Charles Gaba's blog

via Access Health CT:

Connecticut residents can shop, compare and enroll in quality health insurance plans from Nov. 1, 2024 through Jan. 15, 2025

HARTFORD, Conn. (Oct. 31, 2024) — Access Health CT (AHCT) announced the Open Enrollment period begins Nov. 1, 2024 and ends Jan. 15, 2025. Connecticut residents can shop, compare, and enroll in health insurance plans or renew their coverage. Customers may also enroll in dental insurance through AHCT.

When you enroll affects when your coverage starts. If customers enroll on or before Dec. 15, 2024, coverage will start Jan. 1, 2025. If they enroll between Dec. 16, 2024 and Jan. 15, 2025, coverage will start Feb. 1, 2025.

via Covered CA:

La versión en español de este Comunicado puede ser descargada en este enlace.

Covered California launched its “Let’s Talk Health” campaign for 2025 open enrollment at the Fresno City College Library today. Open enrollment — which begins on Nov. 1 and runs through Jan. 31, 2025 — is when Californians can sign up for, renew or shop for a new health insurance plan.

Over 5.9 million Californians have had health insurance through Covered California since the exchange opened its doors in 2014, including nearly 1.8 million who are currently enrolled.

Every month for years now, the Centers for Medicare & Medicare Services (CMS) has published a monthly press release with a breakout of total Medicare, Medicaid & CHIP enrollment; the most recent one was posted in late February, and ran through November 2022.

Since December 2022, however, they haven't sent out the normal press release; instead, they included a brief note leading to a Medicaid/CHIP data slideshow , along with another note leading to their new Medicare Monthly Enrollment database.

In any event, according to the spreadsheet I exported, as of July 2024:

Every month for years now, the Centers for Medicare & Medicare Services (CMS) has published a monthly press release with a breakout of total Medicare, Medicaid & CHIP enrollment; the most recent one was posted in late February, and ran through November 2022.

Since December 2022, however, they haven't sent out the normal press release; instead, they included a brief note leading to a Medicaid/CHIP data slideshow , along with another note leading to their new Medicare Monthly Enrollment database.

In any event, according to the spreadsheet I exported, as of June 2024:

via the Centers for Medicare & Medicaid Services (CMS):

  • In July 2024, 79,560,396 individuals were enrolled in Medicaid and CHIP, a decrease of 403,074 individuals (0.5%) from June 2024.
    • 72,429,055 individuals were enrolled in Medicaid in July 2024, a decrease of 441,475 individuals (0.6%) from June 2024.
    • 7,131,341 individuals were enrolled in CHIP in July 2024, an increase of 38,401 individuals (0.5%) from June 2024.
  • As of July 2024, enrollment in Medicaid and CHIP has decreased by 14,455,287 individuals (15.4%) since March 2023, the final month of the Medicaid continuous enrollment condition under the Families First Coronavirus Response Act (FFCRA) and amended by the Consolidated Appropriations Act, 2023.
    • Medicaid enrollment has decreased by 14,440,102 individuals (16.6%).
    • CHIP enrollment has decreased by 15,185 individuals (0.2%).
  • Between February 2020 and March 2023, enrollment in Medicaid and CHIP increased by 23,109,188 individuals (32.6%) to 94,015,683.
    • Medicaid enrollment increased by 22,819,861 individuals (35.6%).
    • CHIP enrollment increased by 289,327 individuals (4.2%).

via the Centers for Medicare & Medicaid Services (CMS):

  • In June 2024, 79,963,470 individuals were enrolled in Medicaid and CHIP, a decrease of 851,310 individuals (1.1%) from May 2024.
    • 72,870,530 individuals were enrolled in Medicaid in June 2024, a decrease of 838,377 individuals (1.1%) from May 2024.
    • 7,092,940 individuals were enrolled in CHIP in June 2024, a decrease of 12,933 individuals (0.2%) from May 2024.
  • As of June 2024, enrollment in Medicaid and CHIP has decreased by 13,943,010 individuals (14.8%) since March 2023, the final month of the Medicaid continuous enrollment condition under the Families First Coronavirus Response Act (FFCRA) and amended by the Consolidated Appropriations Act, 2023.
    • Medicaid enrollment has decreased by 13,860,029 individuals (16.0%).
    • CHIP enrollment has decreased by 82,981 individuals (1.2%).
  • Between February 2020 and March 2023, enrollment in Medicaid and CHIP increased by 22,999,985 individuals (32.4%) to 93,906,480.
    • Medicaid enrollment increased by 22,681,263 individuals (35.4%).
    • CHIP enrollment increased by 318,722 individuals (4.6%).

Originally posted 9/09/24

Ah, at last, another state which includes both the average requested rate changes for 2024 as well as the number of enrollees each carrier has for both the individual and small group markets in clear, transparent language!

Generally, according to NC Insurance laws, health insurance rates must not be excessive, inadequate, or unfairly discriminatory, and must exhibit a reasonable relationship to the benefits provided in the policy.

Overall, individual market carriers in North Carolina are requesting 7% rate increases in 2025 for unsubsidized policies, while small group market carriers are asking for a 6.5% bump. It's worth noting that one of the three (!) UnitedHealthcare divisions is pulling out of the NC small group market next year for whatever reason.

via the Centers for Medicare & Medicaid Services (CMS):

Today, the U.S. Department of Health and Human Services (HHS), through the Centers for Medicare & Medicaid Services (CMS), approved section 1115 demonstration amendments that allow, for the first time ever, Medicaid and Children’s Health Insurance Program (CHIP) coverage of traditional health care practices provided by Indian Health Service (IHS) facilities, Tribal facilities, and urban Indian organizations (UIO). Today’s action is expected to improve access to culturally appropriate health care and improve the quality of care and health outcomes for tribal communities in Arizona, California, New Mexico, and Oregon, and will support IHS, Tribal, and UIO facilities in serving their patients. 

Currently, the Affordable Care Act's preventative services mandate requires most employer-provided & individual market healthcare policies to provide coverage for the following types of birth control products & services:

Plans in the Health Insurance Marketplace® must cover contraceptive methods and counseling for all women, as prescribed by a health care provider.

Plans must cover these services without charging a copayment or coinsurance when provided by an in-network provider — even if you haven’t met your  deductible

Covered contraceptive methods

FDA-approved contraceptive methods prescribed by a woman’s doctor are covered, including:

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