Charles Gaba's blog

I noted last week that contrary to my concern that OE4 might get off to a slow start due to people holding off until after the election, the early enrollment numbers appear to be right on pace with my official projections after all. In fact, the single day's worth of data provided for HealthCare.Gov ("over 100,000"* enrollments on 11/09 specifically) is 17% higher than what I was expecting it to be, although obviously that could vary widely day to day. The numbers from Minnesota are also extremely impressive, running over 6x higher than the same period last year, that's mostly due to their unique enrollment cap situation, so that's not much of an indicator of any other state.

*(Update 11:55am: This Washington Post article gives HC.gov's 11/09 tally as 105K instead of simply "over 100K").

Schindler's List

 

UPDATE 1/15/17: Reposting this given this evening's "news" that Donald Trump is "promising" to allegedly replace Obamacare (the ACA) with "insurance for everybody" in some mysterious fashion which wouldn't involve being "single payer" (assuming he even has a clue what that actually means):

Ever since Trump's stunning electoral college victory on Tuesday, there's been a lot of hand-wringing (including by myself) about the Republican Party finally getting to actually make good on their obsessive desire to kill off the Affordable Care Act.

At the same time, there's been a similar number of articles written about why doing so might be trickier than they think. Many of those articles focus on the actual legalities involved (which parts can be killed via reconciliation, which parts can't, what the timeline would be and so on), while others go into the political and economic impact of actually repealing the law and what their replacement might look like. This is what I'm writing about in this entry.

Let's revisit this post from a year and a half ago, back when the King vs. Burwell Supreme Court case was the biggest threat looming over the ACA:

As I keep noting, the DC exchange insists on presenting their enrollment numbers as cumulative since October 2013.

As a result, I have to subtract the prior numbers from the current ones to find out the net increase in QHP selections, Medicaid enrollments and SHOP enrollments.

Here's the latest update, through the end of October:

  • 262,928 people enrolled through DC Health Link in private health plans or Medicaid (includes open enrollment and SEPs):

  • 38,468 people have enrolled in private health plans through the individual and family marketplace;

  • 175,012 people have been determined eligible for Medicaid coverage; and

  • 49,448 people have been enrolled through the small business marketplace (includes Congressional enrollment)

Subtracting the prior numbers (which ran through June 10th) gives us:

As I noted yesterday, it appears that contrary to my concerns, the devastating election results aren't discouraging anyone from signing up for 2017 coverage after all. If anything they appear to have "inspired" people to scramble and sign up ASAP before the door presumably slams shut.

As a result, until I hear otherwise, I'm going to assume that the enrollment rate is tracking my original, pre-election projections...in which case this is where things should stand as of an hour ago:

I've only actually confirmed about 132,000 QHP selections so far, so obviously I could be off on either or both of the above, but I'm feeling pretty confident that if they didn't hit those numbers last night, they will have done so by this evening.

Just yesterday I noted that Minnesota's ACA exchange is full bore ahead, especially due to their unique first-come, first-serve enrollment cap cut-off for 4 of the 5 individual market carriers. They're still moving at a breakneck pace:

From MNsure today:

ST. PAUL, Minn.—More Minnesotans have shopped early and enrolled in comprehensive health care coverage though MNsure than ever before. In just the first nine days, more than 20,000 Minnesotans enrolled through the state's health care exchange. It took about six weeks to achieve this milestone last year.

The results of this week's elections do not change MNsure's focus on providing high quality customer service to Minnesotans shopping for health care coverage and encouraging Minnesotans to take advantage of the financial assistance available only through MNsure.

As I've been noting for a few months now, Connect for Health Colorado's monthly enrollment reports are chock full of data and confusing as hell at the same time.

As a result, I've started simply presenting them without much commentary. Here's the October report (remember, this is for currently enrolled 2016 policies, not 2017 Open Enrollment policies:

In addition to releasing their 2017 enrollment data for the first 8 days of November, the Massachusetts Health Connector has posted their latest monthly enrollment report (through the end of October), and the news is good. As I note every month:

Unlike most states, the Massachusetts Health Connector has not only seen no net attrition since the end of Open Enrollment, but has actually seen a net increase in enrollment...mainly due to their unique "ConnectorCare" policies, which are fully Qualified Health Plans (QHPs) but have additional financial assistance for those who qualify and which are available year-round instead of being limited to the open enrollment period.

The amount of the increase depends on which "official" number you start with; the MA exchange claimed 196,554 people as of 1/31/16...while the ASPE report gives it as 213,883 as of the next day....yet their March report claims 208,000 effectuated enrollees as of February.

So, for about 24 hours or so I was feeling nearly suicidal, and this morning I expressed my own tiny bit of symbolic gloom by swapping out the normal header graphic for this one:

I was planning on leaving it like that for a day or so, then swapping it back again tomorrow...but since then I've received several emails/messages/comments from people along the lines of this one:

We are all devastated about the outcome of this election and that the ACA is on the line. Like so many others I wanted to crawl into a hole yesterday. I myself will lose my insurance as will so many of my family, friends and so many people that I assisted and encouraged in their own enrollment over the years.

This is why we can't/won't give up!

From MNsure:

More than 15,000 Minnesotans have Enrolled in Health Coverage in Six Days

November 7, 2016

ST. PAUL, Minn.— MNsure is providing an update on the 2017 open enrollment period. Within six days, more than 15,000 Minnesotans have enrolled in health coverage. This milestone took about six weeks to achieve during last year's open enrollment period.

Since the start of open enrollment, we have seen:

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