Charles Gaba's blog

Originally posted 9/12/24

via the Pennsylvania Insurance Dept:

PID is working with insurers to review proposed changes to ensure rates are adequate and fair.

 Harrisburg, PA – The Pennsylvania Insurance Department (PID) today announced that 2025 rate changes requested by insurance companies currently operating in Pennsylvania's individual and small group markets are now available online. This initiative upholds the Shapiro Administration's commitment to providing consumers with the information they need when shopping for health insurance. 

Rate filings for 2025 health insurance plans were submitted to PID on May 15, 2024. Ever since, PID has been working with insurers to review these insurance companies' proposed rate changes, as rates vary by plan and region and are subject to change by the Department to ensure rates are adequate and fair. Final approved rates will be made public in the fall. 

via Nevada Health Link (from Oct. 1st):

Nevadans can now “window shop” online to view and compare health insurance plans ahead of Open Enrollment starting November 1

CARSON CITY, Nev. (Oct. 1, 2024) – In preparation of Nevada’s 2025 Plan Year Open Enrollment Period, Nevadans can now explore and compare health insurance plans on NevadaHealthLink.com. The Open Enrollment Period begins on Nov. 1, 2024, and continues through Jan. 15, 2025. Throughout October, Nevadans can check plan rates and assess eligibility for federal assistance to help reduce the cost of monthly premiums; nearly 9 out of 10 Nevada Health Link enrollees qualify for financial help on their premiums. All plan options and rates can be viewed using the “window shopping” feature on enroll.NevadaHealthLink.com.

via Maryland Health Connection (this is actually from Oct. 1st):

BALTIMORE (Oct. 1, 2024) – Marylanders can now preview 2025 health plans and prices on MarylandHealthConnection.gov, the state’s online health insurance marketplace. Use the “Get an Estimate” tool to compare health plans and savings.

Open enrollment to sign up for a 2025 health plan runs from Nov. 1, 2024 through Jan. 15, 2025. New this year, Marylanders can enroll in plans from Wellpoint Maryland, Inc. Other insurance companies include: Aetna, CareFirst, Kaiser Permanente, and UnitedHealthcare. Vision and dental plans also are available.

“Health insurance makes an impactful difference in the lives of Marylanders every day," said Michele Eberle, executive director of the Maryland Health Benefit Exchange. “With savings through Maryland Health Connection, health care is within reach. In fact, 9 out of 10 Marylanders who enroll get financial help with their health coverage.”

via Jonathan Cohn at Huffington Post:

Democratic presidential nominee Kamala Harris on Tuesday proposed a major new initiative: expanding Medicare to cover the cost of long-term care at home.

Such a plan could mean the option of staying at home, rather than in a nursing facility, for the millions of seniors and people with disabilities who need help with the daily tasks of life.

It could also mean physical and financial relief ― and new opportunities for school or work outside the home ― for the millions of working-age Americans who today provide so much of that care on their own without much in the way of outside assistance.

If the proposed legislation is enacted, such a program would represent a substantial boost in federal support for caregiving and, by any measure, one of the largest one-time increases in American history.

Mississippi is one of the 10 states which still hasn't expanded Medicaid to all residents earning up to 138% of the Federal Poverty Level (FPL) under the Affordable Care Act. If they did so, up to 123,000 uninsured residents would gain healthcare coverage, while up to another 180,000 who are currently enrolled in zero-premium ACA exchange plans would be transferred over to Medicaid instead.

However, it turns out that the Magnolia State does at least have a much smaller Medicaid expansion program called "Healthier Mississippi:"

via the White House website:

Vice President Harris announces actions to protect consumers and reduce hurdles that prevent individuals from receiving relief from medical bills
 
White House hosts roundtable with Americans impacted by medical debt, including those who received medical debt relief through Biden-Harris Administration actions

Via the White House (from a week ago...I'm almost caught up...):

Statement from President Joe Biden on Lower Prescription Drug Prices

For too long, millions of Americans have faced the impossible choice of paying for their prescription drugs or being able to afford other basic needs. While Big Pharma made record profits, Americans footed the bill for the industry’s price hikes. Not anymore. Thanks to my Inflation Reduction Act, companies that increase the price of prescription drugs faster than inflation now must provide a rebate to Medicare.

Last spring I noted that New York announced that they were launching not just one, but two important new expansions of financial assistance to ACA enrollees.

First, they went live on April 1st with expanding their wildly popular Basic Health Plan program (called the Essential Plan), which was already providing comprehensive, affordable healthcare coverage to 1.4 million New Yorkers, up the income scale from maxing out at 200% of the Federal Poverty Level up to 250% FPL. This increased enrollment in the program to 1.5 million people.

In addition, however, there was a second expansion program announced which was sort of buried at the time:

Originally posted on 9/05/24

This press release is from August 1st (sorry, still playing catchup):

Nevadans Get a Preview of 2025 Proposed Health Insurance Rate Changes for Upcoming Open Enrollment

 Starting today, Nevada consumers who shop for their health insurance on the individual health insurance market can view and provide comments on proposed rate changes for Plan Year 2025.

The Nevada Division of Insurance (Division) has received and made public on its website the 2025 proposed rate changes from health insurers intending to sell plans on and off the Silver State Health Insurance Exchange (the "Exchange"). The Exchange is the state agency that assists eligible Nevada residents to purchase affordable health and dental plans.

Originally posted 8/14/24

via the Idaho Dept. of Insurance:

Each year, the Idaho Department of Insurance posts rate changes of individual and small group health insurance products so consumers can review and provide comments on the proposed increases.  Insurance companies submit proposed rates for the upcoming calendar year to the Department, along with descriptions and justifications for why the rates are reasonable and not excessive.  The Department of Insurance is seeking public input for rate changes of individual and small group health insurance products to improve insurer accountability and transparency.  By following the links below, the public can access a summary of the increase amounts and the carrier justifications for the rates.  Please submit any comments to the Department for consideration.

Preliminary Rates - 2025

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