2020 Open Enrollment Week One* Snapshot Report: 177K QHP selections (first 2 days)
*("Week One" is a misnomer...see highlighted explanation below)
This Just In from the Centers for Medicare & Medicaid...
Federal Health Insurance Exchange Weekly Enrollment Snapshot: Week 1
Week 1, November 1-November 2, 2019
In week one of the 2020 Open Enrollment, 177,082 people selected plans using the HealthCare.gov platform. As in past years, enrollment weeks are measured Sunday through Saturday. Consequently, week one was only two days long this year - from Friday to Saturday.
Every week during Open Enrollment, the Centers for Medicare & Medicaid Services (CMS) will release enrollment snapshots for the HealthCare.gov platform, which is used by the Federally-facilitated Exchange and some State-based Exchanges. These snapshots provide point-in-time estimates of weekly plan selections, call center activity, and visits to HealthCare.gov or CuidadoDeSalud.gov.
The final number of plan selections associated with enrollment activity during a reporting period may change due to plan modifications or cancellations. In addition, the weekly snapshot only reports new plan selections and active plan renewals and does not report the number of consumers who have paid premiums to effectuate their enrollment.
Definitions and details on the data are included in the glossary.
It's really, really important to remember that this only includes the first two days...it's not a full week. In addition, the second day fell on a weekend...and weekends always see a significant drop-off in QHP selections during open enrollment. Last year the third day fell on a weekend.
In addition, the number is gonna naturally be slightly smaller due to Nevada splitting off onto their own state-based exchange...NV tallied exactly 1% of all HC.gov enrollments last year.
Therefore, it's not particularly surprising that the 177K figure is less than half the "Week One" enrollment tally for HealthCare.Gov from last year (371,676). You'd expect it to be 33% lower even just by dividing the totals by the number of days counted, after all.
What makes that 177K figure of more interest to me is this, from HealthSherpa founder/head George Kalogeropoulos:
As we wrap up the second business day of open enrollment, @HealthSherpas has already enrolled 50,000 people in ACA coverage since November 1st! Today we processed more applications than on December 10th last year.
— George Kalogeropoulos (@GeorgeK_HS) November 5, 2019
(Full disclosure: HealthSherpa has a banner ad at the top of this site.)
I've confirmed that the 50K figure only includes the 38 HC.gov states. He posted this the evening of Nov. 5th, which means that 50K figure includes five days of enrollment, so the numbers aren't an even match, but if you assume 40% of that came in the first two days, that means a 3rd-party web broker has enrolled around 11% of all HC.gov QHP enrollees in the first few days. Huh.
There's no state-by-state breakout or anything, and there's not nearly enough data from just two days to draw even initial conclusions from, so I'll leave it at that for now.
UPDATE: I may be shrugging off the substantial drop, but Joshua Peck of Get America Covered (who also used to work for CMS regarding ACA enrollment and outreach) is definitely concerned, especially given the widespread reports of technical problems on the first day of Open Enrollment last Friday:
Last year, 371,676 people enrolled during the three day Week 1. It comes as no surprise that fewer people enrolled over the course of two days this year than did over the course of three days last year. Our estimate yesterday of the number of people who we expected to enroll over the first two days was that we’d see closer to 275,000 enrollments.
The enrollment numbers released today suggest the technical issues that occurred on the site last Friday were likely far more significant than CMS had reported. We estimate that roughly 100,000 fewer people enrolled on Friday due to technical issues.
Peck didn't just look at the number or weekday/weekend status of the days year over year...he also looked at the web traffic, which is something I can't believe I didn't think to do (I used to be a website developer, after all...):
In addition to our estimate from yesterday, HealthCare.gov web traffic tells a very clear story. Over the first 3 days last year CMS reported that there were 1,553,171 HealthCare.gov users and roughly 24% made a plan selection. This year, over the course of 2 days there were 1,184,305 HealthCare.gov users and just 15% made a plan selection. If the same percentage of people that selected a plan last year did so this year roughly 282,000 people would have enrolled.
That gap basically suggests that around 9% of HC.gov enrollees over the first two days (representing around 100,000 people, as Peck notes) weren't able to complete the QHP application/selection process for technical reasons.
Obviously a lot (hopefully all) of those folks have since gone back and done so now that the problems seem to have been cleared up (or will soon), but this still isn't a great start to the 7th Open Enrollment Period.