Idaho

The Idaho Insurance Dept. has posted the preliminary rate filings for the 2021 Individual and Small Group markets:

The Department of Insurance receives preliminary health plan information for the following year from insurance carriers by June 1 and reviews the proposed plan documents and rates for compliance with Idaho and federal regulations. The Department of Insurance does not have the authority to set or establish insurance rates, but it does have the authority to deem rate increases submitted by insurance companies as reasonable or unreasonable. After the review and negotiation process, the carriers submit their final rate increase information. The public is invited to provide comments on the rate changes. Please send any comments to Idaho Department of Insurance.

On April 14th, I noted that Idaho, which had previously refused to join the twelve other state-based ACA exchanges in launching an "open" COVID-19 specific Special Enrollment Period (i.e., open to any uninsured resident regardless of reason) announced that going forward, they were modifying their regular SEP rules somewhat:

If You Need Health Insurance, Your Health Idaho is Here to Help

...In partnership with the Idaho Department of Insurance and Idaho insurance providers, and in alignment with Governor Little’s initiative to reduce regulations, Your Health Idaho is working to relax the requirements for eligible Idahoans to enroll in coverage.

Back on March 23rd, I noted that while every other state-based ACA exchange has launched an official COVID-19-specific Special Enrollment Period, there are two ACA exchanges which have refused to do so. One of them is the mothership, HealthCare.Gov, which is run by the Centers for Medicare & Medicaid (CMS) and which hosts a whopping 38 states. The other one is Your Health Idaho:

I contacted the exchange last week to see what the deal was re. a COVID-19 SEP and they kicked the ball over to the state Insurance Dept:

COVID-19 (coronavirus) is not currently considered grounds for a Special Enrollment Period in Idaho. Questions around the potential offering of an SEP would be best answered by the Idaho Department of Insurance. This really falls within their regulatory authority. YHI will follow their guidance and support whatever decision is made.

I did indeed contact the Idaho DOI, but I didn't hear back from them until today. Here's what they had to say:

For a couple of weeks now, I've been posting constant updates as one state-based ACA exchange after another has announced a COVID-19-specific Special Enrollment Period in light of the ongoing pandemic crisis. Until now, though, there's been two ACA exchanges which haven't made such an announcement. One is the Big One, HealthCare.Gov, which hosts a whopping 38 states and which is facing increasing pressure to do so.

The other...is Idaho. Specifically, Your Health Idaho, the state's ACA exchange.

via KIVI Boise:

The number of Idaho residents who have signed up for Medicaid under the state’s voter-approved expanded coverage has passed 60,000.

The Idaho Department of Health and Welfare posted updated numbers Thursday. The agency estimates 91,000 residents meet requirements.

Coverage started January 1, but enrollment is year-round. Those who sign up for Medicaid will be covered for doctor visits that occurred earlier in the same month.

Voters authorized Medicaid expansion in 2018 with an initiative that passed with 61% of the vote after years of inaction by state lawmakers. In 2019, lawmakers added restrictions requiring five waivers from the U.S. Department of Health and Human Services.

Waivers are required when states want to deviate from Medicaid rules. Federal officials have yet to approve any of Idaho’s requested waivers.

If the anticipated 91,000 people do eventually sign up, it would cost Idaho about $400 million, with the federal government paying 90%.

This Just In via email...

Your Health Idaho enrolls 89,000 Idahoans for 2020 health insurance coverage

  • Idaho exchange sees increase in new customers as overall enrollments decline amid Medicaid expansion

BOISE, Idaho – More than 89,000 Idahoans signed up for 2020 health insurance coverage through the state insurance exchange, Your Health Idaho, during open enrollment which ended Dec. 16, 2019.

Enrollments are down approximately 14,000 from the same time last year. This decline is largely due to Medicaid expansion and was expected by the exchange. Your Health Idaho originally estimated that around 18,000 individuals would move from the exchange to Medicaid under the newly expanded program. 

Your Health Idaho, the states' ACA exchange, reminds residents who completed their enrollment applications that they still have until midnight tonight to actually select a policy:

Last chance to #GetCovered!
For those Idahoans who submitted an application for 2020 health insurance coverage by December 16, you have one more day to pick a plan! Do not wait! Find your perfect plan today at YourHealthIdaho.org!

— Your Health Idaho (@YourHealthIdaho) December 23, 2019

In most states, the 2020 Open Enrollment Period deadline is midnight on Sunday, December 15th. In a few states, the deadline is as late as January 31st.

And then there's Idaho. Via Your Health Idaho, the state's ACA exchange:

Deadline to apply for 2020 health insurance is December 16
Your Health Idaho extends hours to support increased interest

BOISE, Idaho – Idahoans seeking 2020 health insurance coverage must complete their application through the state insurance exchange, Your Health Idaho, by Monday, Dec. 16. In anticipation of increased interest and high demand, Your Health Idaho is extending customer support hours through December.

Your Health Idaho will be open Monday through Friday, December 9-20, from 7 a.m. to 8 p.m. MT. Phone lines will also be open Saturday, Dec. 14, and Saturday, Dec. 21, from 10 a.m. to 4 p.m. MT.

Your Health Idaho doesn't post presse release very often, but when they do it's usually helpful info:

Open Enrollment for Idaho is coming to a close, don’t miss out on enrolling in an affordable health insurance plan! You can set up an account, shop for plans, and apply for coverage online. Visit Apply and Enroll for more information. No computer? No problem. To apply over the phone or to request a paper application, call Your Health Idaho at 1-855-944-3246.

We’re Here to Help!

Your Health Idaho will have extended hours throughout December*:

  • December 1 – 6: 7am – 7pm
  • December 9 – 13: 7am – 8pm
  • December 14 (Saturday): 10am – 4pm
  • December 16 – 20: 7am – 8pm
  • December 21 (Saturday): 10am – 4pm

This is the perfect opportunity for those Idahoans who were unable to reach us during the busy work week.
*All times are in Mountain Time Zone.

What is an Open Enrollment Period?

UPDATE: Well what do you know? Less than a day after Kliff wrote her story on the BYU-Idaho situation, they've already reversed their stance! Bravo for her!

BYU-Idaho, the school @sarahkliff reported would not allow its students to enroll in Medicaid, sent this email to students reversing its decision, per my DMs pic.twitter.com/jEuIu9K1KT

— Dylan Scott (@dylanlscott) November 26, 2019

Original story below...

I heard about this story a couple of weeks ago but didn't get around to writing about it until today. Via Twitter:

Students of the BYUs: might want to start making some noise: the Church Board of Ed just decided that they won’t accept Medicaid as a provider for their student health insurance requirement. The week IDaho expanded Medicaid too. Catch 22? DMBA doesn’t count for ACA requirement.

via the Idaho Statesman:

About 35,000 Idaho residents have signed up for Medicaid under expanded coverage in the first few days it has been offered, state officials said Monday.

The Department of Health and Welfare said that's more than a third of the estimated 91,000 people who are eligible. The agency started taking applications Friday, and it is tracking numbers on its website.

That's the good news. Of course, Republican legislators couldn't leave well enough alone:

Voters authorized Medicaid expansion last year with an initiative that passed with 61% of the vote after years of inaction by state lawmakers. But lawmakers earlier this year added restrictions requiring five waivers from the U.S. Department of Health and Human Services' Centers for Medicare and Medicaid Services.

...Most recently, Idaho last month submitted a waiver requiring patients to get referrals from primary physicians before they can get family planning services such as birth control, abortions or pregnancy care.

via Your Health Idaho:

  • Open Enrollment for health insurance in Idaho begins November 1
  • New for 2020, Medicaid expansion could affect eligibility

BOISE, Idaho – Open Enrollment for 2020 health insurance coverage begins Nov. 1 and runs through Dec. 16. During this time, Idahoans can shop, compare, and enroll in a plan through the state health insurance exchange, Your Health Idaho.

A total of 116 medical and 13 dental plans from six participating insurance carriers are available at Your Health Idaho for 2020. Your Heath Idaho Executive Director, Pat Kelly, urges those seeking coverage to use the comparison tool and consider their options, as plans can vary by county.

“In 2020, every county in the state has at least three insurance carriers to choose from, and most have four. At YourHealthIdaho.org, not only can Idahoans shop and compare plans side-by side, but they can also search for provider networks and prescription drug coverage to make sure the plan they purchase really works for them,” Kelly said.

I'm not sure how this slipped by me, but in addition to Covered California already having launched their 2020 Open Enrollment Period yesterday, five other state-based ACA exchanges are already partly open as well. That is, you can shop around, compare prices on next year's health insurance policies and check and see what sort of financial assistance you may be eligible for:

I'm not sure when the other 7 state-based exchanges will launch their 2020 window shopping tools, nor do I know when HealthCare.Gov's window shopping will be open for the other 38 states, although I believe they usually do so about a week ahead of the official November 1st Open Enrollment Period launch date.

Not much to see here...in August, the Idaho Insurance Dept. posted their preliminary 2020 average rate changes for the individual & small group markets; they averaged 7.0% and 4.0% increases respectively. Today they've posted the final/approved rates, and the indy numbers have been whittled down ever so slightly:

(SIGH) OK, apparently the Kaiser Family Foundation has been working on the same project as I have for the past couple of weeks, so this is no longer "exclusive"...ah, well...

MLR rebate payments for 2018 are being sent out to enrollees even as I type this. The data for 2018 MLR rebates won't be officially posted for another month or so, but I've managed to acquire it early, and after a lot of number-crunching the data, I've recompiled it into an easy-to-read format.

But that's not all! In addition to the actual 2018 MLR rebates, I've gone one step further and have taken an early crack at trying to figure out what 2019 MLR rebates might end up looking like next year (for the Individual Market only). In order to do this, I had to make several very large assumptions:

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