Charles Gaba's blog

As of midnight last night, the Massachusetts Health Connector just reported:

  • 40,065 QHPs selected and paid for
  • 34,138 QHPs selected but not paid for yet
  • 74,203 QHPs selected total, with a 54% payment rate so far

MA has extended the payment deadline until 12/28, so the other 34K still have 5 days (including today) to make their first payment; if they miss that deadline but still pay up, they'll still be covered starting on February 1st.

Assuming 25,200 of these folks make their first payment by the 28th, they'll hit my 88% "rule of thumb" rate for January. Over 8,100 people made payments yesterday alone, so I'm not terribly concerned about this issue. It'll be interesting to see how many make the cut, given all the "but how many have PAID???" fuss and bother last year (last year, MA & WA were the only states which reported paid only numbers to HHS, but it was still messy in MA's case given their technical problems).

No press release yet, but here's the latest numbers out of Vermont:

The following numbers are as of Sunday, December 21, 2014:

  •     Renewals: 22,640 individuals have been checked out into 2015 health plans.
  •     New to Vermont Health Connect: 5,663 individuals have been checked out into 2015 health plans.

Customer Support Center Metrics (Week of Dec. 15-20):

  • Number of calls: 9,948
  • Average wait: 26.4 seconds
  • Number of calls answered in less than 30 seconds: 80.9%

One more big update tonight...the Washington exchange posted this press release earlier today:

Washington Healthplanfinder Reminds Residents to Get Enrolled by 5 p.m. Today
Renewing Customers Must Also Take Action to Avoid a Gap in Coverage

OLYMPIA, Wash. – The Washington Health Benefit Exchange is reminding residents today to select and pay for a Qualified Health Plan through www.wahealthplanfinder.org by 5 p.m. for coverage that begins on Jan. 1, 2015. As of yesterday, more than 92,000 residents have enrolled for coverage that starts in 2015, with 22,710 of those customers enrolling for the first time in a Qualified Health Plan.

Interest surrounding the Dec. 23 deadline has been strong with approximately 30,000 calls to the Customer Support Center since Friday, Dec. 19. Nearly 7,000 customers enrolled in a Qualified Health Plan from Friday to Sunday alone.

Remember last week when I noted that the "Healthy Michigan" program (MI's implementation of ACA Medicaid expansion) had reached 487,000 people, which was actually 2% more than the official estimate of how many Michiganders are even eligible for the program?

I made sure to note that this was just an estimate, after all, and that some other estimates put the number as high as 500,000 even.

Well, guess what?

Healthy Michigan Plan Enrollment Statistics

Beneficiaries with Healthy Michigan Plan Coverage: 501,860
(Includes beneficiaries enrolled in health plans and beneficiaries not required to enroll in a health plan.)

*Statistics as of December 22, 2014 
*Updated every Monday at 3 p.m.

Yup. Even using the higher number, Michigan has still broken through it in less than 9 months. And if you go by the 477K estimate, that means my state has managed to enroll 5.2% more than that.

Today is the final day for Massachusetts residents to enroll in a private healthcare plan if they want coverage to start on January 1st. As of last night, they had a total of 248,711 eligibility determinations, of which 131,732 are for private QHP policies (the other 117K have already been enrolled in Medicaid, aka "MassHealth", which is impressive in and of itself).

So, how many of those nearly 132K people have actually selected a plan? Well, since open enrollment started on 11/15, anywhere between 45-55% of total QHP determinations as of that day have also selected a plan. If that was the case here, I'd say that the number is around 50%, or around 66,000, which would be an impressive 4,600 spike over yesterday's confirmed 64.1K.

UPDATE: OK, I've received the official total: As of midnight last night, 67,759 people had selected a policy, or 51.4%. I've also confirmed that about 47% had paid their first premium already...32,000 people, or more than the total enrollees as of last April.

This morning the HHS Dept. announced that QHP policy selections through 12/19 via the federal ACA exchange totalled 6.4 million people.

They also broke this number out (roughly) as being around 1.70 million manual renewals, 2.78 million automatic renewals and 1.92 million new additions.

I had estimated roughly 3.52 million not including autorenewals through the 12/15 deadline; the actual number looks like it was roughly 3.40 million (plus another 220K over the next few days). That means I was over by about 3.5% on that number.

Yet I underestimated by around 9% for the total. How could this be? Because I vastly underestimated the number of automatic renewals which would be put through.

I assumed around 6.1 million total renewals (manual + automatic). The total from HC.gov is around 4.48 million, leaving around 1.62 million renewals (again, manual plus automatic) from the other 14 state exchanges.

Check the Spreadsheet.

6.4 million via Healthcare.Gov (37 states) + more than a million via the other 13 states (+DC) = 7,438,851 confirmed to date.

Note that this is only through 12/19 for most states, and that the January enrollment deadline still hasn't passed for 6 states (the deadline for MA & WA is today; for RI, VT, MN and HI it's not until New Year's Eve).

I'm still pouring over the numbers from the state exchanges (not a typo...I actually spilled hot chocolate near my keyboard...), but in terms of renewals, here's what it looks like so far (remember, there were around 6.7 million potential renewals to start with):

Holy Smokes!!

Again, I expected around 5.83 million QHP selections via HC.gov as of 12/19, including manual renewals, autorenewals and new additions.

The actual number? 6.4 Million. I underestimated by 9%.

More to come...

Today should be a big day in ACA enrollment news. It's the deadline for January enrollment in 2 more states (Massachusetts and Washington State). More to the point, the HHS Dept. is expected to release their 5th weekly "snapshot" report. This should be a big one, since it runs through 12/19, meaning it includes the big December 15th deadline which impacted all 37 states being run through HC.gov this year.

I don't know whether they'll just give the weekly numbers (through Friday the 19th) or if they'll also give a 12/15 number (remember, either one would be for HC.gov only, not including the 14 state-based exchanges).

I also don't know how they plan on reporting the millions of autorenewals which should have kicked in on Tuesday the 16th. If the snapshot runs through the 19th, they may be included in the "snapshot" total. Then again, they may be listed separately, or not at all. For all I know, some will be included but not others (it's possible that they've only processed a portion of them).

And Rhode Island jumps on the bandwagon...

PROVIDENCE, R.I. (AP) — Rhode Island's health insurance exchange is extending the deadline for residents hoping to sign up for coverage beginning on Jan. 1.

HealthSource RI announced on Monday that people who can't meet the original Tuesday deadline will now have until Dec. 31 to enroll. They must also pay the first month's premium by Jan. 15.

There's a catch, however:

HealthSource officials caution, however, that customers who enroll after Dec. 23 may not receive their insurance cards or have active coverage on the first of the year. That could mean having to pay upfront for any care they receive during the gap and be reimbursed by their insurer after submitting receipts.

Individuals can choose health plans and enroll for coverage through the HealthSource website. They can also call or visit walk-in centers in Providence or Warwick between 8 a.m. and 9 p.m.

That makes 4 states pushing things out until New Year's Eve: Vermont, Minnesota, Hawaii and now Rhode Island.

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