An odd update from the DC exchange...not the update itself, which shows a modest-but-steady increase in QHP enrollment, but the fact that it only runs through July 9th even though it wasn't posted until yesterday (7/28). The prior update ran through July 1st, so that's a net gain of 197 people in 8 days, or about 24 per day. This is actually up slightly from the May/June average of 22/day.
Both the SHOP and Medicaid numbers also went up slightly as well, but again, this only covers an 8 day period:
Monday, July 28, 2014
Enrollment
From October 1, 2013 to July 9, 2014, 51,059 people have enrolled through DC Health Link in private health plans or Medicaid:
12,530 people enrolled in private health plans through the DC Health Link individual and family marketplace.
13,779 people enrolled through the DC Health Link small business marketplace.
24,720 people were determined eligible for Medicaid coverage through DC Health Link.
...After taking political heat for the exchange's technological failure, the appointees of Gov. John Kitzhaber are taking on a more significant role, transforming the agency for the future. At a time when critics of the agency say it should go away, it's the bureaucratic equivalent of an existential moment for an agency considered crucial to federal health reforms.
... The state's planned 2015 partnership with the federal exchange is called a "supported state-based" exchange. But it's supposed to be a temporary fix before setting up a full-fledged state-based exchange. It allows Oregon to keep insurer fees of about 2.5 percent of premiums for itself until the state resurrects its own website.
In any event, while there is indeed a small slowdown which seems to have kicked in since the COBRA extensions dropped out at the end of June, it's now looking more and more as though the huge drop I saw the first week of July was mainly a combination of a data entry error in Hawaii and the long 4th of July weekend in general.
Unfortunately, the full article is locked behind the paywall, but Taegan Goddard's WonkWire reports that "some" of the 36 states being run through HC.gov are taking various measures just in case the Halbig decision is ultimately upheld:
Wall Street Journal: “A number of states are scrambling to show that they—not the federal government—are or will soon be operating their insurance exchanges under the 2010 health law, in light of two court decisions this week.”
“The efforts are aimed at ensuring that millions of consumers who get insurance through the exchanges would be able to retain their federal tax credits if courts ultimately rule against the Obama administration.”
“Amid the uncertainty, some of the 36 states in which the federal government has a role in the exchanges are moving to shore up their status. Some are saying publicly that their exchanges have always been state-operated. Others are trying to make the case that they should be considered to have state exchanges regardless of federal involvement. Still others, such as Arkansas, are pushing ahead to take over their exchanges, which would likely free them from the effects of any court decision.”
Yes, 49 people is pretty tiny even for a state with as low an uninsured population as Hawaii, but it's still further evidence that the drop in QHP enrollments in the first week or so of July was either a typo or a data entry glitch, as the total has since risen for 2 weeks straight. SHOP enrollments haven't changed since 7/15:
Connector Updates as of July 19, 2014
33,042 Applications completed in the Individual Marketplace 9,724 Individuals and families enrolled in the Individual Marketplace
689 Employers applied to SHOP Marketplace
1071 Employees and dependents enrolled via SHOP Marketplace*
While all the fuss & bother over the Halbig case continues to get bopped around by every pundit under the sun (including me? Do I count as a pundit now?), the ACA itself continues to actually, you know, work as another 8,400 people are added to Medicaid via the expansion program here in Michigan:
Healthy Michigan Plan Enrollment Statistics
Beneficiaries with Healthy Michigan Plan Coverage: 334,599
(Includes beneficiaries enrolled in health plans and beneficiaries not required to enroll in a health plan.)
*Statistics as of July 21, 2014
*Updated every Monday at 3 p.m.
(Note that this is actually as of a week ago...there should be another update later this afternoon...)
As there are an estimated 500K eligible for the expansion program, this means that Michigan has already reached 2/3 of the total in less than 4 months.
A whole lot more has been & is being written about the Halbig decision & implications for the future of the ACA exchanges; here's three pieces I find most noteworthy:
So one important practical question Halbig raises is this: what makes a state exchange a state exchange? If the view of the 2-1 majority in Halbig were to prevail at the Supreme Court (a prospect I’d still consider unlikely, because the reading of the statute is so wildly implausible), then what is the minimum a state can do that counts as a “state exchange” for purposes of receiving the federal subsidies?
Nice find by Esther F. The main focus of the story is that a 5th insurance company has decided to join 4 others on New Mexico's ACA exchange, which is of course good news for competition, the free market and so forth...
The newest insurer is CHRISTUS Health Plan of Texas, Franchini said during a meeting of the NMHIX board in Santa Fe.
“CHRISTUS is a nonprofit and they will be on the exchange. They will be the fifth carrier on the exchange,” Franchini said.
CHRISTUS will join New Mexico Health Connections, Presbyterian Health Plan, Blue Cross and Blue Shield of New Mexico and Molina Healthcare of New Mexico as the firms that will sell in the individual exchange.
...however, Esther notes a potentially far more significant section of the story farther down. The backstory is this: New Mexico has been planning on running their own exchange for the 2nd year of open enrollment, but has more recently been having second thoughts given the various technical issues faced by some of the other state exchanges. Therefore...
So, this morning's big Halbig-related development is that Reason.com has dug up a video of a presentation by MIT economist Jonathan Gruber from January 2012. Gruber was one of the main architects of the health insurance law in Massachusetts (RomneyCare) and the national version (the ACA, aka Obamacare). In his presentation, Gruber states:
What’s important to remember politically about this is if you're a state and you don’t set up an exchange, that means your citizens don't get their tax credits—but your citizens still pay the taxes that support this bill. So you’re essentially saying [to] your citizens you’re going to pay all the taxes to help all the other states in the country. I hope that that's a blatant enough political reality that states will get their act together and realize there are billions of dollars at stake here in setting up these exchanges. But, you know, once again the politics can get ugly around this. [emphasis added]
