Nevada

As I noted last year, the Nevada Insurance Dept. website is both helpful and frustrating when it comes to tracking down the type of data that I need. On the one hand they make it very easy to view the individual & small group market rate filing summaries: Carrier names, markets, sumission dates, status, effective dates and most importantly, the proposed and approved average rate changes are all easily found.

On the other hand, they don't actually link to the filing memos or URRT forms, which means I can't find the actual effectuated enrollment numbers for each carrier, the impact of COVID-19 on each carrier's request or other noteworthy info about the filings. Oddly, they do include the SERFF tracking numbers...except that plugging those into the SERFF database still doesn't bring anything up, which kind of defeats the point.

Fortunately, the NV DOI does provide the weighted average of the entire market and COVID-19 impact elsewhere. I've also been able to piece together the total market enrollment (both on & off-exchange) using some other public data.

via the Nevada Health Link. This is from a couple of weeks ago, but still:

Nevada Health Link Announces Licensed Broker/Agent,
Navigator and In-Person Assister Recipients of Grant Program for Plan Year 2021

Carson City, Nev. –The Silver State Health Insurance Exchange (Exchange), the state agency that connects Nevadans to qualified health plans (QHPs) through the online State Based Exchange (SBE) known as Nevada Health Link, announces the licensed Brokers/Agents, Navigators and In-Person Assisters selected as part of its plan year 2021 grant program. The program is designed to help close the uninsured gap in Nevada by helping those on the frontline to more effectively market to uninsured and underinsured populations.

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.

via Nevada Health Link:

10 days remain to enroll in a Qualified Health Plan through Nevada Health Link during the Exceptional Circumstance Special Enrollment Period

WHAT: Nevadans have 10 days remaining to enroll in a Qualified Health Plan through Nevada Health Link, the online health insurance marketplace operated by the state agency, the Silver State Health Insurance Exchange (Exchange), which announced an Exceptional Circumstance Special Enrollment Period (SEP) in March for qualified Nevadans who missed the Open Enrollment Period (OEP). The SEP, originally introduced in response to Governor Sisolak’s March 12th Emergency Declaration, runs through May 15. Consumers who enroll by May 15 will have coverage effective June 1, 2020.

As I expected, the Nevada Health Link board just extended their existing #COVID19 Special Enrollment Period deadline out until May 15th:

The @NVHealthLink Board of Directors just approved of an extension to our Exceptional Circumstance Special Enrollment Period through May 15, 2020. If you or anyone you know needs insurance NOW is the time to get connected - https://t.co/7szDKShOd7 or call us at 1-800-547-2927 pic.twitter.com/Jlbpm2QXEw

— Heather K. (@HKORB) April 13, 2020

Silver State Health Insurance Exchange Extends Exceptional Circumstance Special Enrollment Period on Nevada Health Link

UPDATE 4/13: As I expected, the Nevada Health Link board just extended their existing #COVID19 Special Enrollment Period deadline out until May 15th:

The @NVHealthLink Board of Directors just approved of an extension to our Exceptional Circumstance Special Enrollment Period through May 15, 2020. If you or anyone you know needs insurance NOW is the time to get connected - https://t.co/7szDKShOd7 or call us at 1-800-547-2927 pic.twitter.com/Jlbpm2QXEw

— Heather K. (@HKORB) April 13, 2020

ORIGINAL STORY:

As I expected, Nevada Health Link is onboard as well:

via the AP:

Nevada’s most influential union is sending a subtle message to its members discouraging support for Bernie Sanders and Elizabeth Warren over their health care stances even though the union has not yet decided if it will endorse a candidate in the Democratic presidential race.

The casino workers’ Culinary Union, a 60,000-member group made up of housekeepers, porters, bartenders and more who work in Las Vegas’ famed casinos, began distributing leaflets in employee dining rooms this week that push back against “Medicare For All,” the plan from Sanders and Warren to move to a government-run health insurance system.

The leaflet said “presidential candidates suggesting forcing millions of hard working people to give up their healthcare creates unnecessary division between workers, and will give us four more years of Trump.

Health care is one of the biggest issues for the union, whose members have fought and negotiated for robust plans.

This Just In from Nevada Health Link:

Nevada’s State Based Exchange Announces Enrollment Figures for Plan Year 2020

Carson City, Nev. – The Silver State Health Insurance Exchange (Exchange), Nevada’s state agency that helps individuals get connected to budget‐appropriate health coverage through the online marketplace, Nevada Health Link, enrolled 77,410 Nevadans during Open Enrollment for Plan Year 2020. The Exchange's seventh Open Enrollment Period ended Dec. 15, 2019 and included an extension for consumers who started the enrollment process on or before Sunday, Dec. 15 to complete their application by Friday, Dec. 20.

I actually already reported this yesterday, but it's good to have the formal press release as well, which includes additional details:

Nevadans Who Started Their Enrollment Applications on or Before the Dec. 15 Deadline Have Until Dec. 20 to Complete Applications for Coverage that Begins on Jan. 1 2020

Carson City, Nev. – The Silver State Health Insurance Exchange (Exchange), Nevada’s state agency that helps individuals obtain budget-appropriate health coverage through the online marketplace, Nevada Health Link, has extended its Open Enrollment deadline to 11:59 p.m. PST Friday, Dec. 20 for consumers who started the application process on or before the Dec. 15 midnight Open Enrollment deadline.

"We recognize the enrollment process for health insurance can be time-consuming. That’s why we are giving consumers five extra days to complete their application to purchase plans for coverage that begins Jan. 1, 2020," said Heather Korbulic, executive director, Silver State Health Insurance Exchange.

via Nevada Health Link:

Less Than Two Weeks Remain To Enroll In A Qualified Health Plan Through Nevada Health Link

  • Free enrollment assistance available; Weekend call center hours extended for duration of Open Enrollment

Las Vegas, NV - The clock is ticking with only 13 days left to enroll before the December 15th midnight deadline approaches. Nevadans can find coverage in a Qualified Health Plan (QHP) and Qualified Dental Plan (QDP) through Nevada Health Link, the online insurance marketplace operated by the state agency, Silver State Health Insurance Exchange – and the only place consumers can get financial assistance (subsidies) to help offset the cost of insurance.

To ensure consumers have as much access to help with the enrollment process, Nevada Health Link's call center has extended its weekend hours through the end of Open Enrollment on December 15. The call center will be open 9 a.m. to 5 p.m. PST on Saturday, Dec. 7, Sunday, Dec. 8, and Saturday, Dec. 14 and will remain open until 11:59 p.m. PST on Sunday, Dec. 15.

via KLAS-TV:

CARSON CITY, Nev. (KLAS) — Nearly 60,500 Nevadans have enrolled in a Qualified Health Plan for plan year 2020 since open enrollment began on Nov. 1.

The Silver State Health Insurance Exchange, which runs online insurance marketplace Nevada Health Link, announced these numbers just 15 days into the enrollment period.

Nevada Health Link migrated 65,563 Nevadans from HealthCare.gov onto the State Based Exchange platform at NevadaHealthLink.com.

“At exactly one-third of the way into open enrollment, we are enthusiastic about the level of engagement we’ve seen from consumers and brokers,” said Heather Korbulic, executive director of Silver State Health Insurance Exchange, in a press release. “While we still have work to do to reach the uninsured populations throughout our state, we remain optimistic that we will see enrollment numbers continue to rise throughout the duration of this enrollment period.”

The agency says this is the first year Nevada Health Link will no longer rely on HealthCare.gov after the transition began in 2018.

via the ALL-NEW Nevada Health Link:

Nov. 1 kicks off the Plan Year 2020 Open Enrollment Period. By now, we hope you’ve had a chance to explore the new website, and if you’re a returning customer, you’ve probably already claimed your account. Still have questions? No worries. We’ve compiled a list of the most frequently asked questions (FAQs) to make shopping for a qualified health plan through Nevada Health Link as seamless as possible.

What is Nevada Health Link?

Run by the state agency: Silver State Health Insurance Exchange, Nevada Health Link is Nevada’s online marketplace where eligible Nevadans can shop for, compare and purchase Affordable Care Act-compliant health insurance plans that fit their needs and budget.  Check out our video.

I’m a returning Nevada Health Link customer. What do I need to do to get ready for Plan Year 2020 Open Enrollment?

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.

In early August, the Nevada Dept. of Insurance posted the state's preliminary 2020 individual market rate changes. The data was a bit incomplete and confusing, but the bottom line is that average unsubsidized 2020 premiums were only expected to increase about 1.0%.

Today they posted the final/approved rate changes, and unlike most states, the overall weighted average will be slightly higher than the original numbers...although only by a hair:

Nevada Division of Insurance reveals approved 2020 Health Insurance Rates

Carson City, NV – The Division of Insurance (‘Division”) has posted the approved 2020 health insurance rates for all plans in the Individual Health Insurance Market at healthrates.doi.nv.gov and encourages consumers to review this information before the Open Enrollment Period begins.

HealthCare.gov incorrectly sent out open enrollment notices

LAS VEGAS (KLAS) — In a statement issued by Nevada Health Link, the organization announced that it had become aware that the Federal Health Insurance Marketplace, known as HealthCare.gov had incorrectly sent notices to Nevada consumers regarding the upcoming open enrollment period.

The incorrect notices were sent to Nevada consumers via mail, email and through notices on the HealthCare.gov portal.

"These notices from the Marketplace were sent in error. Nevadans who received these notices from the Marketplace should be aware that NevadaHealthLink.com is the only place to get enrolled in a qualified health plan during the next open enrollment period beginning on November 1, 2019," said Heather Korbulic, Executive Director for the Silver State Health Insurance Exchange.

Nevada consumers are asked to reach out to the Nevada Health Link consumer assistance center for further questions by calling 1-800-547-2927.

Not much to add here.

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