OE6

Two weeks ago I reported that Access Health CT, Connecticut's ACA exchange, had enrolled 12,777 people in 2019 ACA exchange policies, running neck and neck with last year. This included active renewals and new enrollees only.

Last night, CT Post reported that as of November 30th, the CT exchange had gone ahead and auto-renewed all current enrollees as well, for a total of 101,054 people:

HARTFORD — Enrollment in Access Health CT is higher this year than it was last year at this time, but time is running out.

Officials said they’ve enrolled 9.685 customers who are new to the exchange this year, and they’ve auto-enrolled more than 91,000 customers who purchased plans with them in 2018. That brings total enrollment up to 101,054 individuals as of Nov. 30.

Last year, about 90,428 individuals had enrolled by this time.

A couple of weeks ago I reported that the Washington Health Benefit Exchange reported enrolling a seemingingly astonishing 190,000 people into 2019 policies in just the first 10 days of the 2019 Open Enrollment Period. This is highly misleading, of course, because only a small fraction of these are new enrollees, and a somewhat larger portion are current enrollees actively renewing their policies.

The vast bulk of that 190K are current enrollees who are auto-renewed into 2019 policies by the exchange itself...with the option to then actively go into the system and opt to cancel their renewals if they wish. There's nothing wrong with this, and in fact more and more of the state exchanges seem to be doing it this way as they improve and streamline their software (I've confirmed that Maryland, Massachusetts, Minnesota, Rhode Island and Washington State are "front-loading" autorenewals this year, although Maryland hasn't actually reported their data yet).

HealthSourceRI hasn't posted any official press release yet, but this story by Rob Borowski in Providence Business News covers all the basics:

PROVIDENCE — HealthSource RI, the state’s health insurance exchange, reports 31,000 people have signed up for health care coverage about a month into the open enrollment period for the 2019 plan year ending Dec. 23, 3,600 enrollments ahead of where they were at this point last year.

Last year at about this time during open enrollment, HealthSource RI had counted about 27,400 people enrolled for health insurance through the exchange, according to HealthSource RI Director Zachary W. Sherman.

Sherman said the agency has seen many people renewing existing coverage either manually or automatically.

“We’re pleased with where we are with sign-ups,” Sherman said.

Week 4 via CMS:

Week 4, Nov 18-24, 2018

In week three of the 2019 Open Enrollment, 500,437 people selected plans using the HealthCare.gov platform. As in past years, enrollment weeks are measured Sunday through Saturday. Consequently, the cumulative totals reported in this snapshot reflect one fewer day than last year.

Every week during Open Enrollment, the Centers for Medicare & Medicaid Services (CMS) will release enrollment snapshots for the HealthCare.gov platform, which is used by the Federally-facilitated Exchanges and some State-based Exchanges. These snapshots provide point-in-time estimates of weekly plan selections, call center activity, and visits to HealthCare.gov or CuidadoDeSalud.gov.

The final number of plan selections associated with enrollment activity during a reporting period may change due to plan modifications or cancellations. In addition, the weekly snapshot only reports new plan selections and active plan renewals and does not report the number of consumers who have paid premiums to effectuate their enrollment.

I just received an official 2019 ACA Open Enrollment Period report from the Massachusetts Health Connector...

As of today, we have 254,177 enrolled for January 1. That is up about 10,000 from last year's 244,308 at the same date. When you include people with plans selected but not paid, we are at 264,118.

The high number is again explained by the fact that Massachusetts, like several other state-based exchanges, front-loads their auto-renewals. 254K / 244K = around a 4% increase year over year, which is solid and right in line with other state-based exchanges to date...while the federal exchange (HC.gov) continues to lag around 11% behind last year. On the other hand, HC.gov doesn't front-load auto-renewals, so it's a bit of an apples to oranges comparison.

Week 3 via CMS:

Week 3, Nov 11-17, 2018

In week three of the 2019 Open Enrollment, 748,244 people selected plans using the HealthCare.gov platform. As in past years, enrollment weeks are measured Sunday through Saturday. Consequently, the cumulative totals reported in this snapshot reflect one fewer day than last year.

Every week during Open Enrollment, the Centers for Medicare & Medicaid Services (CMS) will release enrollment snapshots for the HealthCare.gov platform, which is used by the Federally-facilitated Exchanges and some State-based Exchanges. These snapshots provide point-in-time estimates of weekly plan selections, call center activity, and visits to HealthCare.gov or CuidadoDeSalud.gov.

The final number of plan selections associated with enrollment activity during a reporting period may change due to plan modifications or cancellations. In addition, the weekly snapshot only reports new plan selections and active plan renewals and does not report the number of consumers who have paid premiums to effectuate their enrollment.

With all the attention being paid to the midterm elections causing ACA Medicaid expansion to be passed in Utah, Nebraska and Idaho (while also now being at risk in Alaska and Montana), I've kind of lost track of the situation in Virginia, where it was expanded last May to over 400,000 Virginians.

Thankfully, Esther F. linked me to this article from the Virginia Mercury, which brings me up to speed on the actual implementation of the VA expansion program:

Less than two weeks after Virginia opened registration for its expanded Medicaid program, officials say they’ve already drawn thousands more applicants than initially anticipated.

The state had expected the new program to enroll 300,000 over the next year and a half. They now expect that number to reach 375,000. The new estimates won’t alter the total expansion population, which the state has said will be about 400,000.

OK, this is a bit embarrassing. I've made a point of calling attention to the widely varying Open Enrollment deadlines from state to state, and I also made sure to write up a blog post regarding Covered California, which started their 2019 Open Enrollment period a full two weeks earlier than everyone else, on November 15th.

However, I completely forgot that New York State of Health does things sort of the opposite way: While new enrollees could start signing up for 2019 coverage as early as November 1st, existing enrollees had to wait two weeks into Open Enrollment to actively renew or change their policies:

Press Release: NY State of Health Annual Renewal Begins Today!
Nov 16, 2018

2018 Qualified Health Plan Enrollees Can Renew Their Coverage for 2019 Now

We're over 1/3 of the way through the 2019 Open Enrollment Period in most states, so I figured this would be a good time to check in and see where things stand.

For the most part things are pretty close to where I estimated they'd be--HealthCare.Gov is running about 13% behind last year as of the same point, but Colorado is running 13% ahead; Minnesota and Washington State are both around 5-6% ahead; and Connecticut is running dead even. I still don't have any data from California, which holds around 13% of all ACA enrollees nationally, nor do I have data from any of the other 7 state-based exchanges (DC, ID, MD, MA, NY, RI or VT).

Connect for Health Colorado® Reports Increase in 2019 Medical Plan Selections

DENVER — More than 25,000 Coloradans selected health coverage through Connect for Health Colorado® between Nov. 1 and Nov. 15, a number 13 percent ahead of the pace one year ago, according to new data released today.

“This number of initial sign-ups is the strongest start to an Open Enrollment Period we have seen,” said Connect for Health Colorado® CEO Kevin Patterson. “By acting early, these Coloradans will ensure their health coverage is in place Jan. 1, 2019, protecting their health and their family finances.”

The two-week period saw 25,614 medical plan selections. The total was 22,650 medical plan selections for the comparable period in 2017. Twelve percent of the plan selections are by customers who are new to Connect for Health Colorado and 88 percent are renewing customers.

via Christine Stewart of CT News Junkie (11/15/18):

Access Health Enrollment Off To Steady Start

HARTFORD, CT — The number of customers purchasing plans through Connecticut’s insurance exchange is around what it was last year in the first two weeks of open enrollment.

Since Nov. 1, 12,777 customers have shopped and purchased a plan for 2019, according to Access Health CT officials. That means about 85,000 enrollees have yet to renew into a 2019 policy.

...Traffic on the website is trending about 18 percent higher than it was at this time last year, according to Access Health CT’s Director of Technical Operations and Analytics Robert Blundo.

...An estimated 60 percent of customers are picking plans that are different from their plan in 2018 and that’s compared to only 18 percent who were changing their plans last year. It also means there are a higher percentage of customers using brokers to help them make a decision about the health plan that’s right for them.

Week 2 via CMS:

Week 2, Nov 4-10, 2018

In week two of the 2019 Open Enrollment, 804,556 people selected plans using the HealthCare.gov platform. As in past years, enrollment weeks are measured Sunday through Saturday. Consequently, the cumulative totals reported in this snapshot reflect one fewer day than last year.

Every week during Open Enrollment, the Centers for Medicare & Medicaid Services (CMS) will release enrollment snapshots for the HealthCare.gov platform, which is used by the Federally-facilitated Exchanges and some State-based Exchanges. These snapshots provide point-in-time estimates of weekly plan selections, call center activity, and visits to HealthCare.gov or CuidadoDeSalud.gov.

The final number of plan selections associated with enrollment activity during a reporting period may change due to plan modifications or cancellations. In addition, the weekly snapshot only reports new plan selections and active plan renewals and does not report the number of consumers who have paid premiums to effectuate their enrollment.

This Just In via MNsure, Minnesota's ACA exchange...

More than 97,000 Minnesotans have signed up for private health plans through MNsure since the start of open enrollment
Open enrollment runs until January 13, 2019

ST. PAUL, Minn.—Today MNsure announced that over 97,000 Minnesotans have signed up for private health plan coverage through MNsure during the first two weeks of open enrollment.

MNsure's open enrollment runs until January 13, 2019. For coverage that begins January 1, 2019, Minnesotans must enroll by December 15, 2018.

“We are excited with our smooth start to open enrollment and that over 97,000 Minnesotans have signed up for private health plans,” said CEO Nate Clark. “With rates decreasing from 7 to 27 percent across the state, we encourage Minnesotans to visit MNsure.org to see if they can save.”

BY THE NUMBERS—

Last year, the Washington Health Benefit Exchange reported enrolling roughly 4,500 new ACA exchange enrollees in the first 8 days, which was a whopping 53% increase over 2017. This was in addition to what I estimated was roughly 13,000 current enrollees actively renewing their existing policies or switching to a different one, for a total of perhaps 17,500 QHP selections.

This year, the WA exchange hasn't posted any official press release yet, but the Seattle Times claims that they've already enrolled over 190,000 people:

Despite changes to the Affordable Care Act during the past couple of years, local health-insurance officials are optimistic that the state’s health-insurance exchange will flourish in 2019.

Since enrollment for 2019 began Nov. 1, about 190,000 people have signed up for health insurance through the Washington Health Benefit Exchange, which is about 5 percent more than the same period last year.

Press Release: NY State of Health Drives Home the Importance of Affordable Health Coverage with Ridesharing Partnerships
Nov 9, 2018

Collaborations with Lyft, Uber, Independent Drivers Guild Reach Drivers Across NYS 

ALBANY, NY (November 9, 2018) – NY State of Health, the state’s official health plan Marketplace, today announced it is partnering again during the Open Enrollment Period with ridesharing companies Lyft and Uber, and with the Independent Drivers Guild. Through the partnership, tens of thousands of drivers throughout New York State will be urged to visit the Marketplace to shop for and enroll in quality, affordable health insurance. Open Enrollment for 2019 coverage began November 1. Consumers must enroll by December 15, 2018 for coverage beginning January 1, 2019.

Pages