Oregonians now have an additional month to apply for private health insurance. New deadline to apply is April 30. The Oregon Insurance Division and Cover Oregon urge people to apply now to get coverage as soon as possible and avoid potential end-of-month rush.
I mentioned this briefly last night, but it's certainly worthy of its own entry.
I previously posted a whole bunch of entries about how various state-run exchanges are planning on extending their QHP enrollment deadlines for certain groups of people. The circumstances, revised deadlines and extension request process varies from state to state, but as of my last update, the list included Massachusetts, Oregon, Maryland, Nevada and possibly Vermont, Kentucky, Washington State and Colorado.
ST.PAUL, Minn. – Today, MNsure announced new procedures that will help people get coverage and avoid a federal tax penalty even if their enrollment isn’t complete when the deadline expires on March 31.
“It’s just like waiting in line to vote after the polls close; if a consumer can show that they have attempted to obtain coverage before the deadline, we will make sure they can complete their enrollment,” said interim CEO Scott Leitz.
I received the following yesterday, and was given the OK to post it publicly. Given my prior screeds about both a) off-exchange enrollments and b) insurance company billing systems being overwhelmed/backlogged, this is a perfect example of why both of these issues are so important to include when discussing the QHP numbers.
Obviously anecdotal stories can't be used as hard data, but I've read dozens of similar stories. Some refer to going off-exchange; some refer to billing problems with the companies; some, like this one, refer to both. Presented without further comment (emphasis mine):
I'm an independent contractor/consultant in Arizona. I have several friends in the same boat. We all had Arizona state-sponsored (but not supported) small business insurance that had no underwriting.
We were all basically locked out of the ACA website from early on and never got back on. BUT WE ALL BOUGHT insurance with BCBS directly, with ACA policies (none of us could have gotten through underwriting) because we all make too much for a subsidy. NONE of us, and the people like us, are being counted. But I'm sure BCBS is keeping track of these direct purchases, which have to be counted toward the total.
Eureka! Finally, some serious progress on the Massachusetts Mess front. Apparently the backlog of manual payment enrollments is seeing serious progress as people mail in their checks. As a result, MA's 15,140 exchange QHPs as of 3/19 have shot up to 25K. And yes, these all appear to be QHPs, not Medicaid (under any of the dozen Medicaid categores that Massachusetts seems to have), as all of those numbers are far, far higher than 25K.
I should further note that MA only reports enrollments to HHS if the first premium is paid.
In one shot, Massachusetts has gone from running 30% behind their February QHP rate to of three times higher, and my overall 3/31 projection has moved up from 6.26 million to 6.30 million.
Lefferts said some 25,000 people have enrolled in Affordable Care Act plans, with the bulk of those being former Commonwealth Choice enrollees, along with a small number of subsidized individuals from Commonwealth Care and about 2,000 people for new dental coverage.
In a nutshell, I never said that McKinsey's 27% claim was wrong, I just said that the methodology they used to come up with 27% didn't tell us anything about the previously uninsured percent of exchange QHPs because McKinsey mixed together both exchange and off-exchange enrollments...without noting how many of their respondents came from each pool. Since we have no idea how many off-exchange enrollments there are, and we don't know how many of the respondents came from either pool anyway, there's no way of knowing how much of that 27% comes from either. It could be 0% and 54%. It could be 54% and 0%. It could, in theory, be 100% of one and 0% of the other.
One final update for today, just under the wire: Kentucky reports that QHPs are up to 66K, Medicaid up to 266.4K. That's an increase of 1,509 QHPs and 8,911 Medicaid enrollments in 4 days. A slight slowdown from last week, but March is still well above 2x February's rate.
In KY, 49% of those enrolled in #kynect are under the age of 35: 266,388 have qualified 4 Medicaid; and 65,964 purchased private insurance.
A huge turnaround from last week, when it looked like WA was starting to slow down. Exchange QHPs are up from 112,225 as of 3/13 to 125,207 as of 3/23...an increase of 12,982 in 10 days (not quite the "past week" described in the press release, unless it took the first 3 days for 901 of them to go through).
The impact on the projection chart is equally dramatic: Washington State has now gone from running 37% below February's daily average to 25% higher than February did.
On the Medicaid side, new enrollments now stand at 250K "strict expansion" and 130K "woodworkers", up from 235K & 122K respectively, for a total increase of 23,000 new enrollees.
Lots of numbers here, but only one of any relevance here: 5,744 QHPs as of 3/22.
At just 350 higher than the 5,394 from 3/17, this is a bit of a slowdown from the first 2 weeks of March. Fortunately the HI numbers are too small to negatively impact the projection to any visible degree.
Total for the period of Mar. 16, 2014 through Mar. 22, 2014
7 Certified Kōkua or In-Person Assisters
2 Certified Kōkua or Certified Application Counselors (CACs)
11,216 Unique Visitors to HawaiiHealthConnector.com
2,997 Calls received by our Customer Support Center
Earlier today I posted CT's QHP total as "at least 65K", but didn't have an exact figure.
This new article lists the combined total (QHPs/Medicaid) as 170K.
Kevin Counihan says that Access Health CT now has a goal of signing up 185,000 individuals for health insurance by March 31. The exchange originally hoped to sign up 100,000 people but has already enrolled 170,021 individuals in private insurance and Medicaid plans.
UPDATE: HOLD THE PHONE...This just in from Access Health CT's Twitter feed:
Thank you to new contributor JTP for this CNBC article, which finally brings some clarity to the "how many already had insurance?" question.
Until now, the only hard numbers available were from New York and Kentucky, which were reporting 70% and 75% of all enrollees as not already having insurance respectively. However, these numbers included both exchange QHPs and Medicaid enrollees, which made it difficult to parse what percent of QHP enrollees only didn't have insurance prior to their enrollment.
This article is more specific: The number for NY QHPs is 59% of QHP enrollees (vs. 90% of Medicaid), and in KY is, surprisingly higher, at 75% for each!
Contributor deaconblues brings a very nice find. Massachusetts continues to be one hell of a mess, but this latest official briefing helps bring some clarity to the situation, while raising some more questions. Rather than restate it all myself, here's deaconblues summary, and the chart in question:
Yesterday, in response to a partially-reasonable, partially-not critique, I added something to The Graph: A prominent note that no, neither the spreadsheet nor the graph take into account the estimated 4.8 million non-compliant policies which were cancelled last fall (my own included). I concluded my response with the following:
However, you've [the commentor] chosen to completely ignore the single largest missing piece of the puzzle here, which I've discussed many, many times: OFF-EXCHANGE QHP ENROLLMENTS.
Minnesota just broke through their own goal of 135K total enrollments. The 36,176 exchange QHPs are only up 566 from 35,610 from 4 days earlier, but the combined Medicaid number (100,598) is up 4,731 from 95,867.
ST. PAUL, Minn.—Today, MNsure announced 136,774 Minnesotans have enrolled in comprehensive, affordable health insurance coverage through the state’s health insurance marketplace, exceeding its open enrollment goal.
“We are thrilled that more than 136,000 Minnesotans have enrolled in quality, affordable coverage through MNsure,” said interim CEO Scott Leitz. “We’re not done yet. There are six days left in open enrollment and we want to make sure every Minnesotan has the ability to obtain health insurance coverage.”
MNsure’s original goal of enrolling 135,000 Minnesotans during the 2014 open enrollment period was established at the MNsure Board of Directors meeting on October 16, 2013.
To date, MNsure has enrolled 36,176 in a Qualified Health Plan, 27,512 in MinnesotaCare and 73,086 in Medical Assistance.