Charles Gaba's blog

Idaho

Via the Idaho Insurance Dept:

Idaho Rate Review Individual

The Department of Insurance receives preliminary health plan information for the following year from insurance carriers by June 1 and reviews the proposed plan documents and rates for compliance with Idaho and federal regulations.The Department of Insurance does not have the authority to set or establish insurance rates, but it does have the authority to deem rate increases submitted by insurance companies as reasonable or unreasonable. After the review and negotiation process, the carriers submit their final rate increase information.The public is invited to provide comments on the rate changes. Please send any comments to Idaho Department of Insurance.

It's important to note that the rate changes on the actual tables posted on the Insurance Dept. site are rounded off to the nearest percentage. It's also important to note that when I click through to the actual rate filings and plug in the more exact averages along with the number of members to calculate the weighted average, I got slightly different numbers:

District of Columbia

via the DC Dept. of Insurance, Securities & Banking:

Information About Proposed Rates for January 2022 Health Plan Offerings on DC Health Link

This page contains proposed health plan rate information for the District of Columbia’s health insurance marketplace, DC Health Link, for plan year 2022.

The District of Columbia Department of Insurance, Securities and Banking (DISB) received 184 proposed health insurance plan rates for review from Aetna, CareFirst BlueCross BlueShield, Kaiser Permanente and United Healthcare in advance of open enrollment for plan year 2022 on DC Health Link, the District of Columbia’s health insurance marketplace.

The four insurance companies filed proposed rates for individuals, families and small businesses for the 2022 plan year. Overall, 184 plans were filed, compared to 188 last year. The number of small group plans decreased from 163 to 157, and the number of individual plans increased from 25 to 27.

Delaware

via the Delaware Insurance Dept:

Health Insurance rate filings are available for the companies listed below. Additional companies will be listed as their filings are received. Any insurance filings already approved are available to the public through the NAIC’s System for Electronic Rate and Form Filing (SERFF) interface. There is no fee for using SERFF. Rate info can also be accessed at the Rate Review page at Healthcare.gov

Highmark BCBSD Inc: (individual market)

Highmark DE is requesting an average plan level rate increase of 4.0% based on the projected enrollment mix by plan. The plan level rate changes will impact an estimated 26,568 current members. The rate change will vary by product ranging from a minimum of 1.7% to a maximum of 14.7%.

Connecticut

via the Connecticut Insurance Dept:

The Connecticut Insurance Department has posted the initial proposed health insurance rate filings for the 2022 individual and small group markets. There are 15 filings made by 11 health insurers for plans that currently cover approximately 222,700 people.

Anthem and ConnectiCare Benefits Inc. (CBI) have filed rates for both individual and small group plans that will be marketed through Access Health CT, the state-sponsored health insurance exchange. ConnectiCare Insurance Company, Inc. will begin participating on the exchange in the individual market effective 1/1/2022.

Cigna Health and Life Insurance Company began participating in the small group market 7/1/2021.

The 2022 rate proposals for the individual and small group market are on average higher than last year:

The proposed average individual rate request is an 8.6 percent increase, compared to 6.3 percent in 2021 and ranges from 5.1 percent to 12.3 percent.

CMS Logo

via CMS:

The Biden-Harris Administration is expanding the number of Navigator organizations to help people enroll in coverage through the Marketplace, Medicaid, or the Children’s Health Insurance Program (CHIP) in 30 states with a Federally-Facilitated Marketplace. Through $80 million in grant awards for the 2022 plan year, 60 Navigator awardee organizations will be able to train and certify more than 1,500 Navigators to help uninsured consumers find affordable and comprehensive health coverage.

Maryland Health Connection

via Maryland Health Connection:

200,000 MARYLANDERS GAINED HEALTH COVERAGE THROUGH THE CORONAVIRUS SPECIAL ENROLLMENT

  • Special enrollment in response to pandemic ran from March 2020 to August 2021

(BALTIMORE) — A total of 201,141 Marylanders enrolled through the Coronavirus Emergency Special Enrollment on Maryland Health Connection from March 16, 2020 to its conclusion on Aug. 15, 2021.

The numbers here are certainly good news and pretty impressive, but it's really, really important to keep that start date in mind when looking at them.

The 17-month special enrollment in response to the pandemic was one of the longest of any state in the country. It was extended several times in 2020 and 2021 as the emergency continued. In all:

Connect for Health Colorado Logo

via Connect for Health Colorado:

Connect for Health Colorado Has Enrolled More Residents in Health Coverage This Year Than Ever Before

  • Colorado's Marketplace is Keeping Residents Insured during the Pandemic

DENVER – Since Connect for Health Colorado re-opened enrollment on February 8, 2021, to help customers secure health coverage amid the ongoing coronavirus pandemic, approximately 36,350 residents have signed up for a health insurance plan. 

As of Sunday, August 15, the last day of the enrollment period, 216,350 Coloradans have signed up for a plan that provides coverage this year. That total is 21,000 more health insurance plan sign ups than the same day last year— a nearly 11 percent increase. 

COVID-19 Vaccine

Methodology reminders:

  • I go by FULLY vaccinated residents only (defined as 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.
  • 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.
Covered California Logo

I don't write about standalone dental insurance plan coverage very often (and honestly, neither does HealthCare.Gov or the state-based ACA exchanges), but it's obviously pretty important.

Today, Covered California made a rare announcement about dental plans:

Covered California Announces Premium Decrease for Dental Plans in 2022

Medicaid Expansion map

From about six weeks ago:

KFF estimate that as of today, nearly 2.2 million Americans currently fall into the "Medicaid Gap" in the 12 states which haven't expanded Medicaid under the Affordable Care Act yet...

They also estimate that another 1.8 million uninsured Americans who are eligible for subsidized ACA exchange plans who would be eligible for Medicaid instead if those state actually did expand Medicaid (and perhaps another 100K in Missouri). That's nearly 4.0 million total...

So, how to crack this nut in these holdout states, all of which are either completely or partially controlled by Republicans who have adamantly refused to expand the program no matter what all these years?

Well, there's several options:

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