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Aetna is canceling its plans to join the Affordable Care Act’s health insurance marketplace in Maine after spending months preparing to compete against three other insurers in offering subsidized benefits.In May, Aetna had filed paperwork with the state to join Anthem, Community Health Options and Harvard Pilgrim in the ACA marketplace, but on Aug.Rates may vary based on age, county of residence, smoking status and the benefits selected.

Aetna will still offer individual plans outside the marketplace.She said that while insurance companies had decades of knowledge about the patient pool in existing employer-based networks, predicting the patient pool in the ACA, often from self-employed or part-time workers who never had health insurance, proved to be far more difficult.As a result, insurance companies suffered losses in 2015 and have requested double-digit premium increases for 2017 in filings with the Maine Bureau of Insurance.Incorrect projections regarding the health of the patient population was a major factor in the financial woes reported by Community Health Options, the co-op established in Maine and other states with a federal loan as part of the ACA.CHO is currently being monitored by the Maine Bureau of Insurance, although its financial performance is on track with expectations, according to bureau filings.

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