via the NJ Dept. of Banking & Insurance:

• 9 in 10 people Who Enroll Will Qualify for Savings; Many Pay $10 a Month or Less for Health Coverage

• Residents Can View Available Plans and See if They Qualify for Financial Help Now at GetCovered.NJ.gov

TRENTON — Governor Phil Murphy and New Jersey Department of Banking and Insurance Acting Commissioner Justin Zimmerman today announced that the annual Open Enrollment Period at Get Covered New Jersey (GetCovered.NJ.gov), the state’s Official Health Insurance Marketplace, has begun. Consumers will continue to benefit from historic levels of financial help that remain available and more health plan options with an additional insurance company offering plans on the marketplace.

via the Washington HealthPlan Finder:

From Nov. 1, 2023 – Jan. 15, 2024, Washingtonians can shop for and purchase qualified health and dental plans and secure insurance for 2024. Olympia

Today, Washington Health Benefit Exchange (Exchange) is launching the annual WA HealthPlanFinder open enrollment period, with an offering of 82 health care plans and 12 dental plans that comply with the requirements of the Affordable Care Act. When people shop WA HealthPlanFinder , federal and state subsidies based on income are automatically applied.

via Maryland Health Connection:

Compare 2024 health plans and prices at Maryland Health Connection

BALTIMORE (Nov. 1, 2023) – Marylanders can now enroll in health plans for 2024 at Maryland Health Connection, the state’s health insurance marketplace.

Open enrollment runs from Nov. 1, 2023, through Jan. 15, 2024. Coverage starts Jan. 1, 2024, for plans selected before Dec. 31, and coverage starts on Feb. 1, 2024, for plans selected the first two weeks of January. This open enrollment period is for private plans only. Those who qualify for Medicaid may enroll any time of year.

“Life can feel unpredictable - be it losing a job, losing Medicaid coverage following the end of the public health emergency, moving to Maryland, turning 26 and aging out of your parent’s plan, or deciding to be your own boss.” said Michele Eberle, executive director of the Maryland Health Benefit Exchange. “Maryland Health Connection has free or low-cost plans to give you peace of mind.”

via Access Health CT:

Connecticut residents can shop, compare and enroll in quality health insurance plans from Nov. 1, 2023 through Jan. 15, 2024

HARTFORD, Conn. (Nov. 1, 2023) — Access Health CT (AHCT) today announced the Open Enrollment period will take place Nov. 1, 2023 to Jan. 15, 2024 for health insurance plans for 2024. Connecticut residents can shop, compare, and enroll or renew their health insurance plans with coverage beginning in the 2024 plan year.

Customers must enroll on or before Dec. 15, 2023 for coverage to begin Jan. 1, 2024. Customers who enroll between Dec. 16, 2023 and Jan. 15, 2024 will have coverage starting Feb. 1, 2024.

AHCT is the only place Connecticut residents can qualify for financial help to lower health insurance costs. Open Enrollment gives customers the opportunity to review health coverage options to ensure they are making the best choice that meets their individual needs and budgets.

via Connect for Health Colorado:

DENVER — Open Enrollment for 2024 health insurance coverage starts today in Colorado, and people can expect more savings than ever before due to federal changes and innovative state programs.

Save on Monthly Costs

As the state’s official health insurance marketplace, Connect for Health Coloradois the only place where residents can qualify for and receive financial help for their health insurance.

The American Rescue Plan Act, which passed in 2021 and provides enhanced Advance Premium Tax Credits, is still in effect. That means people can continue to expect a higher level of financial help and people with higher incomes can now qualify. Currently, 77 percent of Connect for Health Colorado customers get financial help to lower the cost of health insurance. This year, three out of five Connect for Health Colorado enrollees will have a plan available to them with a premium of less than $10 per month.

via the New Hampshire Insurance Dept:

New Hampshire Insurance Department Announces the Launch of 2024 Open Enrollment Period for Affordable Care Act Individual Marketplace and Releases 2024 Premium Rates

CONCORD, NH (October 31, 2023) – Today, the New Hampshire Insurance Department (NHID) kicked off the Open Enrollment Period for Granite Staters who are seeking individual health coverage on the Affordable Care Act (ACA) Individual Marketplace. The Open Enrollment Period runs from Tuesday, November 1, 2023, through Sunday, January 15, 2024.

“This is a significant opportunity for Granite Staters who do not have health insurance through their employer, Medicare, or Medicaid to enroll in the Individual Marketplace,” said New Hampshire Insurance Commissioner DJ Bettencourt. “For the fourth consecutive year, the 1332 Waiver has resulted in premiums for the individual market being the lowest in New England, ensuring more individuals have access to the healthcare they need.”

The Ohio Insurance Department does this weird thing where they list all of the carriers offering policies on the individual market and list the weighted average year over year premium change...but they don't list the actual rate increases for each carrier. Fortunately, federal Rate Review site includes the rate changes, and the SERFF database for Ohio includes the actual enrollment numbers for all of the individual market carriers except one.

As a result, I've been able to put together a weighted average requested rate increase for the individual market (I estimated the one missing enrollment number based on the overall Ohio indy market total); it comes in at 7.6%.

For the small group market, I have to go with an unweighted average of +10.8%. It's also worth noting that, once again, Humana appears to be bailing on the entire small group market nationally from what I can tell.

UPDATE 10/31/23: The Ohio Insurance Dept. has posted a summary of the weighted average rate increase for the individual market as being slightly higher than the preliminary requests (+7.8% vs. 7.6%):

Premiums for 2024 are projected to increase compared to 2023 - though individual companies' rates will vary from the average.

Weighted average annual premiums for the individual market for 2024 are projected to be $7,010.20. In 2023 weighted average annual premiums were $6,500.65. - an increase of 7.84%.

The final/approved rates are also now posted at the federal Rate Review website...and they've barely changed at all. Yet the official weighted average is slightly higher than I had estimated earlier.

The same is true of the small group market...only 2 carriers (Medical Mutual and Paramount) had their requested changes modified, and even then it was only by a hair apiece.

Ah, at last, another state which includes both the average requested rate changes for 2024 as well as the number of enrollees each carrier has for both the individual and small group markets in clear, transparent language!

Generally, according to NC Insurance laws, health insurance rates must not be excessive, inadequate, or unfairly discriminatory, and must exhibit a reasonable relationship to the benefits provided in the policy.

Notes:

The 2024 ACA Open Enrollment Period (OEP) is STILL ongoing in 49 states +DC.

This is the best OEP ever for the ACA for several reasons:

• The expanded/enhanced premium subsidies first introduced in 2021 via the American Rescue Plan, which make premiums more affordable for those who already qualified while expanding eligibility to millions who weren't previously eligible, are continuing through 2025 via the Inflation Reduction Act;

• A dozen states are either launching or expanding their own state-based subsidy programs to make ACA plans even more affordable for their enrollees;

• Millions more Americans who weren't previously eligible for ACA subsidies (even with the expanded ARP/IRA enhancements) are now eligible via the Biden Administration's closure of the so-called "Family Glitch."

And remember, millions of people will be eligible for zero premium comprehensive major medical policies.

If you've never enrolled in an ACA healthcare policy before, or if you looked into it a few years back but weren't impressed, please give it another shot now. Thanks to these major improvements it's a whole different ballgame.

Here's some important things to know when you #GetCovered for 2024:

Every year I pore over hundreds of annual health insurance policy rate filings from carriers participating in the individual and small group markets, attempting to run weighted average rate changes on a state-by-state level. I then compile all 50 states (+DC) into a national weighted average rate change table.

I generally do this twice for every state: First, over the spring and summer, I crunch the numbers for the carriers preliminary rate change requests. These are submitted to the state regulatory authorities (or in a few cases, federal regulators), who run their own actuarial analysis and then either approve the requests as is, lower the requested rates or (in a few cases) even raise rates more than requested, since part of the regulators job is to ensure that the insurance carriers have enough cash flow to actually pay their claims over the upcoming year.

In some cases, the carriers actually resubmit revised filings later on in the summer if there's some material change to their finances, the marketplace or other policies which change their analysis.