Minnesota

2018 MIDTERM ELECTION

Time: D H M S

Amazing. Even with things ramping up for #OE2 (Open Enrollment Period 2), and even with the midterm elections overwhelming everything for the past few weeks, Minnesota continues to quietly plod along, racking up the ACA enrollments along the way:

Latest Enrollment Numbers 

November 4, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 233,194
MinnesotaCare 80,111
Qualified Health Plan (QHP) 55,813
TOTAL 369,118

That total figure is 5,893 higher than it was a week ago, with the QHPs up 183 and Medicaid/MinnesotaCare up another 5,710.

Onward...

Minnesota's exchange (called MNsure and pronounced to rhyme with "insure") has had it's share of technical problems, but they haven't been nearly as bad as the 4 state-run exchanges undergoing full overhauls (OR & NV are scrapping theirs entirely; MA & MD started over from scratch). They got hit with some bad news recently when the largest insurer on the exchange decided to bail, although that appears to have had more to do with that company's poor business decisions than anything on MNsure's side.

However, they've continued to keep chugging along, quietly adding more enrollees to both private QHP policies (via qualifying life events) as well as Medicaid and MinnesotaCare (neither of which have any deadlines involved). Most relevant to myself, they're also the only exchange which has continued to provide consistent, regular enrollment data updates on a near-daily basis, which is manna from heaven from my POV.

Only 66 more QHPs added over a 4 day period, but nearly 1,800 more added to either Medicaid or MinnesotaCare:

latest enrollment numbers 

October 26, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 228,825
MinnesotaCare 78,770
Qualified Health Plan (QHP) 55,630
TOTAL 363,225

As we head into the final few weeks before the 2nd Open Enrollment period, it looks like MNsure is the only state which is left posting regular off-season enrollment updates. Things are definitely tapering off (only 113 new QHPs over the past 6 days & 3,294 added to Medicaid/MinnesotaCare), but that's still over 3,400 more people with coverage.

latest enrollment numbers 

October 22, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 227,476
MinnesotaCare 78,321
Qualified Health Plan (QHP) 55,564
TOTAL 361,361

Things may be slowing down, but some people are still enrolling in 2014 QHPs just 1 month before the 2015 enrollment period opens; 162 Minnesotans from 10/8 - 10/16. In addition, Medicaid/MinnesotaCare has jumped by over 7,000 people:

latest enrollment numbers 

October 16, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 224,891
MinnesotaCare 77,612
Qualified Health Plan (QHP) 55,451
TOTAL 357,954

Things are definitely tapering off as we come up to the new open enrollment period; Minnesota only added 46 more QHP enrollees in the past week, and just 2,087 more people to either Medicaid or MinnesotaCare. However, this does mean that the MNsure exchange has crossed the 350,000 total milestone:

latest enrollment numbers 

October 7, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 219,217
MinnesotaCare 76,275
Qualified Health Plan (QHP) 55,289
TOTAL 350,781

On the one hand, I've been expecting the daily QHP enrollment rate to drop off nationally as we approach November 15th; anyone who isn't truly desperate for coverage is likely to hold off at this point even if they do have a qualifying life event, given the numerous changes in companies, policies and rates which are going to be available. On the other hand, my "9,000 per day" estimate has always been a bit closer to the low end of the range (7,900 - 10,500 per day at the moment), so I have some wiggle room in this final month anyway.

Minnesota continues to quietly crank along as we enter the 2nd year of MNsure:

latest enrollment numbers 

October 5, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 217,535
MinnesotaCare 75,870
Qualified Health Plan (QHP) 55,243
TOTAL 348,648

Note that I'm not really even bothering to keep the Off-Season Projection Chart updated anymore; we're close enough to the 2nd Open Enrollment period that it seems a bit silly to bother (heck, I've already projected the graphs out through 11/15 anyway).

It may seem a bit pointless to keep posting 2015 premium rate changes now that we're only 6 weeks away from the Open Enrollment period anyway (everyone will find out soon enough at this point), but the BS is still flying fast & furious, and the topic seems especially relevant in Minnesota's case since the largest insurer on the 2014 exchange, PreferredOne, has pulled out for Year Two:

Minnesota officials say the average rate for policies sold on the state health insurance exchange next year will go up 4.5 percent.

But, they say Minnesotans will still have access to the lowest average rates in the nation.

The five companies participating in the exchange range from dropping their averages by 10 percent to hiking them more than 17 percent.

They declined to say which companies are raising rates and which are lowering them.

BluePlus joins Blue Cross Blue Shield, HealthPartners, Medica and UCare this year.

Unfortunately, not only is there no way of doing a weighted average here since the current enrollees for the various plans aren't listed, I can't even post which companies are increasing or decreasing their rates. Ah, well.

Yes, I know I just updated Minnesota 2 days ago, and no, the latest numbers aren't terribly significant increases, but given that MN is the only state which has been consistently updating their data almost daily, with a nice simple breakout between QHPs, Medicaid and MinnesotaCare (a sort of quasi-Medicaid/QHP hybrid allowed for by the ACA), I figured I owed it to them to provide an update which matches their numbers up precisely with Day 365...exactly 1 year to the day since the exchanges launched last October:

enrollment update

latest enrollment numbers 

September 30, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 214,071
MinnesotaCare 75,013
Qualified Health Plan (QHP) 55,148
TOTAL 344,232

QHPs are up another 183, Medicaid 5,242 and MinnesotaCare (which is a little bit like high-end Medicaid, from what I can tell) is up another 1,160 over the past 7 days:

latest enrollment numbers 

September 28, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 212,331
MinnesotaCare 74,609
Qualified Health Plan (QHP) 55,001
TOTAL 341,941

One of last week's big ACA stories was the news that the largest insurance company on Minnesota's exchange, PreferredOne, was dropping out of MNsure.

ACA critics pounced all over this news as Yet More Proof That Obamacare Is Failing®, even though pretty much every "proof" they've presented to date has turned out to be nonsense or, at best, vastly exaggerated (never mind, either, the fact that overall, 77 new insurers are joining the ACA exchanges while only 15 are dropping out, for a net gain of 62 companies nationally).

Minnesota's QHP numbers continue to quietly rise slowly despite the news last week that the MNsure's largest participant, PreferredOne, is pulling out of the exchange for year two. Meanwhile, their Medicaid number is up another 6,541, and MinnesotaCare (which isn't actually Medicaid proper, but is sort of a quasi-Medicaid-like program allowed for & funded by the Affordable Care Act) is up 1,489.

I've generally sort of lumped Medicaid and MinnesotaCare together, but it's worth noting that the successful addition of 73.4K people to MinnesotaCare is one of the main reasons for PreferredOne pulling out of the exchange in the first place.

latest enrollment numbers 

September 21, 2014

Health Coverage Type Cumulative Enrollments
Medical Assistance 207,089
MinnesotaCare 73,449
Qualified Health Plan (QHP) 54,818
TOTAL 335,356

Ouch. While most states are seeing their list of insurance providers increasing this year, in a few cases some are dropping out...and in the case of Minnesota, it's the one with 59% of current enrollees:

The insurer with the lowest rates and most customers on Minnesota's health care exchange is pulling out.

Golden Valley-based PreferredOne this morning confirmed its exit from MNsure. It comes as a major blow to the exchange — the next open enrollment period starts Nov. 15 and runs through Feb. 15.

MNsure officials said the online insurance exchange would reach out soon to PreferredOne customers who bought coverage through MNsure last year with information on next steps.

They said consumers still have at least four, well-known, Minnesota-based carriers "who are committed to providing important health coverage" to everyone, including people who qualify for tax credits and public programs.

...According to a company statement, MNsure policies make up only a small percentage of PreferredOne's entire enrollment but take up a significant amount of resources to support.

Old Reliable Minnesota comes through again...

latest enrollment numbers

September 14, 2014

Health Coverage Type Total Enrollments
Medical Assistance 200,548
MinnesotaCare 71,960
Qualified Health Plan (QHP) 54,646
TOTAL 327,154

 

That's 156 more QHPs in the past 6 days, and 5,681 more added to Medicaid:

latest enrollment numbers

September 8, 2014

Health Coverage Type Total Enrollments
Medical Assistance 196,027
MinnesotaCare 70,893
Qualified Health Plan (QHP) 54,510
TOTAL 321,430

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