states will have a choice …
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