Vermont

D'oh! OK, one more late-breaking number today, out of Vermont:

Vermont Health Connect Open Enrollment and Renewal Update

The following numbers are up-to-date as of 11:59pm Monday, February 9, 2015.

New Vermont Health Connect Customers

12,344 individuals have checked out a 2015 health plan. This includes 4,786 individuals in Qualified Health Plans (private health insurance) and 7,558 individuals in Medicaid or Dr. Dynasaur plans.

After a new customer checks out a plan, they must make an initial premium payment and have their selection processed before they have an active health plan. Of the 12,344 individuals who checked out, 10,678 have completed the enrollment process and have an active health plan (i.e., effectuated enrollment).  Of those who completed the process, 3,293 are on a Qualified Health Plan and 7,385 are on Medicaid or Dr. Dynasaur.

Renewing 2014 Vermont Health Connect Plans

The latest numbers out of Vermont...

The following numbers are up-to-date as of 11:59pm Monday, January 26, 2015.

New Vermont Health Connect Customers

10,399 individuals have checked out a 2015 health plan. This includes 4,098 individuals in Qualified Health Plans (private health insurance) and 6,301 individuals in Medicaid or Dr. Dynasaur plans.

After a new customer checks out a plan, they must make an initial premium payment and have their selection processed before they have an active health plan. Of the 10,399 individuals who checked out, 8,853 have completed the enrollment process and have an active health plan (i.e., effectuated enrollment).  Of those who completed the process, 2,713 are on a Qualified Health Plan and 6,140 are on Medicaid or Dr. Dynasaur.

Renewing 2014 Vermont Health Connect Plans

Unless a customer requested otherwise, all individuals who had an active health plan through the end of 2014 currently have health insurance coverage through Blue Cross Blue Shield of Vermont, MVP Health Care, Medicaid or Dr. Dynasaur. The insurance issuers have their information in their systems and ID cards remain active.

A few days ago I posted an article about how Rhode Island is having trouble scraping together the $19 million or so that they need to operate HealthSource RI, now that the federal funds have pretty much dried up and the exchange has to pull its own weight. Some exchanges were set up with a funding mechanism in place (generally by charging either the insurance companies operating on the exchange, or the enrollees themselves, some sort of tax or fee), but others, like Rhode Island, were funded with federal dollars but never got around to setting up a way to pay for themselves after that funding stopped.

Anyway, a Republican state legislator in RI came up with an ingenious solution: Dump the exchange, even though it's functioning perfectly well. The reasoning is that the federal exchange, Healthcare.Gov, is operating more efficiently, so why not just do what Oregon and Nevada had to do this year (due to technical problems) and add themselves to the pile of 3 dozen states already being run through HC.gov?

The Vermont exchange just released their latest numbers:

New Vermont Health Connect Customers

9,454 individuals have checked out a 2015 health plan. This includes 3,791 individuals in Qualified Health Plans (private health insurance) and 5,663 individuals in Medicaid or Dr. Dynasaur plans.

After a new customer checks out a plan, they must make an initial premium payment and have their selection processed before they have an active health plan. Of the 9,454 individuals who checked out, 7,981 have completed the enrollment process and have an active health plan (i.e., effectuated enrollment).  Of those who completed the process, 2,506 are on a Qualified Health Plan and 5,475 are on Medicaid or Dr. Dynasaur.

Renewing 2014 Vermont Health Connect Plans

Unless a customer requested otherwise, all individuals who had an active health plan through the end of 2014 currently have health insurance coverage through Blue Cross Blue Shield of Vermont, MVP Health Care, Medicaid or Dr. Dynasaur. The insurance issuers have their information in their systems and ID cards remain active.

As you may recall, a week or so ago I ran into a weird discrepancy with the numbers out of a few states. In the case of Vermont, it turned out that the enrollment data they were releasing included both QHPs and Medicaid without distinguishing between the two.

Fortunately, they've corrected this, so today's update (and future ones) has it all broken out:

The following numbers are up-to-date as of 11:59pm Monday, January 12, 2015.

New Vermont Health Connect Customers

8,709 individuals have checked out a 2015 health plan. This includes 3,506 individuals in Qualified Health Plans (private health insurance) and 5,203 individuals in Medicaid or Dr. Dynasaur plans.

Last week, after the first official HHS report came out, I was perplexed by data discrepancies between the HHS and several state exchanges. Many of these turned out to be due to the dates on the reports not matching up, but others remained.

One of the remaining ones was in Vermont:

Vermont: I don't have a 12/15 report from the VT state exchange, but they did release one from 4 days earlier. It claimed 25,867 total QHP selections for 2015. The HHS report says it was 21,709...as of 4 days later. Again, a 4,100 difference.

Today I received my answer: It turns out that until now, the official state exchange enrollment reports were including both QHPs and Medicaid in both the "renewed" and "new" enrollment numbers. Medicaid/CHIP enrollments make up around 7,000 of the total (around 2,800 renewals and 4,300 new).

The broken-out numbers for Vermont, as of last night, directly from my contact at Vermont Health Connect, are as follows:

Vermont Health Connect Open Enrollment and Renewal Update

The following numbers are up-to-date as of 11:59pm Tuesday, December 30, 2014.

  • Renewals: 23,356 individuals have been checked out into 2015 health plans.
  • New to Vermont Health Connect: 6,881 individuals have been checked out into 2015 health plans.

Customer Support Center Metrics (Week of Dec. 22-27)

  • Number of calls: 6,154
  • Average wait: 14.1 seconds
  • Number of calls answered in less than 30 seconds: 93.1%

Tracking Progress of New Applications

The following graph shows where new applicants are in the process between submitting their application and being covered by a qualified health plan. Please note that applicants who qualify for Medicaid are not included. The numbers are up-to-date as of Monday, December 29, 2014.

No press release yet, but here's the latest numbers out of Vermont:

The following numbers are as of Sunday, December 21, 2014:

  •     Renewals: 22,640 individuals have been checked out into 2015 health plans.
  •     New to Vermont Health Connect: 5,663 individuals have been checked out into 2015 health plans.

Customer Support Center Metrics (Week of Dec. 15-20):

  • Number of calls: 9,948
  • Average wait: 26.4 seconds
  • Number of calls answered in less than 30 seconds: 80.9%

I haven't written much about the recent announcement by Vermont's governor that after years of pushing a single payer plan for the state, he's basically pulled the plug on it (at least for the time being). I noted the announcement but didn't have much to add myself.

Part of this is because I'm swamped with the actual ACA open enrollment itself, of course. Part of it is because it's too depressing a development for me to really think about right now. Part of it is because others far more knowledgeable than I am have much more to say about it.

One such person is Vox's Sarah Kliff, and she's written a fairly definitive explanation of what went wrong. The short version: Vermont's tax base is too small to support the initial costs, even if it would save gobs of money in the longer term.

In Vermont, this is massive: the state only raises $2.7 billion in taxes a year for every program it funds. Early estimates said that Vermont's single-payer plan might need $1.6 billion in additional funds — a huge lift. But $2.5 billion was impossible.

OK, strictly speaking this isn't directly ACA-related, but come on...

Shumlin: "The time is not right"

Vermont has long had a two-pronged approach to building a single-payer health care system. First, they would figure out what they would want the system to look like. Then, they would figure out how to pay for it.

The state passed legislation outlining how the single-payer system would work in 2011. And ever since, the state has been trying to figure out how to pay for a system that covers everybody. Most estimates suggest that the single payer system would cost $2 billion each year. For a state that only collects $2.7 billion in revenue, that is a large sum of money.

What Shumlin appears to be saying today is that the "time is not right" to move forward on the financing of the single-payer system. And that means putting the whole effort aside, with no clear moment when the debate would be reopened.

Ouch.

Thanks to Morgan True for the link to this PowerPoint report which explains why VT is pulling the plug on their ambitious Single Payer attempt:

As you can see from the graphic I posted yesterday (and had to revise several times throughout the day), the official enrollment deadline for private policies starting on January 1st, 2015 has now passed for all 37 states operating via HealthCare.Gov, as well as residents of DC, Hawaii and Kentucky. It's certainly possible that any or all of these will announce some sort of "special circumstances" allowance for those who didn't make the midnight cut-off (10pm in Alaska), but I'm assuming those would be done strictly on a case-by-case basis.

OK, so what about the remaining 11 states?

Well, 4 of them (MD, MA, RI & WA) had later deadlines for January coverage all along: Maryland on 12/18 (Thursday) and the other 3 on 12/23 (next Tuesday).

New York and Idaho bumped their deadlines out from yesterday until 12/20 (Saturday), although Idaho had previously claimed that their deadline was 12/23, but are now claiming that it was originally 12/15. I still don't understand what happened there, but so be it: 12/20 it is for ID.

Earlier today Connecticut and Minnesota announced deadline extensions; now CoveredCA has done so as well...

California’s health insurance exchange extended its deadline for consumers wanting Obamacare coverage in effect by Jan. 1.

Peter Lee, executive director of Covered California, said people who start the application process or make some “good faith effort” by Monday will have until Dec. 21 to finish signing up. Monday at midnight had previously been the hard deadline.

“We are providing this window to get people across the finish line,” Lee said at an exchange board meeting Monday. “We know many of the people applying have never had insurance before, and these are individuals who need to sit down and talk with someone.”

Lee said many insurance agents and enrollment counselors were already fully booked with applicants Monday. He said the deadline extension will allow people to make appointments through Dec. 21.

Vermont Health Connect Open Enrollment and Renewal Update

The following numbers are up-to-date as of 11:59pm Thursday, December 11, 2014.

Renewals: 21,788 individuals have been checked out into 2015 health plans.

New to Vermont Health Connect: 4,079 individuals have been checked out into 2015 health plans.

OK, so that's 25,867 total so far...of which 84% are renewals vs. 16% new enrollments.

I also can't resist including this rather, um, creative graphic representation of the numbers that the Vermont exchange has come up with:

This Just In, directly from the VT exchange...

Vermont Health Connect Open Enrollment and Renewal Update

The following numbers are up-to-date as of 11:59pm Wednesday, December 3, 2014.

Renewals: 15,595 individuals have been checked out into 2015 health plans (out of 38,704 in the renewal pool).

New to Vermont Health Connect: 2,140 individuals have been checked out into 2015 health plans.

Additional Notes:

The last update I had for Vermont listed "over 3,000" QHP renewals in the first 5 days, but didn't include any new enrollee data.

Today I've been informed that the renewal number reached 4,415 as of 11/23, plus another 3,588 new applications. It was also specified that an "application" represents a household, not the total number of covered lives for whatever policy is eventually enrolled in.

Assuming an average of 1.8 people per household, and further assuming that roughly 50% of those who apply had also already selected a plan as of the date in question (this has been a consistent rule of thumb based on the Massachusetts data to date), that suggests that those applications represent roughly 6,400 actual people, and roughly 3,200 of them should have already selected their plans. Knocking 100 off in the interest of caution gives roughly 3,100 new enrollments on top of the 4,415 confirmed renewals, or around 7,500 total enrollments as of the 23rd.

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