Maryland Insurance Administration Approves 2023 Affordable Care Act Premium Rates
Reinsurance Program Continues Positive Impact on Individual Rates, Keeping Rate Increases Below Inflation
BALTIMORE – State Insurance Commissioner Kathleen A. Birrane today announced the premium rates approved by the Maryland Insurance Administration (MIA) for individual and small group health insurance plans to be offered in the state for coverage beginning Jan. 1, 2023.
The rates for individual health insurance plans under the Affordable Care Act (ACA) will change/increase by an average of 6.6% this year. The approved rates are 4.4% lower on average than insurance carriers originally requested – a difference of more than $50 million in total annual premium savings for Maryland consumers.
It's been five months since my last attempt to estimate a grim but vitally important number: Just how many Trump voters vs. Biden voters have become fatal victims of the GOP/FOX News coordinated anti-vaxx/anti-mask campaign to date, and what sort of impact might this end up having on the midterm elections this November?
As I said at the time, I'm not going to attempt to justify this cynical bean counting anymore...the evidence is now overwhelming that Republican leadership, in coordination with outlets like FOX News and other right-wing outlets, made a conscious decision in spring 2021 to push hard against Americans getting vaccinated against COVID-19 for purely cynical political math reasons.
And yes, that's literally how the headline is worded in the official press release (via email, no link yet):
Statement by HHS Secretary Xavier Becerra on House Republicans Introducing Legislation to Rip Away Women’s Access to Contraception and Abortion Medication
Today, U.S. Department of Health and Human Services (HHS) Secretary Xavier Becerra released the following statement on House Republicans introducing legislation to deny women essential medications:
“Denying women the care they need is un-American—in fact, it’s dangerous. That sums up the latest move in Congress to try to take away women’s access to prescription medication for reproductive health. Under federal law, patients have the right to access the health care they need, free of discrimination. The Biden-Harris Administration will vigorously advance and protect women's rights to essential health care. We won’t hesitate to enforce the law.”
Below is a summary of the actions HHS has taken to ensure access to reproductive health care following the Dobbs v. Jackson Women’s Health Organization Supreme Court decision:
Today, the U.S. Department of Health and Human Services (HHS), through the Centers for Medicare & Medicaid Services (CMS), announced approval of the Oregon Health Authority’s proposal to cover community-based mobile crisis intervention services in Medicaid. Made possible by President Biden’s American Rescue Plan, the new first-in-the-nation Medicaid State plan amendment will allow Oregon to provide community-based stabilization services to individuals experiencing mental health and/or substance use crises throughout the state by connecting them to a behavioral health specialist 24 hours per day, every day of the year.
(LANSING, MICH) State of Michigan health leaders are advising Michiganders that a Texas federal judge’s decision in Braidwood Management Inc. v. Xavier Becerra does not currently change the preventive care to which they are entitled under the Affordable Care Act (ACA). Though the Braidwood ruling does not take immediate effect, and proceedings are ongoing, this case could ultimately have long-term impacts on the ACA and the health of Americans nationwide.
Back in May, Washington State was among the first to post their preliminary 2023 avg. individual market rate changes. At the time, there were 14 insurance carriers potentially offering 2023 plans, with a weighted average rate increase of around 7.2%.
Today, the Washington State insurance commissioner has posted a press release with final/approved 2023 premium rate changes, and the weighted average is actually a point higher (8.2%).
There's a caveat: Only 12 of the 14 carriers participating in the WA individual market are included; the other two, which are selling ACA plans off-exchange only, are still under review. However, those two carriers only make up around 0.6% of the total market, so that doesn't impact the overall average by more than a negligible amount.
State regulators have reduced the 2023 rates a bit from the original requests for some carriers (Bridgespan, Coordinated Care, Regence) but have increased them for others (Kaiser Foundation, LifeWise, Molina, Premera). A couple were kept pretty much identical to what the carriers had requested:
I spent over a year posting weekly updates to my vaccination-rate-by-partisan-lean graph. I then moved to monthly updates as I was backed up with other work, and my last one was back in July.
This will be my final update of this graph for four reasons:
First: I've more than made my point. There's really not much more to be said about the absurd & disturbing partisanship of COVID-19 vaccination rates that hasn't already been discussed ad nauseum here and elsewhere.
Second: The 1st- & 2nd-dose vaccination rates have slowed to a trickle across the nation overall anyway; by my count, only around 1.2 million Americans have completed their 2nd vaccination dose since mid July. That's only around 22,000 per day nationally.
Third, we're now 2 1/2 years out from the official 2020 Census population data, which means the denominator I've been dividing into for all of this data is now pretty out of date.
And fourth, the addition of 3rd & 4th shots (boosters as they're called), along with the just-approved Omicron-specific vaccine doses, have muddied the data waters pretty badly in a lot of parts of the country, with doses being miscategorized in databases, etc.
Having said that, here's my methodology reminders:
I go by county residents who have received the 2nd COVID-19 shot only (or 1st in the case of the J&J vaccine).
I base my percentages on the total population via the 2020 U.S. Census including all ages (i.e., it includes kids under 12).
For most 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:
Today, the U.S. Department of Health and Human Services (HHS), through the Centers for Medicare & Medicaid Services (CMS), approved the extension of Medicaid and Children’s Health Insurance Program (CHIP) coverage for 12 months after pregnancy in Indiana and West Virginia. As a result, up to an additional 15,000 people annually – including 12,000 in Indiana and 3,000 in West Virginia – will now be eligible for Medicaid or CHIP for a full year after pregnancy. With today’s approval, in combination with previously approved state extensions, an estimated 333,000 Americans annually in 23 states and D.C. are eligible for 12 months of postpartum coverage. If all states adopted this option, as many as 720,000 people across the United States annually would be guaranteed Medicaid and CHIP coverage for 12 months after pregnancy.
