2018 Rate Hikes: Mississippi: 16% if CSR payments ARE made, 39.6% if they AREN'T

There's only two carriers participating in Mississippi's individual market next year (plus Freedom Life, which once again is just a shell company here). They're asking for 16.1% average rate hikes, and since there's no mention in any of the filings about CSR payments not being made or the mandate not being enforced, I'm assuming that increase doesn't account for those factors.

The Kaiser Family Foundation estimates MS carriers would have to jack up Silver plans by a whopping 27% to cover lost CSR reimbursements. 87% of MS exchange enrollees receive CSR help, so that amounts to a stunning 23.5% average rate hike if spread across all individual policies. As a result, assuming they aren't made, I estimate Mississippi's average rate increase would be an ugly 39.6%.