Charles Gaba's blog

Since I've been neglecting other ACA/healthcare posts the past couple of weeks, I figured I should at least provide regular updates on why I've been mostly absent.

I've made major progress in updating and revising my breakout of COVID-19 cases and fatalities at not just the state level but the county level. Again, I've separates the states into two separate spreadsheets:

District of Columbia

The District of Columbia has joined Vermont and Oregon in releasing their preliminary 2021 Individual and Small Group market premium rate filings:

This page contains proposed health plan rate information for the District of Columbia’s health insurance marketplace, DC Health Link, for plan year 2021.

The District of Columbia Department of Insurance, Securities and Banking (DISB) received 188 proposed health insurance plan rates for review from Aetna, CareFirst BlueCross BlueShield, Kaiser Permanente and United Healthcare in advance of open enrollment for plan year 2021 on DC Health Link, the District of Columbia’s health insurance marketplace.

The four insurance companies filed proposed rates for individuals, families and small businesses for the 2021 plan year. Overall, 188 plans were filed, compared to 181 last year. The number of small group plans increased from 156 to 163, and the number of individual plans remained at 25.

In the middle of a deadly global pandemic which has already killed more than 100,000 Americans and completely disrupted the entire U.S. healthcare system, private insurance carriers still have to go about preparing their annual premium rate change filings for 2021. This is a long, complicated process which begins a good nine months before the new plans and prices are actually enrolled in.

The task of setting 2020 premiums was the first time since the ACA went into effect which was relatively calm for insurance carrier actuaries:

My county-level tracking project continues. I've now plugged in confirmed/official COVID-19 cases and fatalities across 26 states and hope to bring the remaining 24 states (plus the U.S. territories) up to date within the next few days.

Meanwhile, here's how cases have spread on a per capita basis across those 26 states from March 20th until May 23rd. At the high end, I haven't gotten to the worst-hit states yet (New York, New Jersey, Massachusetts & Rhode Island), which wouldn't fit on this chart anyway; at the lower end, once you get below Alabama, there's a cluster of states which are difficult to separate out at this level as they're running so close together.

Just as important as the infection rate itself, of course, is the curve of the line. Louisiana and Michigan were hit hard early on, but seem to be flattening their curves, while states like Minnesota, Iowa and Alabama, which were hit later, are starting to curve upwards now, definitely the wrong direction.

My obsession with tracking COVD-19 cases and fatalities at the county level including the partisan divide continues (and before anyone gets on my case about that, the New York Times just did a massive feature on this exact political angle yesterday, which I'll be writing about tomorrow).

I've made major progress in updating and revising my breakout of COVID-19 cases and fatalities at not just the state level but the county level. Again, I've separates the states into two separate spreadsheets:

Most of the data comes from either the GitHub data repositories of either Johns Hopkins University or the New York Times. Some of the data comes directly from state health department websites.

I hope to fill in the back-data for every state within the next few days, bringing them all up to date. This should allow for plenty of interesting analysis of trends and counties to keep an eye on. It will also allow me to get back to posting more regular ACA policy updates/etc.

As a follow-up to my prior posts about the urban/rural divide of how COVID-19 has spread throughout Michigan, here's a graph which shows how it's spread in Detroit, the larger Metro Detroit area and the rest of the state on a per capita basis over time.

Obviously the probem is still far worse in Detroit and the Metro Detroit area overall...but the case trendlines are starting to flatten in Detroit and Metro Detroit, while it's still increasing at the same rate or higher in the rest of the state.

Oof! I saw this several weeks ago but somehow forgot to actually post about it until now; it's important to note that the May 25th deadline referred to below was just extended until June 23rd:

Massachusetts Health Connector continues extended enrollment as nearly 45,000 people enroll in new plans, update current coverage

April 28, 2020 – The Massachusetts Health Connector continues to help people who need health insurance after losing coverage or income due to the coronavirus, with a May 23 deadline ahead for June 1 coverage.

via Nevada Health Link:

Silver State Health Insurance Exchange enrolls 5,479 during Exceptional Circumstance Special Enrollment Period in Response to COVID-19

Carson City, Nev. – The Silver State Health Insurance Exchange (Exchange), Nevada’s state agency that helps individuals secure budget-appropriate health coverage through the online marketplace and State Based Exchange (SBE) platform, Nevada Health Link, enrolled 6,017 Nevadans during its limited-time Exceptional Circumstance Special Enrollment Period (SEP), March 17 – May 15, including 5,479 new consumer enrollments related to the Exceptional Circumstance Special Enrollment Period, and 538 enrollments due to loss of Minimum Essential Coverage (MEC).

In response to Governor Sisolak’s March 12 Emergency Declaration, the SEP was opened to allow qualified Nevadans who missed OEP to secure health care coverage. Consumers who enrolled on or before April 30 received coverage effective May 1, and consumers who enrolled between May 1 and 15 will have coverage effective June 1, 2020.

Washington State's insurance commissioner's office just announced the state's 2021 Individual Health Insurance Market participants. While they won't be announcing the proposed 2021 premium rate changes until June 1st, there's still several important developments in this press release:

OLYMPIA, Wash. – Fifteen health insurers filed 183 plans for Washington’s 2021 individual health insurance market — with two new insurers entering: UnitedHealthcare of Oregon and Community Health Network of Washington. 

The filings indicate a strong response from health insurers to provide more choice for consumers during the current coronavirus pandemic. They also show that individuals in all counties in Washington will have at least two options for coverage in 2021, a distinct change from recent years.  

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