2024 Open Enrollment

New York State of Health

Every year I seem to forget that New York State of Health launches their annual ACA Open Enrollment Period two weeks later than every other state for some reason...

  • New Yorkers Who Enroll by December 15 Will Have Health Insurance in Place for January 1
  • Enhanced Health Insurance Premium Tax Credits Remain Available in 2024
  • NY State of Health Makes Available Certified Enrollment Assistors to Offer Free Help, Plan Comparisons , and Cost Estimates to Consumers Across the State

ALBANY, NY. (November 16, 2023) – NY State of Health, the state’s Official Health Plan Marketplace, today announced the beginning of its eleventh annual open enrollment period for health insurance. New Yorkers shopping for coverage through the Marketplace are offered a wide selection of high-quality comprehensive health plans, with the support of certified enrollment assistors to guide them through the enrollment process, establish eligibility, and determine any potential financial assistance. Beginning today, consumers have until December 15, 2023, to renew or enroll in a Qualified Health Plan for health insurance starting January 1, 2024.

BeWell NM

BeWell NM, New Mexico's state-based ACA exchange, has launched a very handy new Enrollment Data portal which includes plenty of info for a data hound like myself to pore over. The initial 2024 Open Enrollment Period numbers are impressive...but also a bit misleading if you don't know how the exchange enters data.

First, the top line numbers (as of 11/15/23):

  • Number of enrolled consumers: 45,496
  • Consumers enrolled in Medical coverage: 44,917
  • Consumers enrolled in Dental coverage: 10,759

While dental coverage is also important, standalone dental plans aren't considered Qualified Health Plans (QHPs); it's the "Medical Coverage" which is the key number here.

Also, the total number above may look confusing, but most of the Medical & Dental coverage enrollees overlap:

via Connect for Health Colorado:

First Two Weeks of Open Enrollment Spell Early Success for Colorado’s Health Insurance Marketplace

  • Sign-ups are 27 percent higher than last year, and more people are qualifying for financial help

DENVER— Open Enrollment for 2024 health insurance coverage started just two weeks ago, and Connect for Health Colorado reports that enrollments are up 27 percent from last year. Currently, more than 36,500 individuals have signed up for a health insurance plan through its marketplace, and 82 percent of those people are qualifying for financial help.

Some guy, November 5th, 2023:

Back in April, the Associated Press reported that the Biden Administration planned on opening up eligibility for ACA exchange, Basic Health Program, Medicaid & CHIP coverage to hundreds of thousands of Americans who have Deferred Action of Childhood Arrivals status:

President Joe Biden is set to announce that his administration is expanding eligibility for Medicaid and the Affordable Care Act’s health insurance exchanges to hundreds of thousands of immigrants brought to the U.S. illegally as children, according to two U.S. officials briefed on the matter.

New York State of Health

I'm a bit late following up on this, but since New York State of Health isn't launching their 2024 ACA Open Enrollment Period until tomorrow anyway (Nov. 16th...every other state already started theirs on Nov. 1st or earlier), it's still timely.

Two weeks ago a Twitter follower of mine gave me a heads up:

The letter I received had the Essential Plan at 250%. My Navigator told me it was a mistake and pending approval? DM me for specifics

This is definitely cause for concern, since New York's Essential Plan is only available to NY residents who earn between 138 - 200% of the Federal Poverty Level ($29,160/yr for a single adult, $60,000/yr for a family of four).

Sure enough, they sent me the full letter they received from New York State of Health (personal info redacted, of course):

OK, there isn't supposed to be a formal Open Enrollment Period report out for another week, but President Biden just tweeted out a pretty impressive topline number for the first week of the 2024 ACA Open Enrollment Period:

In the first week of Open Enrollment, 1.6 million people have signed up for a plan at HealthCare.Gov, including 301,000 new consumers – that’s a 50% increase from last year.

Join them by visiting HealthCare.Gov today.

— President Biden (@POTUS) November 9, 2023

This is excellent news, but it does bear some analysis even without any additional details being included.

Back in April, the Associated Press reported that the Biden Administration planned on opening up eligibility for ACA exchange, Basic Health Program, Medicaid & CHIP coverage to hundreds of thousands of Americans who have Deferred Action of Childhood Arrivals status:

President Joe Biden is set to announce that his administration is expanding eligibility for Medicaid and the Affordable Care Act’s health insurance exchanges to hundreds of thousands of immigrants brought to the U.S. illegally as children, according to two U.S. officials briefed on the matter.

The action will allow participants in the Obama-era Deferred Action for Childhood Arrivals program, or DACA, to access government-funded health insurance programs. The officials spoke on the condition of anonymity to discuss the matter before the formal announcement on Thursday.

As I noted at the time:

As long-time readers know, every year during the ACA Open Enrollment Period (OEP) I have a tradition of regularly updating a graph tracking how many Americans have enrolled in on-exchange Qualified Health Plan (QHP) policies nationally. The Graph®, as I've come to call it, is how this entire website got started; the logo for ACA Signups even consists of a stylized version of the original version from the 2013 - 2014 OEP.

That first year I attempted to track every conceivable population--on-exchange QHPs, off-exchange QHPs, Medicaid expansion enrollment, SHOP (ACA small business exchange) enrollees) and even the amorphous "sub-26er" populations of young adults enrolled in their parents employer plans thanks to ACA provisions. Some of these were nearly impossible to accurately estimate, but I really tried my best.

Over the next year or two, I not only dropped the categories which I wasn't able to track properly, my tracking of the remaining ones became much more streamlined and sophisticated. Eventually I decided to stick with just two categories: On-exchange QHPs and those enrolled in the Basic Health Plan (BHP) programs in Minnesota and New York.

via Connect for Health Colorado:

Connect for Health Colorado, the state’s official health insurance marketplace, has announced that the maximum number of individuals (11,000) have submitted a Colorado Connect application for 2024 and been found eligible for Silver Enhanced Savings, the financial help for enrollees in the OmniSalud program.

Kevin Patterson, CEO of Connect for Health Colorado, released the following statement:

“We anticipated that we would see significant financial help determinations early in the enrollment period for OmniSalud; the response we saw yesterday and today has exceeded even our very high expectations. I’m truly grateful for and astounded by the response.

We understand people will be disappointed to learn the funding limit has already been reached, and we hope to continue to find ways to expand the program in the future to meet the demand. I want to express my gratitude for the additional spots made available this year as well as the extraordinary work from our enrollment network and community partners.

via Pennie, Pennsylvania's state-based ACA exchange:

Harrisburg, PA – November 1, 2023, marks the beginning of Pennie’s 2024 Open Enrollment Period, which is the annual time when Pennsylvanians who need health coverage can find high-quality health plans at the lowest costs.

Pennie is Pennsylvania’s official health insurance marketplace, and the only source for financial savings to lower monthly premium payments or out-of-pocket costs. Nine out of 10 Pennie customers qualify for financial savings.

Pennie ensures that all plans available provide access to a wide range of medical services, including hospitalization, prescription drugs, maternity care, mental health services, and much more. Health plans through Pennie must cover care for pre-existing conditions, offer free preventive services, and provide important financial protections.

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