2023 Open Enrollment Period

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As I noted earlier today, the Centers for Medicare & Medicaid Services have released an updated 2023 ACA Open Enrollment Period data report, which runs through 12/03/22 for the 33 states hosted by the federal exchange and 11/26/22 for the 18 states which operate their own exchanges.

There were several major takeaways, including an overall 18% year over year enrollment increase so far, with new enrollments up 28%, active renewals for current enrollees up 17% and so forth.

However, there's another important factor to look at when comparing 2023 ACA enrollment to date vs. the same point in 2022 (actually one day less): Medicaid expansion.

The table below breaks out every state's 2023 enrollment vs. the same point in 2022, including which type of exchange they use as well as their ACA Medicaid Expansion status as of this writing:

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via the Centers for Medicare & Medicaid Services:

  • Plan selections represent an 18% increase over last year, including 1.2 million enrollees who are new to the Marketplace

ACA Marketplace National Enrollment Snapshot

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via Covered California:

Covered California joined leading health officials in San Diego to encourage enrollment in a quality insurance plan and improve access to address an increased need for behavioral health care across the state.

“The pandemic took a toll on us in so many ways, including our behavioral and mental health, which are critical to our ability to live happy, healthy and productive lives,” said Jessica Altman, executive director of Covered California. “Getting the right behavioral health care starts with making sure people have health insurance with access to quality providers, and that can be done right now through Covered California’s open enrollment.”

What You Need to Know

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Via Access Health CT's News/Press Releases page:

Stats as of December 2, 2022

Qualified Health Plans (QHP):

  • QHP Enrollment In 2023 Coverage: 89,975
  • 2022 OE Acquisition Summary: 6,994

Medicaid:

  • Completed applications/ redeterminations processed through the integrated eligibility system: 10,530

I've never been entirely sure what the "Acquisition Summary" figure refers to, but I've confirmed that it's already included in the larger number.

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via MNsure, Minnesota's ACA exchange (via email for now):

More Minnesotans can access discounts and find less expensive plans through MNsure

ST. PAUL, Minn.—During MNsure’s open enrollment period happening now, thousands of Minnesotans who haven’t been able to access premium tax credits in the past are newly eligible for these discounts and can shop for more affordable 2023 health coverage through MNsure, where Minnesotans choose medical and dental insurance, thanks to the ‘family glitch’ fix.

In the past, a family’s eligibility for tax credits from MNsure depended on whether their job-based coverage was affordable for the employee, no matter how much it cost to cover the whole family. This meant some family members fell into the ‘family glitch’: that is, they were ineligible for Affordable Care Act subsidies even though they need them to afford quality coverage. Because they couldn’t access these important tax credits, many families in this situation have been paying more for coverage and some have been going without health insurance entirely.

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via BeWell NM, New Mexico's ACA exchange:

2023 Open Enrollment Report

This report provides a summary of information for week one of the beWellnm health insurance individual Marketplace Open Enrollment Period for plan year 2023 (OEP 2023). The report contains data from the beWellnm eligibility and enrollment platform for OEP 2023, and includes an overview of the following:

  • plan selections
  • new enrollees
  • enrollees renewing coverage
  • Customer Engagement Center call volumes
  • website traffic

Enrollment

This section contains enrollment data through November 26, 2022.

1. Total Plan Selections (net): Count of unique individuals who have selected a Plan Year (PY) 2023 Marketplace medical plan. Count includes all new and re-enrolling consumers (defined in Indicators 2 and 3), regardless of whether the consumer has paid the first month premium. Count does not include plans that were canceled or terminated.: 34,518

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via Connect for Health Colorado:

DENVER— Since November 1, more than 57,500 people have used Connect for Health Colorado’s marketplace to enroll in a health insurance plan. That’s 7,000 enrollments ahead of the same time period last year. Approximately 78 percent of those who have enrolled so far are qualifying for financial help that reduces the cost of plans.

Connect for Health Colorado’s Chief Executive Officer, Kevin Patterson, released the following statement:

“I’m so pleased that people are getting covered early in the enrollment period and that we’re continuing to see enrollment growth year over year. That tells me that our marketplace is giving people the options they’re looking for, at prices that are within their budget. For those who are waiting to sign up, I urge that you make an appointment with an enrollment specialist and enroll by December 15 to begin the new year with peace of mind.”

Important Dates

Maryland Health Connection

via Maryland Health Connection:

Set a Goal: Enroll Statewide Events Dec. 3-15 Feature Extended Hours

BALTIMORE (Nov. 29, 2022) — Maryland Health Connection will have trained experts to help Marylanders understand their options and enroll in a health plan for 2023 at upcoming statewide events. Shoppers can take advantage of free assistance at a local Set a Goal: Enroll event. Help is also available virtually or by phone with weekend and extended hours.

Last year, the average Maryland Health Connection customer buying private health insurance saved $289 a month on their monthly premium. Many Marylanders ages 18-34 can get special discounts for 2023 health plans — on top of other savings available through Maryland Health Connection.

“We are pleased that our navigators, who are so knowledgeable and helpful, are providing extra help in December to help Marylanders choose and enroll in a private health plan for the new year,” said Michele Eberle, executive director of the Maryland Health Benefit Exchange.

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via Access Health CT:

HARTFORD, Conn. (Nov. 29, 2022) — Access Health CT (AHCT) today announced it will host nine enrollment fairs in December to help Connecticut residents shop, compare and enroll or renew their health coverage during the current Open Enrollment period. Enrollment fairs offer free, in-person help from enrollment specialists and will take place in Branford, Bridgeport, Bristol, Danbury, Middletown, New Britain, Norwich, Torrington and West Hartford.

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Last week I noted that the Centers for Medicare & Medicaid Services (CMS) finally released their first 2023 Open Enrollment Period report, which included 3.0 million Qualified Health Plan (QHP) enrollees through 11/19/22 for the 33 states hosted by HealthCare.Gov plus another 387,000 QHP enrollees via the 18 state-based ACA exchanges.

In a footnote, the press release also noted that around 1.07 million New Yorkers have enrolled in NY's ACA-created Basic Health Plan (BHP) program, which is designed specifically for people who earn between 138% of the Federal Poverty Level (FPL) (the cut-off for ACA-expanded Medicaid eligibility) and 200% FPL.

Currently, there's only one other state which has a BHP program established for this population: Minnesota, whose MinnesotaCare program was around pre-ACA but which has been retooled & is now funded by the Affordable Care Act...although two more states, Kentucky and Oregon, are also expected to launch their own BHP program in the next year or so.

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