HOWEVER, you can still #GetCovered for the rest of 2021 in a few states (including two of the largest ones), and there are still millions of uninsured Americans nationally who are eligible for ACA-compliant coverage for the rest of this year via other options. Let's review!
2021 ACA Special Enrollment Period (SEP): If you live in California, Connecticut, the District of Columbia, New Jersey, New York or Vermont, the deadline for the "no questions asked" SEP goes beyond 8/15. In CA, DC & NY it actually runs through the end of the year!
My recent obsession with COVID vaccination rates means that I've fallen embarrassingly behind on my annual ACA rate change project, and nothing illustrates this more than the fact that Covered California issued this press release over two weeks ago and I'm just now getting to writing about it:
The American Rescue Plan will continue to provide lower premiums, at levels never seen before, throughout the entire 2022 coverage year.
The new and expanded financial help has led to a record 1.6 million people enrolled in Covered California, which gives the state one of the healthiest consumer pools in the nation for the seventh consecutive year.
The record enrollment and healthy consumer pool were key factors in negotiating a preliminary rate increase for California’s individual market of just 1.8 percent in 2022, and a three-year average of only 1.1 percent (2020-2022).
With expansions of coverage by several carriers and a new carrier in one region, consumers will have even more choice: All Californians will have two or more choices, 94 percent will be able to choose from three carriers or more, and 81 percent of Californians will have four or more choices.
Consumers can sign up now to benefit from the increased financial help provided by the American Rescue Plan, which is lowering premiums and enabling 700,000 people to get covered for only $1 per month.
For my county-level vaccination rate graphs, I go by FULLY vaccinated only (2 doses of the Pfizer or Moderna vaccine or one dose of the Johnson & Johnson vaccine).
I base my percentages on the total population, as opposed to adults only or those over 11 years old.
For 42 states + DC I use the daily data from the Centers for Disease Control, but there are some where the CDC is either missing county-level data entirely or where the CDC data is less than 90% complete at the county level. Therefore:
For Colorado, Georgia, New Mexico and Texas, I'm using their COVID vaccine dashboards set up by the state health departments.
For California, I'm using the CDC data for most counties and the state health dept. dashboard data for the 8 small counties which the CDC isn't allowed to post data for.
The 5 major U.S. territories don't vote for President in the general election, preventing me from displaying them in the main graph, but I have them listed down the right side.
Last week I gave a rough estimate of perhaps another 340K more new enrollees via HC.gov for the month of June along with another ~135K via the 15 SBMs, which would bring the grand total up to around 2.57 million nationally.
Five days ago I noted that, based on an offhand comment I heard during a White House webinar about the ongoing ACA Special Enrollment Period, it sounds like HealthCare.Gov quietly added over 100,000 new enrollees during the final week of July.
Based on this and the existing data I have from HealthCare.Gov and the 15 state-based ACA exchanges, I concluded that:
Also, as always, remember that everything above refers to the federal exchange only; the 15 states which operate their own ACA exchanges comprise roughly 29% of the 2.1 million QHP selections nationally as of the end of June. A couple of state-based exchanges have already terminated their own SEPs (Idaho, Minnesota and Massachusetts), but the rest are still chugging along, so assuming a similar ratio for July, that would put the monthly total at around 475,000 nationally, for a grand total of roughly 2.57 million or so as of July 31st.
Welp. Back in March, I wrote a 3-part series about what types of healthcare policy improvements/upgrades might be in the offering now that Democrats have taken control of the White House, (just barely) retained control of the House of Representatives and (just barely) taken control of the Senate (mostly).
Given the razor-thin margins in both the House and especially the Senate, I was already cautioning people to pare back expectations for the 117th Congressional Session. No, Medicare for All wasn't gonna happen. No, Medicare for America wasn't gonna happen. I already knew that even President Biden's own less-dramatic federal Public Option was unlikely to happen.
At the time, however, it did seem like at least a few Big Ticket items might make the cut, hopefully including:
Today, the Centers for Medicare & Medicaid Services (CMS) released new data that shows returning consumers can save, on average, 40% off of their monthly premiums because of enhanced tax credits in the American Rescue Plan (ARP), which President Biden has proposed to extend as part of his Build Back Better Agenda. Since the implementation of the tax credits on April 1, 2021, 34% of new and returning consumers have found coverage for $10 or less per month on HealthCare.gov. A state-by-state breakdown of savings is available here.
