Iowa’s dominant health insurer has agreed to start selling policies a year from now that qualify for Obamacare subsidies.
Wellmark Blue Cross & Blue Shield has not participated in the Affordable Care Act’s online health insurance marketplace, which launched in the fall of 2013. The main effect of the company’s decision was that moderate-income Iowans could not choose Wellmark insurance if they wanted to purchase policies that qualified for new federal subsidies to help pay premiums.
At the time, I noted that unlike most states, their effectuated numbers seem to have increased from February to March (January doesn't really apply since Open Enrollment was still ongoing at the time):
January 2016 Exchange-Based QHP Enrollment: 49,937 (+33,604 PAP enrollees)
February 2016 Exchange-Based QHP Enrollment: 53,109 (+38,735 PAP enrollees)
March 2016 Exchange-Based QHP Enrollment: 55,212 (+43,732 PAP enrollees)
According to the Kaiser Family Foundation, California averaged around 7.8 million Medicaid/CHIP enrollees prior to the ACA; this number has since shot up about 58%, to 12.3 million people.
One of the chief arguments in favor of the ACA has always been that uninsured people tend to not get treated for ailments/injuries at all (for obvious reasons), and then end up going to the emergency room when that gangrenous foot leaves them no choice. Not only does this end up costing much more to treat, the hospital is also stuck footing the bill (no pun intended) since the uninsured also tend not to have any money to pay out of pocket either (if they did, the odds are that they'd have some form of insurance, after all).
The conservative Republican Study Committee (RSC) on Friday submitted its recommendations for a Republican replacement for ObamaCare as it seeks to shape a plan being formed by a group of House chairmen.
The recommendations come from the RSC’s already-existing legislation, the American Health Care Reform Act, which would completely repeal ObamaCare and replace it with a new system.
AT LAST!! A completely new "system"! Let's take a look:
The proposal would replace ObamaCare’s refundable tax credits with a tax deduction, which tends to provide less help to low-income people by reducing the taxes people owe rather than allowing for the possibility of getting money back in a refund.
Ah, yes...because "less help" is exactly what low income people need most these days. Go on...
In a classic case of missing the forest for the trees, I posted two very wonky, detailed entries over the past couple of days about Minnesota and Connecticut's latest enrollment numbers...but completely missed one crucially important data point.
There's a bunch of different numbers there, but as far as I can tell, the one I'm looking for is "Effectuated Enrollments with APTC/CSR (medical)" combined with "Effectuated Enrollments Without APTC/CSR (medical)". That's 69,519 + 46,371 = 115,890 effectuated, individual, medical QHP enrollees as of 3/31/16.
Based on that discrepancy, the MA Health Connector has increased their enrollment by either a nominal 0.6% or an impressive 9.5%, depending on what you use as the starting number.
Well, this morning I've found a similar report for the Washington exchange, and this one makes even less sense to me because it not only contradicts the ASPE report, it seems to contradict the WA exchange itself.
I noted last month that the Massachusetts Health Connector had increased their effectuated QHP enrollee total by around 12,000 people in the first month of the off season, which goes against the expected net attition expected once Open Enrollment ends.
However, I also noted that MA is unusual in that most of their exchange QHPs are in the form of "ConnectorCare" plans, which are availble for enrollment year round, just like Medicaid and SHOP enrollment. As a result, this increase, while legitimate, can not be used to extrapolate anything nationally.