Charles Gaba's blog

via Connect for Health Colorado:

Connect for Health Colorado, the state’s official health insurance marketplace, has announced that the maximum number of individuals (11,000) have submitted a Colorado Connect application for 2024 and been found eligible for Silver Enhanced Savings, the financial help for enrollees in the OmniSalud program.

Kevin Patterson, CEO of Connect for Health Colorado, released the following statement:

“We anticipated that we would see significant financial help determinations early in the enrollment period for OmniSalud; the response we saw yesterday and today has exceeded even our very high expectations. I’m truly grateful for and astounded by the response.

We understand people will be disappointed to learn the funding limit has already been reached, and we hope to continue to find ways to expand the program in the future to meet the demand. I want to express my gratitude for the additional spots made available this year as well as the extraordinary work from our enrollment network and community partners.

via Pennie, Pennsylvania's state-based ACA exchange:

Harrisburg, PA – November 1, 2023, marks the beginning of Pennie’s 2024 Open Enrollment Period, which is the annual time when Pennsylvanians who need health coverage can find high-quality health plans at the lowest costs.

Pennie is Pennsylvania’s official health insurance marketplace, and the only source for financial savings to lower monthly premium payments or out-of-pocket costs. Nine out of 10 Pennie customers qualify for financial savings.

Pennie ensures that all plans available provide access to a wide range of medical services, including hospitalization, prescription drugs, maternity care, mental health services, and much more. Health plans through Pennie must cover care for pre-existing conditions, offer free preventive services, and provide important financial protections.

via Access Health CT:

Connecticut residents can work one-on-one with enrollment specialists to help them shop, compare and enroll in quality health coverage

HARTFORD, Conn. (Nov. 2, 2023) — Access Health CT (AHCT) today announced it will hold six enrollment fairs in November to help Connecticut residents shop, compare, and enroll or renew their health coverage during the current Open Enrollment period. Enrollment fairs are one-day events that provide customers free, in-person help from enrollment specialists. These events will take place in Danbury, Hartford, New Haven, New London, Stamford and West Haven.

via DC Health Link:

Wednesday, November 1, 2023

DC Health Link Open Enrollment Begins Today, Runs Through January 31, 2024; Monthly Premiums Start as Low as $13/Month

Washington, DC–Today, as the 2024 Open Enrollment period begins, Mayor Muriel Bowser and DC Health Link encourage residents to sign up for high-quality, affordable health insurance at, the District’s online state-based health insurance marketplace. Open Enrollment for DC individuals and families begins today, November 1, 2023, and runs through January 31, 2024.

“Making sure everyone in DC has access to comprehensive, affordable health insurance is one of the many ways we are working to keep DC healthy and our residents’ healthcare costs down,” said Mayor Bowser. “Whether you are uninsured and need a policy or are looking for a more affordable way to keep you and your family covered, there is a plan for you at”

via the Maine Dept. of Health & Human Services:

As Open Enrollment launches today, tens of thousands of Mainers qualify for help to pay their monthly premiums

AUGUSTA — The Maine Department of Health and Human Services (DHHS) announced today that Maine people can now visit to shop for and enroll in 2024 coverage that fits their needs at a price that works during the Open Enrollment Period that kicks off today, November 1, 2023.

At, Maine's Health Insurance Marketplace, Maine people can compare private plans, apply for financial savings, and enroll in a 2024 health or dental insurance plan. All plans offered on provide quality, comprehensive insurance that protects consumers if they have an accident or major illness and fully pays for preventive screenings. This year, Maine people can continue to take advantage of additional federal financial assistance that makes insurance more affordable.

Originally posted 8/07/23; updated 11/02/23

Hawaii only has two health insurance carriers serving the individual market, Hawaii Medical Service Assocation and Kaiser Foundation Health Plan. Both of them have submitted their proposed premium rate filings for 2024; HMSA is asking for a dramatic 12.2% rate hike while Kaiser Foundation is seeking a more modest 3% increase.

From the HMSA filing summary:

Our requested rates include only the amounts needed to cover the expected health care benefits of our members, the cost of administering their benefits, expected Affordable Care Act (ACA) fees, a small charge to help manage the risk of offering benefits to this population, and a small margin that will allow us to continue replenishing HMSA’s reserves.

Originally posted 7/26/23; updated 11/02/23

via Covered California:

Covered California’s Health Plans and Rates for 2024: More Affordability Support and Consumer Choices Will Shield Many From Rate Increase

SACRAMENTO, Calif. — Covered California announced its health plans and rates for the 2024 coverage year with a preliminary weighted average rate increase of 9.6 percent.

The rate change can be attributed to many factors, including a continued rise in health care utilization following the pandemic, increases in pharmacy costs, and inflationary pressures in the health care industry, such as the rising cost of care, labor shortages and salary and wage increases.

Originally posted 08/07/2023; updated 11/02/23

Florida state law gives private corporations wide berth as to what sort of information, which is easily available in some other states, they get to hide from the public under the guise of it being a "trade secret."

In the case of health insurance premium rate filing data, that even extends to basic information like "how many customers they have."

If you think I'm being sarcastic, this is literally a screenshot of what you get if you attempt to use the Florida Office of Insurance Regulation's filing search:


Back in June (updated in July), I posted an analysis of the preliminary 2024 rate filings for Michigan's individual & small group market carriers. At the time, there wasn't anything terribly interesting going on in my home state other than Humana and McLaren pulling out of the small group market (Humana is doing this nationally). Overall 2024 rate increases averaged 5.6% and 7.1% on the indy and small group markets respectively.

Yesterday, however, the Michigan Dept. of Insurance & Financial Services posted the final/approved rate filings for 2024, and while there were only a couple of very minor tweaks to most of the preliminary requests, there's one important change: US Health & Life Insurance Co. is no longer going to be on the Michigan individual market at all:

In August I posted the average rate changes being requested for 2024 by New Jersey insurance carriers on the individual & small group markets; it came in at ~6.6% for the indy market and 12.2% for the small group market...but those was unweighted by carrier market share.

Yesterday, with the launch of the 2024 Open Enrollment Period, the New Jersey Insurance Dept. has posted the final/approved rate filings...and while they don't appear to have made any changes to the preliminary requested rate changes, they do include the overall weighted rate increases (unfortunately I still don't know how many enrollees each carrier has).

The weighted rate hikes are just 4.4% on the individual market and 7.3% for small group plans. It's also worth noting that UnitedHealthcare is newly joining the NJ individual market: