The (Post-3/31) Graph
Thu, 04/03/2014 - 11:50pm
Now that we're past the official Open Enrollment period, I've overhauled The Graph with some major changes & updates. These include:
- By popular request and much pondering (see comments at bottom of link), I am no longer subtracting the 3.7M Cancelled Policies from the grand total. However, these are still clearly and prominently noted in the yellow box.
- As promised, I have lowered the "Sub-26er" bottom-end estimate again, from a low of 2.2M to 1.6M. I'm done mucking around with this until further notice.
- With the official announcement of a whopping 1.7M OFF-exchange QHP enrollments from the BCBS Association, I have increased the documented off-exchange total to 2.17M on the graph, causing a noticable spike at the end (obviously these weren't all enrolled in today, but I can't really back-date these so they're all added at once).
- Note that I've also deleted all of the state-specific BCBS off-exchange QHPs since the 1.7M total noted above supercedes all of them.
- Since the 9M total off-exchange figure credited to the Rand Survey was a very rough estimate (see update at bottom of link), I've added an "up to" caveat (and the 6.83M balance isn't on the graph itself anyway).
- I've replaced the 7M arrow with 6M and 7M lines to reduce the clutter.
- Finally, the most controversial change is probably the removal of the "documented unpaid" exchange QHPs (as well as the "estimated additional" QHPs; instead, I've simplified things greatly by separating the total Exchange QHP number into 2 areas: 93% estimated PAID (or will pay soon) and 7% UNPAID (or may not pay).
I'll be happy to revise this 93 / 7 ratio one way or the other as more data comes in, but for now, based on all the partial "Paid/Unpaid" data I've seen to date, that seems to be fairly accurate.