With all my stories about the requested premium increases in various states not living up to the "sky is falling" hype, several people have called attention to the fact that in New York State, it's not looking good:
ALBANY—New York insurance companies are looking to raise health insurance premiums by an average of 13 percent, according to proposed rates released by the state's Department of Financial Services on Wednesday.
The requests come from the 41 insurance companies operating in New York's insurance market. Last year, 16 insurers offered plans on the state's health exchange, which was created by the Affordable Care Act.
The six most popular plans on the state’s exchange requested double-digit increases in their premium rates for next year, with an average request of a 14.6 percent rate hike.
Visit the link for a pretty cool rollover county-by-county map showing ACA exchange enrollments in New York State:
Last week, the state's health department released demographic information on who used New York's new health insurance exchange to enroll in a health insurance plan.
The data showed how many people across New York signed up for private health insurance plans, enrolled in Medicaid and took advantage of Children's Health Plus.
In total, nearly 1 million people got health insurance coverage through New York State of Health, or about 5 percent of the state's population. The exchanges were created by the Affordable Care Act.
Capital broke that down by county: We found Queens County had the highest percentage (6.78) of its population enroll while Madison County (2.86) had the lowest. But in Madison about half the people who enrolled signed up for a Medicaid plan while half signed up for private insurance. In Queens, twice as many people signed up for Medicaid compared to a private insurance plan.
I contacted the NY State of Health exchange a couple of weeks back and spoke a couple of times with a very nice media relations woman who explained that yes, a highly-detailed, comprehensive enrollment report would be released sometime in late June, but that no, it wouldn't include any information about exchange enrollment since the end of the first Open Enrollment period (ie, the extension period which ended on April 15th).
She said that she'd see about trying to get "off season" enrollment data back on the agenda, but just like the HHS Dept. running 36 other states, it looks like NY has decided not to bother. This leaves me crossing my fingers that California will release their off-season data sometime soon; since CA handles almost 20% of the total enrollments by itself, that (combined with the other half-dozen state exchanges providing regular updates) should be enough to extrapolate for the rest of the country. NY is the 2nd largest exchange, however, so it would've been helpful if they'd done so as well.
As I noted yesterday, there are three states which had unusually large discrepancies between the official HHS and state exchange QHP enrollments:
New York came in over 65,000 lower than the number I had for a simple reason: The New York exchange lumps enrollees in their Child Health Plus program in with QHPs, even though technically this isn't a QHP program. There were over 40,000 of these as of the end of February; this number has climbed to 65,028 as of 4/19.
Since Child Health Plus is privately funded (and therefore isn't on the Medicaid/CHIP side), but also isn't officially a QHP either according to HHS, I've moved it over to the "Off Exchange QHP" column.
This is actually pretty impressive; NY had been averaging around 4,200/day up until yesterday, when they hit 949,428, so this means they racked up another 11,334 in the final day (around 5,600 QHPs and 5,700 Medicaid):
No breakout between Private QHPs & Medicaid/CHIP yet, but NY State of Health just issued this press release:
ALBANY, NY (April 15, 2014) – NY State of Health (NYSOH), the State’s official health plan marketplace, reported that as of 9 a.m. today, 1,311,271 New Yorkers have completed their applications and 949,428 have enrolled for coverage since the launch of the Marketplace on October 1, 2013. More than 70 percent of those who have enrolled to date were uninsured at the time of application. The Marketplace is well on its way to meeting or exceeding its enrollment goal of 1.1 million people by the end of 2016.
This figure is about 16,200 higher than just 4 days ago, meaning NY is averaging around 4K/day. Assuming no final day spike (or drop-off), their final total should come in at around 954,000 people.
Not gonna update the spreadsheet or graph until I get the actual QHP/Medicaid breakout, however, since those are almost always provided within a few hours of the combined number in NY.
The 3 largest states with their own exchanges are California, New York and Washington State. WA did not allow an extension period, so that leaves CA & NY...the latter of which has just issued it's first post-3/11 update:
That's 1,630 QHPs per day, which is actually very close (97%) to the 1,683/day that they averaged back in February.
IF that's typical nationally (and that's a huge if), then that would suggest around 32K/day or around half a million total by 4/15...which is right at the low end of my new, lowered projection of 7.6M.
More great news: Specific numbers out of New York, and apparently the 826K figure included about 6K more QHPs than I thought (and 6K fewere on Medicaid, of course):
Since the state website launched on Oct. 1, 826,812 people had signed up for coverage as of 9 a.m. Monday, with 436,304 qualifying for Medicaid and 390,508 obtaining private insurance, she said.
In addition, while I thought the extra 14K total was between 9am and this evening, according to this article 826K was actually the 9am figure, meaning an even higher eventual total. Doesn't really matter at this point, I suppose; the final numbers will all come out soon...
Yesterday there was an unofficial NY count of 100K total enrollments (QHPs + Medicaid) in the past week (which I estimated broke down to 12,920 QHPs on Friday & Saturday, or 6,460 per day).
Today they gave the official number (still not broken out, though): 812,033 combined.
ALBANY (March 30, 2014) – NY State of Health (NYSOH), the State’s official health plan marketplace, reported that as of 9 a.m. today, 1,162,795 New Yorkers have completed their applications and 812,033 have enrolled for coverage since the launch of the Marketplace on October 1, 2013. More than 70 percent of those who have enrolled to date were uninsured at the time of application.
I have to be careful about using this as an actual spreadsheet entry because it doesn't specify the start date, the end date or the QHP/Medicaid breakout, but things are moving so quickly now that I'm not sure how much difference it makes:
According to @NYStateofHealth Nearly 100,000 New Yorkers have enrolled over the last week.
NY State of Health had already reported 717K total enrollments as of 3/23, which had increased to 782K as of 3/28, which accounts for 65,000 of this number (call it 99K since they say "nearly" 100K). Call it 34,000 in the past 2 days.
If the QHP/Medicaid breakout is the same 38% / 62% that the other 65K from last week was (it should be very close to this), that's another 12,920 QHPs in 2 days, or 6,460 exchange QHPs per day.
OK, I meant to post this yesterday but had to double-check a couple of things with the reporter first. He confirmed that a) the 750K figure was slightly outdated (NY announced a higher total enrollment figure shortly after he posted the story), b) these 10,000 people are indeed enrolled in New York's SHOP exhange for small businesses and are therefore not part of the individual private exchange QHP figure, and c) the 10K figure does include dependents as well as employees.
Therefore, NY's SHOP total just doubled, from around 5,000 as of January to 10,000 today.
Close to 4,000 small businesses across New York state have enrolled their employees in the state's online marketplace for buying health insurance.
The six-month-old market, called an exchange, has become a noteworthy part of the federal Affordable Care Act. The law aims to spark the largest expansion of health insurance nationwide sinceMedicare and Medicaid were created nearly 50 years ago.
As usual for NY, the official press release doesn't include the QHP/Medicaid breakout, but based on past experience someone will point me towards a news story that has it broken out within the hour...anyway, the combined total in the Empire State is now over 782,000:
ALBANY (March 28, 2014) – NY State of Health (NYSOH), the State’s official health plan marketplace, reported that as of 9 a.m. today, 1,130,600 New Yorkers have completed their applications and 782,472 have enrolled for coverage since the launch of the Marketplace on October 1, 2013. More than 70 percent of those who have enrolled to date were uninsured at the time of application.