2020 OPEN ENROLLMENT ENDS (most states)

Time: D H M S

New York

Assistors Available On-Site at Winter Markets Across the State

ALBANY, N.Y. (December 3, 2019) – NY State of Health, the state’s official health plan Marketplace, today announced its continued partnership with NYS Department of Agriculture and Markets in an effort to educate shoppers at farmers markets throughout New York State about low-cost, high-quality health coverage during the Open Enrollment Period.

Consumers must enroll by December 15, 2019 for coverage beginning January 1, 2020. Certified Enrollment Assistors will be available leading up to the December 15 deadline at select markets to answer any questions about enrolling in a health plan through the Marketplace and to set up enrollment appointments. In addition, NY State of Health educational materials will be available at select farmers’ markets across the state. This is the fourth year of the NY State of Health-NYS Department of Agriculture and Markets partnership.

Smart idea via the NY State of Health ACA exchange:

Increased Visits to Food Pantries During Holiday Season Provide Opportunity to Reach Uninsured New Yorkers

ALBANY, N.Y. (November 25, 2019) – NY State of Health, the state's official health plan Marketplace, today announced its partnership with food pantries for the third holiday season to educate consumers about enrolling in high quality, affordable health insurance. Food pantries across New York will have certified enrollment assistors on-site throughout November and December to answer questions about health coverage options and how to enroll in a health plan. This year, the Marketplace is also offering eligible New Yorkers the option to receive information on the Supplemental Nutrition Assistance Program (SNAP) during the enrollment process.

Arrrrgh! Don't ask me why, but for some reason I forget about this weird policy of NY State of Health every year:

Press Release: NY State of Health Announces Annual Renewal Begins Saturday

  • 500,000 New York State Households Expected to Renew Their Health Plan for the 2020 Plan Year
  • Consumers Must Enroll or Renew by December 15 for Coverage Effective January 1

ALBANY, N.Y. (November 14, 2019) - NY State of Health, the state’s official health plan Marketplace, today announced that beginning November 16, the Marketplace will be open for individuals looking to renew or change their health plan for 2020. Open Enrollment for new customers seeking to enroll in a Qualified Health Plan began November 1 and runs through January 31, 2020.  New Yorkers must enroll by December 15 for coverage beginning January 1, 2020.

via NY State of Health:

Press Release: Governor Cuomo Announces the Start of NY State Of Health's 2020 Open Enrollment Period

  • New York's Uninsured Rate Continues to Decline, Among Lowest in the Nation
  • More than 4.8 Million New Yorkers Have Enrolled Through NY State of Health

Governor Andrew M. Cuomo today announced that on November 1, NY State of Health - New York State's Health Plan Marketplace and a national leader in enrolling people into quality, affordable health coverage - will begin its seventh annual open enrollment period for New Yorkers who want quality, low-cost health insurance coverage in 2020.

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.

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:

Over the weekend, the New York Department of Financial Services issued a press release announcing approved 2020 ACA-compliant Individual and Small Group premium rate changes:

DFS ANNOUNCES 2020 PREMIUM RATES: LOWERS OVERALL REQUESTED RATES FOR INDIVIDUALS AND SMALL BUSINESSES TO PROTECT CONSUMERS AND FUEL A COMPETITIVE HEALTH INSURANCE MARKETPLACE

Back on May 31st, I reported that New York's Dept. of Financial Services had released the preliminary, requested premium rate hikes for the 2020 ACA individual and small group markets. At the time, the weighted average increase requested state-wide was around 8.4% (although I got 8.3% when I plugged the hard enrollment numbers into a spreadsheet).

For the small grouip market, NY DFS reported an average requested increase of 12.0%, although again, I only got 11.3% when I plugged in the numbers.

Yesterday, however, NY DFS became the third state (after Oregon and Virginia) to publicly release their approved 2020 premium changes...and like OR & VA, they've shaved a few points off the average rates:

DFS ANNOUNCES 2020 PREMIUM RATES: LOWERS OVERALL REQUESTED RATES FOR INDIVIDUALS AND SMALL BUSINESSES TO PROTECT CONSUMERS AND FUEL A COMPETITIVE HEALTH INSURANCE MARKETPLACE

Thanks to Dan Goldberg for the heads up; this Just In via the New York Dept. of Financial Services:

2020 INDIVIDUAL AND SMALL GROUP REQUESTED RATE ACTIONS

5/31/2019 - Health insurers in New York have submitted their requested rates for 2020, as set forth in the charts below. These are the rates proposed by health insurers, and have not been approved by DFS.

* Indicates the Company offers products on the NY State of Health Marketplace.

The NY DFS website also includes handy links to the actual enrollment numbers for every carrier on both the Individual and Small Group market, allowing me to break out the numbers further:

I'm not sure how this slipped by me, but NY State of Health (New York's ACA exchange) released their official 2019 Open Enrollment Period report about a week ago:

NY State of Health Releases 2019 Open Enrollment Report

  • Essential Plan and Qualified Health Plan Enrollment Reach Record Levels 

ALBANY, N.Y. (May 9, 2019)—NY State of Health, the state’s official health plan Marketplace, today released detailed demographic data on the more than 4.7 million New Yorkers enrolled in comprehensive health coverage through the close of the sixth open enrollment period on January 31, 2019. Marketplace enrollment is now at its highest point ever, and Essential Plan and Qualified Health Plan enrollment reached record levels of more than 1 million people.

“It’s evident in the numbers released today that there is high demand for quality, affordable health coverage,” said NY State of Health Executive Director, Donna Frescatore. “The 2019 record enrollment levels are proof that New York’s Marketplace remains strong.”

NY State of Health 2019 Open Enrollment Report Highlights

A big news story out of New York State today is about Governor Andrew Cuomo reaching a budget deal with the state legislature:

Governor Andrew M. Cuomo, Senate Majority Leader Andrea Stewart-Cousins and Assembly Speaker Carl Heastie today announced an agreement on the FY 2020 Budget. The Budget holds spending growth at 2%for the ninth consecutive year and cuts taxes for the middle class.

The Budget includes several landmark policies that will bring sweeping transformation and social justice reform to the state with the passage of the permanent 2% property tax cap that has already saved New Yorkers $25 billion since it was first implemented in 2012; a strategic MTA reform plan and steady revenue stream to fund the next capital plan through Central Business District Tolling; an additional $1 billion to support education, bringing total education funding to $27.9 billion; and landmark criminal justice reforms, including reforming the cash bail system, speedy trial, and the discovery process for a more fair and just New York for all.

This just in from New York State of Health...

Press Release: NY State of Health Releases 2019 Enrollment Data by Insurer
Mar 12, 2019

  • New Yorkers Value Choice of Plans
  • 2019 Enrollment is Spread Across NY State of Health’s 12 Qualified Health Plan Insurers and 16 Essential Plan Insurers

ALBANY, N.Y. (March 12, 2019) - NY State of Health, the state’s official health plan Marketplace today released 2019 health plan enrollment by insurer. Twelve insurers offer Qualified Health Plans (QHP) and sixteen insurers offer the Essential Plan (EP) statewide in 2019. Most consumers have a choice of at least four QHP and EP insurers in every county of the state. 

“We are pleased to once again offer consumers a broad choice of high-quality, affordable health plan options in every county of the state,” said NY State of Health Executive Director, Donna Frescatore. “And the wide distribution of enrollment across insurers shows us that consumers value this choice.”

I don't analyze or write about the ACA's SHOP (Small business Health Options Program) exchange enrollment very much these days. The main reason for this is that SHOP enrollment is extremely difficult to come by. The federal exchange (HealthCare.Gov) has mostly pretended the program doesn't even exist, at least when it comes to enrollment...in fact, to my knowledge, they've only issued a single hard number for HC.gov SHOP enrollment...in 2015:

On November 15th, 2014 we launched the HealthCare.gov portal for 33 states to enroll in SHOP Marketplaces. As of May 2015, approximately 85,000[1] Americans have 2015 coverage through SHOP Marketplaces with about 10,700 small employers participating in SHOP Marketplaces. These totals do not include employers that began coverage in 2014 and have not yet renewed their coverage through HealthCare.gov for 2015.

New York State of Health, NY's ACA exchange, posted their final statewide 2019 Open Enrollment Period numbers a few weeks back.

A few days ago, they broke that data out further, providing county-level granular data as well:

Press Release: NY State of Health Announces 2019 Enrollment Increases in All Counties of New York State
Feb 22, 2019

This just in via NY-based Politico healthcare reporter Dan Goldberg...

@charles_gaba final tally from NY: QHP 271,873; EP 790,152; 22% enrollees were new and 78% re-enrolled for a QHP. Number were 12%, 88% for EP

— Dan Goldberg (@DanCGoldberg) February 4, 2019

This is 6,664 QHP selections higher than the 1/29 tally, or slightly more than the 5,000 I expected NY to tack on for the final two days of Open Enrollment. New York wrapped things up with an impressive 7.4% increase in QHP enrollees over last year and a 6.9% increase in Essential Plan (BHP) enrollment.

UPDATE: Here's the official press release with a few more details:

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