Charles Gaba's blog

  • PRELIMINARY numbers since they still have an overtime period
  • 100K in final 4 days
  • 425K new consumers (295K - 450K target)
  • 18-34: 37% of new folks vs. 29% & 34% in first 2 years
  • That means better rates/more stable market
  • weighted avg. of 4.2% & 4.0% hikes in 2015 & 2016
  • 2016 active switchers: reduced premiums by 4.5% on average
  • demographic data coming soon
  • 1.15 million renewals (vs. 940K renewals last year)
  • (me: that's 1.575M QHPs total)
  • REMINDER: If you started before 1/31/16, you still have until Saturday night to finish the process

UPDATE: Offiical Press Release:

SACRAMENTO, Calif. — With three days left for consumers to finish their applications for affordable, quality health care coverage through the Patient Protection and Affordable Care Act, Covered California announced that more than 425,000 consumers had made plan selections during its third open-enrollment period.

UPDATE 4:00pm: OK, the HHS call is over now (see notes below), but now I'm on the Covered California call...and my kid gets off the school bus in 10 minutes, so it'll be a bit before I can post a fuller analysis of anything.

OK, everyone, here we go...a press call with the heads of HHS/CMS/HC.gov:

  • Secretary Sylvia M. Burwell, U.S. Department of Health and Human Services
  • Andy Slavitt, Acting Administrator, Centers for Medicare and Medicaid Services
  • Kevin Counihan, CEO, Health Insurance Marketplace

Remember, last years' total exchange enrollment was around 11.7 million nationally (8.8 million via HC.gov). HHS's official projection for 2016 was only around 10% higher (officially between 11.0 - 14.1 million, with a midrange around 12.6 million or so), while mine was more ambitious (around 25% higher overall, or 14.7 million).

Some Guy, 11/19/15:

Regular readers know that although I do spend a lot of time updating this website, I do still have to do my day job running a website development firm. As a result, I'm simply not able to keep up with every healthcare-related hot tip which comes my way.

So, when the following link was forwarded to me a few days ago, while I did find out more details from the sender, I didn't happen to get around to actually posting anything about it before today:

UnitedHealthcare Announces Changes to 2016 Exchange Sales and Compensation

Over the past few months, we've seen an acceleration of changes in the health insurance market. UnitedHealthcare is continually evaluating all aspects of the evolving exchanges so that we can provide coverage options that best meet consumers' health care and financial needs.

Coming on top of yesterday's announcement that their state exchange broke the 200,000 QHP enrollment mark this year, Washington State Insurance Commissioner Mike Kreidler has released a new report laying out the uninsured rate for the entire state population:

OLYMPIA, Wash. – The number of people without health insurance in Washington state has dropped from 14.5 percent in 2012 to an estimated 7.3 percent or 522,000 people in 2015, according to a new report issued today by Insurance Commissioner Mike Kreidler.

Nearly every county in Washington saw a drop in the uninsured

The report highlights the positive impact of the federal Affordable Care Act in Washington with county-by-county data on the uninsured and the law’s effect on many segments of the population.

I just received an update out of the Maryland Health Connection:

As of 2/1, total QHPs are 165,123 (49,377 new + 115,746 renewal-active and passive).

It's important to note that Maryland is still taking OE3 enrollees through Friday via their "In Line by Midnight" extension due to the lingering impact of the snowstorm a couple of weeks back, so MD's final official number will actually be slightly higher than this.

Even without the stragglers, however, Maryland kicked butt again this year, enrolling over 10% more people than the 150K that both they and I were expecting (and even more than my preliminary projection of 163K)...and a whopping 37% higher than 2015's total.

This just in from HealthSource RI:

PROVIDENCE – HealthSource RI (HSRI) has released certain enrollment, demographic and volume data through Saturday, January 31, 2016 for Open Enrollment.

INDIVIDUAL AND FAMILY ENROLLMENT • As of January 31, 2016:

  • 34,670 individuals are enrolled in 2016 coverage through HSRI, paid and unpaid.
  • The majority of these individuals are 2015 HSRI enrollees that were auto-renewed into a 2016 plan.
  • 7,538 of the 34,670 individuals have selected a plan for 2016 coverage and are new to HSRI this year or returning after being enrolled with HSRI at some point during a prior year.

32,286* of the 34,670 individuals are enrolled in 2016 coverage through HSRI, and have paid their first month’s premium.
*The number of paid enrollments is expected to increase as individuals pay for March coverage through the February 23 payment deadline. 

Back in November, one of the big ACA stories was UnitedHealthcare, shortly after releasing third quarter financial results which made it sound like all was well with their ACA exchange business, dropping a bombshell only a month later stating that they were losing hundreds of millions of dollars on the exchanges and were very likely to drop out next year.

This caused all sorts of shockwaves among the insurance industry, and of course gave ACA critics more ammunition with which to attack Obamacare as a whole, calling it evidence of the system being a failure, etc etc...even though several other major insurance carriers on the exchanges didn't seem to be complaining (or at least weren't making it out to be nearly as dire of a situation as UHC).

At the end of December, UnitedHealthcare (along with some other carriers) complained about CMS publicly posting their proposed rate increases:

UPDATE: OK, the live stream was over hours ago. I can no longer embed the entire hearing, but here's a direct link to watch it over at C-SPAN's website.

However, just to give you a taste of how jaw-dropping this hearing was, watch Rep. Elijah Cumming's question period with the head of Michigan's Dept. of Environmental Quality:

For a full write-up of the hearing, visit Eclectablog.

Isaac Bashevis Singer is famous for, among other things, his collection of Yiddish folk tales about The Wise Men of Chelm, a town in Poland which, according to the folk tales, was populated entirely by fools.

One of the stories about the people of Chelm was about a playground located near the top of a cliff. Every once in awhile, a child would fall off the cliff and injure themselves on the ground below.

The Wise Men of Chelm came up with an ingenious solution to the problem: They built a hospital at the bottom of the cliff. That way, the children could be rushed into the emergency room quickly for medical treatment.

I was reminded of this story when reading the following AP article posted moments ago:

LANSING, Mich. (AP) — Michigan Gov. Rick Snyder will propose $30 million in state funding...

(thanks to Hector Solon for the tip)

OK, as far as crimes and/or stupidity by the Michigan GOP goes, this is pretty small potatoes these days. Even so...

So, you may have heard that the Republican-controlled Michigan state legislature recently passed (and Governor Rick "Leadfoot" Snyder signed) a dead-of-night bill which, for absolutely no reason whatsoever...

...bans any public body or public official, except for “an election official in the performance of his or her duties,” from using public funds to issue any kind of communication that “references a local ballot question, and is targeted to the relevant electorate where the local ballot question appears on the ballot,” in the 60-day run-up to an election.

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