2022 Open Enrollment Period

Tuesday, November 1st is the start of the official 2023 #ACA Open Enrollment Period (OEP) for anyone who needs quality, affordable healthcare coverage.

The 2023 OEP is the best ever for the ACA for several reasons:

  • Second, because several states are either expanding or retooling their own state-based subsidy programs to make ACA plans even more affordable for their enrollees;

There's also expanded carrier & plan offerings in many states/counties, and as always, millions of people will be eligible for zero premium comprehensive major medical policies.

If you've never enrolled in an ACA healthcare policy before, or if you looked into it a few years back but weren't impressed, please give it another shot now. Thanks to these major improvements it's a whole different ballgame.

Here's thirteen important things to know when you #GetCovered for 2023:

HealthSourceRI Logo

Yeah, they're a bit late to the party on this, but it's still nice to see HealthSource RI issue their official 2022 Open Enrollment Period report:

EAST PROVIDENCE, R.I. (April 14, 2022) HealthSource RI’s Open Enrollment period was held from November 1, 2021 and ended on January 31, 2022. This was a very successful Open Enrollment period for HealthSource RI (HSRI), with enrollments increasing to 31,445 in 2022 compared to 30,071 in 2021. These mark HealthSource RI’s highest enrollment numbers since 2020.

The American Rescue Plan Act (ARPA), enacted by the federal government in February 2021, provided historically high savings in the form of subsidies/tax credits for eligible individuals and families in Rhode Island. ARPA also created a new opportunity for individuals and families whose income is over 400% of the federal poverty level (FPL) to receive financial assistance.

As noted yesterday, it's the12th Anniversary of President Obama signing the ACA into law. To mark the occasion, the Centers for Medicare & Medicaid Services (CMS) has released the final, official 2022 Open Enrollment Period (OEP) report, which I've broken into multiple entries.

In this entry, I'm looking at the metal level breakout of the plans selected by ACA exchange enrollees. As a reminder, ACA policies fall into four categories: Bronze, Silver, Gold, Platinum, plus a special fifth "Catastrophic" category.

The 4 metal level categories represent policies which cover roughly 60%, 70%, 80% or 90% of the average enrollee's in-network healthcare expenses over the cours of the year. This doesn't mean that a Silver (70%) plan, for instance, will cover 70% of your specific medical expenses; it's an aggregate average.

As noted yesterday, it's the12th Anniversary of President Obama signing the ACA into law. To mark the occasion, the Centers for Medicare & Medicaid Services (CMS) has released the final, official 2022 Open Enrollment Period (OEP) report, which I've broken into multiple entries.

In this entry, I'm looking at enrollment from the angle of various demographic factors, including Age, Gender, Race/Ethnicity and Rural status.

There's a ton of data in the big table below (click the image for a high-res version), so I've also included percentage summaries at the bottom:

As noted yesterday, it's the12th Anniversary of President Obama signing the ACA into law. To mark the occasion, the Centers for Medicare & Medicaid Services (CMS) has released the final, official 2022 Open Enrollment Period (OEP) report, which I've broken into several entries.

This entry covers two types of ACA policies which don't get nearly enough attention. The first is the ACA's Basic Health Plan (BHP) program, which is currently only operating in two states: Minnesota and New York.

Louise Norris has an excellent explainer about the BHP program:

Under the ACA, most states have expanded Medicaid to people with income up to 138 percent of the poverty level. But people with incomes very close to the Medicaid eligibility cutoff frequently experience changes in income that result in switching from Medicaid to ACA’s qualified health plans (QHPs) and back. This “churning” creates fluctuating healthcare costs and premiums, and increased administrative work for the insureds, the QHP carriers and Medicaid programs.

As noted this morning, today marks the 12th Anniversary of President Obama signing the ACA into law. To mark the occasion, the Centers for Medicare & Medicaid Services (CMS) has released the final, official 2022 Open Enrollment Period (OEP) report, which I'll be breaking into several entries.

In this entry, I'm looking at the financial aid breakout for Qualified Health Plan (QHP) enrollees. ACA financial assistance falls into two categories: Advance Premium Tax Credits (APTC) and Cost Sharing Reductions (CSR). APTC reduces enrollees monthly premium costs; CSR reduces their deductibles, co-pays and other out-of-pocket expenses.

Thanks to the American Rescue Plan, APTC financial assistance is far more generous for most enrollees in 2022 than in prior years, as you can see by looking at the 3rd & 4th columns (avg. premium and avg. premium after APTC):

As I just noted, today marks the 12th Anniversary of President Obama signing the ACA into law. To mark the occasion, the Centers for Medicare & Medicaid Services (CMS) has released the final, official 2022 Open Enrollment Period (OEP) report, which I'll be breaking into several entries.

In this entry, I'm looking at the weekly Qualified Health Plan (QHP) selections by state and nationally. This first table shows the cumulative numbers for every week of OEP 2022. The final column includes additional enrollments after 1/15/22 in the states which had later deadlines, as well as some oddball clerical data corrections:

As I just noted, today marks the 12th Anniversary of President Obama signing the ACA into law. To mark the occasion, the Centers for Medicare & Medicaid Services (CMS) has released the final, official 2022 Open Enrollment Period (OEP) report, which I'll be breaking into several entries.

The next two tables look at the number of renewing enrollees who kept their existing (2021) ACA exchange policy vs. those who switched to a different policy for 2022. It's important to note that CMS only has data on this from the 33 states hosted on the federal exchange (HealthCare.Gov).

Of those, over 56% of renewing enrollees switched to a different policy (either through the same carrier or a different one). The other 44% either kept whatever policy they were enrolled in at the end of 2021 or were automatically switched to the closest equivalent in cases where that exact policy had been discontinued by the insurance carrier (this is known as being "crosswalked"):

As I just noted, today marks the 12th Anniversary of President Obama signing the ACA into law. To mark the occasion, the Centers for Medicare & Medicaid Services (CMS) has released the final, official 2022 Open Enrollment Period (OEP) report, which I'll be breaking into several entries.

First up is the top line numbers: Just how many people selected Qualified Health Plans (QHPs) during the 2022 OEP, which ran from November 1st, 2021 through different ending dates depending on the state. In the 33 states hosted via the federal ACA exchange (HealthCare.Gov), as well as 9 of the 18 state-based marketplaces (SBMs), the ending date was January 15th, 2022.

For the remaining SBMs, the ending date was: 12/22/21 in Idaho; 1/19/22 in Colorado; 1/28/22 in Massachusetts; 1/31/22 in DC, Kentucky, New Jersey, New York & Rhode Island; and 2/04/22 in California:

Maryland Health Connection

via Maryland Health Connection:

RECORD-SETTING 182,000+ ENROLL IN COVERAGE THROUGH MARYLAND HEALTH CONNECTION DURING OPEN ENROLLMENT

  • Uninsured Marylanders can enroll through the state tax form's Easy Enrollment or, if eligible, through Medicaid

BALTIMORE – Gov. Larry Hogan today announced that a record number of Marylanders enrolled for health coverage for 2022 in the annual open enrollment that just ended through Maryland Health Connection. The 182,861 enrollments marked a new record for the state-based health insurance marketplace, a 10% increase over the 2021 open enrollment total of 166,038.

Maryland was one of four state marketplaces, along with Colorado, New York and the District of Columbia, that extended their original open enrollment deadlines in response to the hospitalization surge driven by the Omicron variant of Covid-19. Maryland’s open enrollment was originally scheduled to run from Nov. 1, 2021 to Jan. 15, 2022, but was extended through February.

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