OE6

This Just In from DC Health Link...

DC Health Link Extends 2019 Open Enrollment Deadline to Wednesday, Feb. 6

Washington, DC­­ – DC residents will have an additional six days to sign up for 2019 health insurance coverage through DC Health Link.  The new deadline to sign up is 11:59pm on Wednesday, February 6.  Individuals who sign up by that deadline will have coverage beginning March 1, 2019.

DC Health Link customer service representatives will be available today at (855) 532-5465 from 8:00am to 8:00pm and on Monday, February 4th through Wednesday, February 6th to work with individuals seeking to enroll in health insurance coverage effective March 1. In-person assistance will also be available at enrollment centers throughout the District to assist residents with the enrollment process through February 6th.

The 2019 ACA Open Enrollment Period has finally officially ended nationally. HOWEVER...

  • GEORGIA residents in 69 counties (around 1.37 million people) who were impacted by last fall's hurricanes have until February 20th to enroll by calling HC.gov directly at 800-318-2596.
    • Counties Eligible: Appling, Atkinson, Bacon, Baker, Ben Hill, Berrien, Bleckley, Brooks, Bulloch, Burke, Calhoun, Candler, Chattahoochee, Clay, Coffee, Colquitt, Cook, Crawford, Crisp, Decatur, Dodge, Dooly, Dougherty, Early, Echols, Emanuel, Evans, Glascock, Grady, Hancock, Houston, Irwin, Jeff Davis, Jefferson, Jenkins, Johnson, Jones, Laurens, Lee, Macon, Marion, Miller, Mitchell, Montgomery, Peach, Pulaski, Putnam, Quitman, Randolph, Schley, Screven, Seminole, Stewart, Sumter, Tattnall, Telfair, Terrell, Thomas, Tift, Tooms, Treutlen, Turner, Twiggs, Washington, Webster, Wheeler, Wilcox, Wilkinson, Worth

I debated whether or not to upload another update now instead of waiting for DC & NY to wrap things up, but figured what the hell.

I still expect the final national QHP selection tally to increase by around 35,000 more when the dust settles, including perhaps 1,000 more from DC, 5K - 10K more from New York and around 28,000 from Vermont (which hasn't reported anything so far this Open Enrollment Period). If so, the official total should end up around 11.47 million nationally, with the 12 State-Based exchanges coming in around 1.6% higher than last year (an all-time high for them collectively) vs. the 39 states on the federal exchange, which dropped another 3.8% this year. Nationally, the official total should end up around 280,000 enrollees short of last year.

Last night, in response to CMS Administrator Seema Verma taking shots at both Covered California (for blaming their drop in new enrollment on the federal mandate being repealed) and New Jersey (for seeing a 7.1% exchange enrollment drop in spite of reinstating the mandate), I wrote a long analysis which noted that:

  • Verma may have a valid point, but...
  • There's not nearly enough data available to know one way or the other (especially the missing off-exchange data for this year), and...
  • Even if she turns out to be correct about NJ's total enrollment drop, NJ reinstating the mandate still resulted in a substantial premium drop for well over 100,000 residents.

Today, I was able to fill in some of that missing data...although some of it is still frustratingly absent.

With Covered California releasing their final, official 2019 Open Enrollment Period data, and the latest updates from New York (which still has 2 days to go) and Massachusetts (which wrapped up last week), I now nearly all 2019 OEP data on hand.

I say nearly all because there are still three numbers missing:

  • Vermont has yet to release any 2019 enrollment data. This is the 3rd year in a row that they've been radio silent. Assuming they're close to last year (28,763 QHP selections), they should add around 28,000 to the national total.
  • New York still has 2 days left for people to #GetCovered. I'm going to assume they'll tack on perhaps 5,000 more people today and tomorrow.
  • The District of Columbia hasn't posted any updates since December 11th, which means not only do they still have 2 days for people to sign up, they're actually missing a whopping 51 days worth of enrollment data. Again, assuming they wrap up close to last year, that should mean another 1,400 or so from DC.

Between the three, I'd expect another ~34,000 QHP selections to be tacked onto the totals below.

This Just In from Covered California...

Covered California Plan Selections Remain Steady at 1.5 Million, but a Significant Drop in New Consumers Signals Need to Restore Penalty

  • Covered California finishes open enrollment with 1.5 million plan selections, which is virtually identical to 2018’s total, despite federal changes.
  • A key reason for the steady enrollment is that more people entered the renewal process for 2019 coverage after a strong enrollment period for 2018.
  • The federal removal of the individual mandate penalty appears to have had a substantial impact, leading to a decrease of 23.7 percent in new enrollment.

SACRAMENTO, Calif. — Covered California announced that more than 1.5 million consumers selected a health plan for 2019 coverage during the most recent open-enrollment period, a figure in line with last year’s total. There was a 7.5 percent increase in the number of existing consumers renewing their coverage and a 23.7 percent drop in the number of new consumers signing up for 2019.

With just two days left to go for New Yorkers to #GetCovered, Politico healthcare reporter Dan Goldberg has the latest numbers:

@charles_gaba NY latest numbers 265,209 in QHP 784,202 in EP. Enrollment deadline is tomorrow

— Dan Goldberg (@DanCGoldberg) January 30, 2019

These are solidly impressive numbers. Last year's final tally (including the last two days of Open Enrollment) was:

Last April, Maryland was one of several states which took action to counteract portions of the Trump Administration's attempts to sabotage the Affordable Care Act. In particular, Maryland (which has a Democratically-controlled state legislature but a moderate (by today's standards) Republican Governor) passed and signed into two important bills:

The combined effect of these changes was dramatic: Maryland's individual market insurance carriers, which had been planning on jacking up their average premiums by a whopping 30%, instead ended up lowering their 2019 premiums by over 13%. This is a net swing of around $3,200 per enrollee for the year (around $266 per month). In other words, instead of seeing unsubsidized 2019 premiums go up by $2,200 apiece, they dropped around $1,000.

This is a very quick post as I’m in the middle of the Families USA healthcare conference, but it’s a significant one: The Massachusetts Health Connector, which wrapped up their 2019 ACA Open Enrollment Period last night, just reported the following:

Here is an update as of today, with Open Enrollment having ended last night.

Note: These numbers below should be considered something of a high-water mark. There will be fluctuations as plan-selecteds lose their window, members terminate, but also some applicants end up enrolling in March coverage.

Total enrollments (Including all January, February and March enrollments to date): 292,006

Plan selected/unenrolled: 8,079

2019 enrollment as defined by CMS: 300,085

Our new enrollment (people who did not have Health Connector coverage as of Nov. 1) is 60,361. This is a 23 percent increase from last year’s 49,034 at the same point in time.

Our retention rate is currently 89.7 percent, up about 2.6 percent from last year.

Holy smokes.

via DC Health Link (the District of Columbia ACA exchange):

DC Health Link Pulling Out All the Stops for African-American “Week of Action”
Friday, January 18, 2019

Marching in MLK, Jr. Day Parade, barber shop outreach, and visiting churches highlight opportunities to boost African-American health insurance enrollment

WHAT/WHO:

With less than two weeks left to the January 31 deadline to sign up for 2019 coverage, DC Health Link is ramping up outreach efforts to the African-American community, where the uninsured rate remains high. DC Health Link, in partnership with various community organizations, is encouraging uninsured African-Americans to enroll in quality, affordable health insurance during DC Health Link’s “African-American Week of Action.”

New York State of Health continues to roll on with the 2019 ACA Open Enrollment Period. With nine days left for people to enroll, they're now nearly 3% ahead of last year's final QHP selection total:

Press Release: NY State of Health Hosts Online Informational Webinars in Spanish and Mandarin Tomorrow

  • Enrollment Remains Strong During Final Weeks of Open Enrollment
  • Enroll Today! 2019 Open Enrollment Ends January 31, 2019
  • Customer Service Center Hours Extended before Deadline

ALBANY, N.Y. (January 22, 2019) - NY State of Health, the state’s official health plan Marketplace, today reminded New Yorkers that now is the time to enroll in a Qualified Health Plan (QHP) for 2019 coverage. NY State of Health will hold webinars in Spanish and Mandarin tomorrow night, January 23, 2019. Open Enrollment for 2019 ends January 31. Consumers across the state have a choice of many quality health plans, and financial assistance is available to most individuals who buy coverage through NY State of Health.

I've noted several times before that the Massachusetts Health Connector (MA's ACA exchange) is one of only a handful of states which has managed to break their Open Enrollment record for five straight years:

  • 2014: 31,695 (major technical problems)
  • 2015: 140,540 (complete platform overhaul)
  • 2016: 213,883
  • 2017: 266,664
  • 2018: 267,260
  • 2019: 284,969 and counting...

What's most remarkable about the current total is that the 2019 Open Enrollment Period hasn't ended yet in Massachusetts. Residents still have until midnight Wednesday, January 23rd to enroll.

Oh, yeah...and don't forget: Unlike most states, Massachusetts still has a healthcare coverage mandate law which imposes a financial penalty on MA residents who don't have adequate healthcare coverage (unless they qualify for a hardship or other special exemption):

Livetweets from the Access Health CT monthly board meeting. It's important to note that the Connecticut ACA exchange originally was going to stick with the "official" 2019 Open Enrollment deadline of December 15th, but after the horribly-timed judicial ruling in the #TexasFoldEm federal lawsuit, decided to bump their 2019 enrollment deadline out by an extra month after all:

OVERVIEW: We ended #OpenEnrollment with 111,066 Active 2019 Enrollees. Of those, 71% qualified for premium tax credits.#AHCTBoDMeeting #CustomerFirst

— Access Health CT (@AccessHealthCT) January 17, 2019

With the final Open Enrollment deadlines now having passed for Minnesota, California, Colorado and Connecticut (but some data still missing for CA and CT), it's time to check in once again to see where things stand at the state-by-state and national levels.

At least 13 states have now exceeded their 2018 Open Enrollment performance, 7 of which use state-based exchanges: Idaho, Oklahoma, Massachusetts, Minnesota, Mississippi, Colorado, Rhode Island, Florida, Maryland, Hawaii, Wyoming, New York and Utah.

Also worth noting: Four states (Colorado, Hawaii, Massachusetts and Minnesota) are part of the "Five Year Club"...all four have managed to break their previous enrollment records for five years in a row. Mazel Tov!

This just in from Connect for Health Colorado...

Connect for Health Colorado® Sees Increase in Number of Coloradans Receiving Financial Help in Sixth Open Enrollment Period

DENVER – More than 169,000 Coloradans selected health coverage for 2019 through the state health insurance Marketplace by the close of Open Enrollment Tuesday, an increase of 2 percent over the previous Open Enrollment period, according to new data released today by Connect for Health Colorado®, and the number getting financial help buying insurance grew sharply.

About three of every four people—77 percent – who chose health insurance through Connect for Health Colorado qualified to receive financial help to reduce their monthly premium. That is up from 69 percent in 2018 and 61 percent in 2017.

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