New York

Sherman, set the Wayback Machine to 2015:

MICHIGAN: Another One (Mostly) Bites The Dust; 12th CO-OP Drops Off Exchange, May Go Belly-Up

It appears that East Lansing-based Consumers Mutual Insurance of Michigan could wind down operations this year as it is not participating in the state health insurance exchange for 2016.

But officials of Consumers Mutual today are discussing several options that could determine its future status with the state Department of Insurance and Financial Services, said David Eich, marketing and public relations officer with Consumers Mutual.

Consumers Mutual CEO Dennis Litos said: "We are reviewing our situation (financial condition) with DIFS and should conclude on a future direction this week.”

While Eich said he could not disclose the options, he said one is “winding down” the company, which has 28,000 members, including about 6,000 on the exchange.

I wasn't expecting New York to be the first state to publicly release their final/approved rate filings, but so be it (in fact, they're just the first state I'm aware of to do so).

Thanks to Michael Capaldo for the heads up on this press release from the NY Dept. of Financial Services:

DFS ANNOUNCES 2023 HEALTH INSURANCE PREMIUM RATES, SAVING NEW YORKERS $799.5 MILLION

via NY State of Health:

ALBANY, N.Y. (July 11, 2022) – NY State of Health, the state’s official health plan Marketplace, today released Health Insurance Coverage Update: Impact of ARPA Subsidies. The enrollment report, which compares data from March 2020 to May 2022, describes how millions of New Yorkers have benefitted from access to affordable, comprehensive coverage through the Marketplace thanks to flexibilities permitted during the Federal COVID-19 Public Health Emergency (PHE) and ARPA premium subsidies. Currently, federal enhanced subsidies do not extend into 2023 and New York’s uninsured rate is expected to rise, reversing the progress in insurance coverage made since the start of the pandemic.

Read the Marketplace’s July 2022 Health Insurance Coverage Update: Impact of ARPA Subsidies. 

The New York Dept. of Financial Services hasn't issued a formal press release yet, so it's conceivable that a few more filings will be added, but as far as I can tell, the spreadsheet below contains the preliminary unsubsidized 2023 premium change requests for every carrier offering ACA-compliant individual and small group market healthcare policies.

I've poked around the actual actuarial nattative summaries for several of the carriers with the higher market share (Excellus, Fidelis, etc) and while I see a couple of references to the set-to-expire expanded American Rescue Plan subsidies being set to expire at the end of 2022, this isn't listed as a significant factor in the rate filings (at least the ones I've looked at).

Assuming these rate hikes are approved of as is (which is no sure thing; New York tends to cut them down somewhat), unsubsidized individual market enrollees will be looking at average premium increases of 18.8%, while small group market policyholders will see a 16.3% average increase.

via NY State of Health:

• Enrollment Specialists Available at YMCAs Across the State on April 30th

• New Yorkers Can Learn About the Availability of Expanded Financial Assistance

• Year-Round Enrollment Opportunities Available

ALBANY, N.Y. (April 25, 2022) - NY State of Health, the state’s official health plan Marketplace, announced today that it will join the YMCA in celebration of their annual Healthy Kids Day, held this year on Saturday, April 30th.  NY State of Health enrollment specialists are attending Healthy Kids Day events throughout the State, to educate New Yorkers about obtaining quality, low-cost health coverage through the Marketplace. Event attendees will be able to meet certified enrollment assistors at more than 25 YMCA locations to receive enrollment guidance and learn about the availability of increased financial assistance made available through the American Rescue Plan Act. 

via NY State of Health:

Enrollment Assistors Visit Public Libraries in Upstate New York Throughout April and May to Educate Patrons on Their Health Plan Options and Help Them Enroll

ALBANY, N.Y. (April 13, 2022) - NY State of Health, the state’s official health plan Marketplace, today announced that certified enrollment assistors will be available at public libraries across upstate New York this spring.  The enrollment assistors will visit libraries throughout April and May to educate New Yorkers about enrolling in quality, affordable health insurance. Assistors will provide in-person support to library patrons by educating them on their plan options, answering questions, scheduling appointments, and helping with enrollment. 

via NY State of Health:

• State's Health Insurance Marketplace Served as a Critical Safety Net for Over 6.5 Million New Yorkers During the COVID-19 Pandemic
• Governor Encourages Congress to Extend American Rescue Plan Tax Credits to Preserve This Critical Health Insurance Coverage for New Yorkers
• 2022 Open Enrollment Period for NY State of Health Qualified Health Plans Will Remain Open for the Duration of the Federal Public Health Emergency

Governor Kathy Hochul today recognized the 12th anniversary of the Affordable Care Act and the resulting historic levels of health insurance coverage through NY State of Health, the state's official health plan Marketplace. NY State of Health serves as a critical safety net for over 6.5 million New Yorkers.

"In Congress, I fought tooth and nail against attempts to repeal the Affordable Care Act because it was the right thing to do for millions of Americans," Governor Hochul said. "As Governor, I remain committed to making sure that every New Yorker can obtain quality, affordable health care."

via NY State of Health:

Certified Assistors Provide Enrollment Support on SUNY and CUNY Campuses Throughout the State

• March 15 is the Deadline to Enroll for April 1, 2022 Coverage

ALBANY, NY (March 10, 2022) -NY State of Health, the state’s official health plan Marketplace, today announced its partnership with SUNY and CUNY colleges throughout the State to educate students about how to enroll in affordable, quality health coverage. Informational events will take place during March, with certified enrollment assistors onsite to answer questions and provide enrollment assistance. 

Last month I noted that a press release from New York State of Health (NY's ACA exchange) was kind of oddly worded:

...several paragraphs later, you get this:

...Extending the Open Enrollment Period for QHP’s aligns with the coverage rules for public programs also administered through NY State of Health. New Yorkers need to enroll by January 15 for coverage starting February 1 and by February 15 for coverage starting March 1.

In other words, they've bumped out the final deadline by another 2 weeks, through 2/15. Why this isn't mentioned until 5 paragraphs in, I have no idea, but whatever.

At the time, I assumed that they had extended their 2022 Open Enrollment Period deadline through February 15th, as I didn't see any other press releases clarifying things.

Well, it turns out they did extend it, but not through any specific date:

On January 14th, NY State of Health issued an oddly-worded press release:

NY State of Health and New York State Department of Financial Services Announce Extension of Open Enrollment Period as Federal Public Health Emergency Continues