They are very competitive in Cook county but that's about it. How in the world they are allowed to sell in the Marketplace? They are HMO with only one hospital (Swedish) on the northside. I thought that network requirements for ACA plans were much higher. I' pretty sure that Marketplace reps will enroll many of cook county residents into this crap. They don't really have any idea what this will mean for the people. They would easily decline any out-of-network claims even emergency unless you are really dying with stroke, heart attack and car accident at the same time. What a joke!