Charles Gaba's blog

Yesterday morning's big news, of course, was that the Federal ACA exchange (covering 36 states) is now up to over 1.1 million private healthcare plan enrollees. Today brings 4 new state-level updates...and a teaser for two others you probably weren't expecting to see.

New York:
Today's big news is in New York, which announced that they're up to a total of 241,522 enrollees in either private plans or Medicaid/SCHIP expansion. They haven't broken out the number yet, but based on the split in the previous update (156K private, 58K Medicaid/SCHIP) I'm going with a 73% private / 27% Medicaid split until more specific info is released. This increases NY's private enrollments to 176K, up 20K from last week. h/t to Buenaventura for being the first to notify me.

Connecticut:
Connecticut issued a formal press release which includes their final 12/23 deadline enrollment tally for 1/1/14 plan coverage. The total is only slightly higher than what I had (34,295 instead of 34,000 even); the noteworthy part of the announcement is that they've confirmed ACASignups.net's declaration of CT as the first state to surpass their original CBO enrollment projection. CBO had them achieving 33,000 private enrollments by 3/31/14; instead they've managed to break through that number in less than half the 6-month enrollment period. Given the poor October performance of the ACA exchanges as a whole, this is an amazing development.

OK, exhausted from the frenzy of activity today, but I did want to get one issue cleared up as best as I could. There's a lot of confusion about the "3.1 million young adults on their parents plan" figure which is mentioned on the graph but not referred to in the spreadsheet itself.

The 3.1 Million figure comes from a CNN Money article from June 2012. According to that article, the comparable number a year earlier (June 2011) was 2.5 million, so it's safe to assume that this number has only gone up further in the past 18 months.

However, according to the Kaiser Family Foundation (h/t to "Nadeem" for the heads up), the actual number may be even higher; see this story from October of this year, which cites, in turn, a 2013 tracking survey by the Commonwealth Fund which lists the number as far higher: 7.8 Million:

There is concern that many young adults (ages 19–29) will remain without health insurance in 2014 despite the Affordable Care Act’s reforms, including subsidized private coverage offered in new state marketplaces and expanded Medicaid eligibility. How things turn out will likely depend on outreach efforts and states’ decisions on expanding Medicaid. Commonwealth Fund Health Insurance Tracking Survey data from 2011 and 2013 show increasing awareness among young adults of the 2010 requirement that health plans cover chil- dren under age 26. Of the estimated 15 million young adults enrolled in a parent’s plan in the prior 12 months, 7.8 million would not likely have been eligible to enroll prior to the law. Still, only 27 percent of 19-to-29-year-olds are aware of the marketplaces. Meanwhile, most uninsured young adults living below poverty will not have access to subsidized public or private insurance in states opting out of the Medicaid expansion. 

Given the craziness of the past few days, I haven't had a chance to check into this further, but assuming it checks out, it certainly looks like 7.8 million is the more appropriate number to use. Of course, if I do change it from 3.1 to 7.8 I'll no doubt be accused of making up phantom numbers, so I'll have to double-check before proceeding.

OK, I wasn't really planning on setting this site up as anything more than an embedded Google Spreadsheet, but along with the spike in ACA enrollments over the past 2 weeks has also come a similar spike in website traffic and exposure. Over the past few days, I've been linked to and/or cited by major media outlets including Forbes, New York Magazine and, most notably, the Washington Post, so I figured it was time to organize and tidy up things a bit.

I also wasn't planning on launching the new version of ACASignups.net until January 1st, but given this morning's announcement that the Federal healthcare exchange (Healthcare.Gov) has topped 1.1 million enrollments (h/t to David S. for the heads up!)--which in turn brings the overall total of private plan enrollments to over 2 million--I decided to go ahead and launch it a bit earlier than expected.

So, as you can see, I'm still scrambling to get the new digs ready. I'm separating out the visual enrollment graph from the spreadsheet itself, and will be back-porting my older blog entries from Daily Kos and Eclectablog over here (don't worry, I'll still be cross-posting there as well). I also still have to add the FAQ and other resource links.

Perhaps the most important functional addition, however, is the new Submit an Update form. I have a dozen or so people who have been sending me updates for one state or another until now, but their method of getting it to me has been inconsistent. I hope this new form will give everyone a single place to send the latest state or federal exchange enrollment numbers. Of course, there's always the chance that someone will try and flood me with junk links or vitriol; if that happens I'll have to rethink this feature.

In the meantime, thanks for your interest and support, and keep an eye on the site for more info in the coming days.

Noteworthy mainly because this is the only case other than Washington State where a breakdown between paid and unpaid enrollments is being given.

Update: As of the 12/23/13 deadline to enroll, 12740 consumers confirmed QHP selections, 6219 have paid. Payment deadline is 12/30/13.

  • First it was "No one can get on the website!"
  • Then it was "OK, the site is loading but no one can create an account!"
  • Then "OK, you can create an account but no one can view the plans!"
  • Then "OK, you can view the plans but no one can fill out their application!"
  • Then "OK, you can apply but no one can actually enroll!"
  • Then "OK, it works now, but no one bothering to do so anymore!"
  • Then "OK, (a lot of) people are enrolling, but none of the data is being transferred to the insurance companies!"
  • And now that we've hit over 1.8 million private enrollments, the new attack is:

"FINE, a lot of people have ENROLLED, but how many have actually *PAID*???"

Here's a simple 2 part response:

1. Actually, Washington State DOES break enrollments out between "enrolled but not paid" and "enrolled and paid". In their case, about 48% of their 134,000 private plan enrollees have fully paid. Assuming this is a typical spread across the other states, it should be roughly 875,000 enrollees who have paid already.

Washington State (h/t ArcticStones):

Enrollments in private health plans on Healthplanfinder, the state’s online insurance marketplace, surged past 65,000 as applicants hustled to beat the Monday night deadline for coverage beginning Jan. 1, Washington Health Benefit Exchange officials reported Tuesday. Nearly 69,000 others have completed the enrollment process, but haven’t arranged payment, and another group of undetermined size has begun applications that are in varying stages of completion. ... As of Monday at midnight, about 100,800 people newly eligible for health insurance through the state’s expanded Medicaid program had signed up. Almost half of those were transferring from the now-discontinued Basic Health program or were presumed qualified for a federal assistance program for the disabled. An additional 47,500 enrollments were from those who previously qualified for Medicaid under the old rules — primarily children — but had not been signed up. And more than 88,000 people already covered by Medicaid renewed their eligibility.

For private enrollments, Washington is the only state that distinguishes between "enrolled but not paid yet" and "enrolled and first month's premium paid"; every other state, and the HHS, counts you as being enrolled even if you haven't actually paid yet, so that's the criteria I use, although I did separate out the other 69K on the spreadsheet. For Medicaid, I'm not counting the 88K since they were just renewals, but the 47.5K do count since they appear to fall into the category of people who were already qualified but didn't know about it until the ACA and the state exchange. In addition, as in several other states, another 47,000 people are being automatically transferred over to Medicaid proper from an existing state program; this is one of the "orange cells" on the spreadsheet. Also, h/t to sulthernao, who found the actual WA exchange source that gives the precise numbers.

The article is a bit confusing, but it looks like 15,800 belong in the "Private Exchange" category with another 29,200 under the "Small Business (Direct)" category which doesn't even exist on the spreadsheet yet. I'll have to review this further to get a straight answer, but for now I'm entering both numbers under the "Private Exchange" heading.

The delayed deluge of applications — 5,000 were filled out in the past four days — brings the total number of Vermonters who should be settled with their coverage at the start of 2014 to 45,000, the administration says.

That’s roughly two-thirds of the 65,000 Vermonters whose insurance expires at the start of the year. Another 9,300 people have three months worth of breathing room — their plans have been extended through March 31, either because their employers chose that route or because the payment piece of the website isn’t working for them.

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