The Washington Health Benefit Exchange (Exchange) reports that tens of thousands of Washingtonians now pay less each month for healthcare coverage. Within two months of the American Rescue Plan Act (ARPA) becoming federal law, the Exchange passed on the expanded savings it made available to new and current customers on the state’s insurance marketplace, Washington Healthplanfinder.
“There has never been a better time to sign up for healthcare coverage in Washington,” said Pam MacEwan, Chief Executive Officer of the Exchange. “We’ve been hearing from people across the state who are saving hundreds or in some cases more than a thousand dollars per month.”
Tracy Roberts from Seattle posted to Facebook, “I just opened my bill for July and it’s $242 less than I presently pay . . . That’s incredible! Absolutely incredible and completely unexpected. Life will be a little easier for now.”
This, again, is a Big Deal for this year. Paired with the beefed-up APTC table, what it means is that if you're on unemployment this year you effectively don't have to pay anything for a benchmark Silver plan. I'm not sure if you have to be unemployed for the full year or not...the wording above sounds like even someone who's only on unemployment for one or two weeks would still be counted as having 133% FPL.
Sure enough, just about anyone who is either currently receiving unemployment benefits or who did earlier this year (or later this year, for that matter) is likely eligible for a FREE ($0* Premium) Silver CSR 94 plan...otherwise known as #SecretPlatinum:
I should also note that not every NBPP rule implemented by the Trump Administration (via CMS Administrator Seema Verma) has been terrible. Some are either perfectly in line with Obama-era NBPPs, inconsequential, and in a few cases have actually been good and helpful.
...Other proposed changes, however, can be either stupid or flat-out devastating. The proposed 2022 rule changes...which were pushed out after hours on Thanksgiving Eve, just 56 days before the Trump Administration ends...includes some OK ideas, but also includes some which would be harmful and one which would be disastrous (I've changed the order they're listed below to put the most troubling ones at the bottom):
The details get wonky, but the bottom line is that there were three proposed rule changes in particular which I was deeply concerned about:
As my regular readers know, a few weeks ago I dove head first into a 2-week project to graph out the COVID-19 vaccination levels per capita across all 3,100+ counties to see where things stood in all 50 states.
Given how insanely politicized the COVID pandemic has been due to the Trump Administration deliberately doing so right from the outset, I ran scatter plot graphs based on what percent of the popular vote was received in each county by Trump last November for every state.
Sure enough, I found a strong inverse correlation between the two in most states, and a weaker (but still significant) correlation in many others. Correlation does not equal causation, of course, and there are plenty of other factors involved in how rapidly a population gets vaccinated, but there's no denying that partisanship is pretty clearly a significant one.
Our son's GF moved here (Seattle) last summer from Florida. She was a few months after returning from a teaching gig in Korea (where they met), and unemployed. In FL she wasn't eligible for Medicaid, but a couple weeks after she got here I realized she would in WA.
So she signed up and it's been great, b/c in fact she did need quite a bit of overdue health services.
Now they are moving to Oregon next month and I told her, "so you're going to sign up there, right?". She tells me, "I'm not eligible there".
She shows me the Federal Benefits.gov site, and it lists for Oregon the Florida-like limitations: you have to be a parent or pregnant or disabled, etc.
I go, "that's strange..." and look up the California eligibility. Same story.
I look up WA's own eligibility according to benefits.gov - same story!!! Supposedly she's not eligible for the very same coverage she's actually enjoying right now with full approval.
Sec. 9663 – Application of premium tax credit in case of individuals receiving unemployment compensation during 2021
For 2021, provides advanced premium tax credits as if the taxpayer’s income was no higher than 133 percent of the federal poverty line (FPL) for individuals receiving unemployment compensation as defined in section 85(B) of the Internal Revenue Code.
This, again, is a Big Deal for this year. Paired with the beefed-up APTC table, what it means is that if you're on unemployment this year you effectively don't have to pay anything for a benchmark Silver plan. I'm not sure if you have to be unemployed for the full year or not...the wording above sounds like even someone who's only on unemployment for one or two weeks would still be counted as having 133% FPL.
I'm not gonna recap the whole thing yet again today (click the first link above for that), but I concluded the most recent chapter by noting:
Simply appropriating CSR payments and killing off Silver Loading would pay for more than 40% of the cost of massively upgrading the ACA (perhaps $250 billion of the $600 billion or so total 10-yr cost).
This would seem to be an obvious headline, but it's still important to have the official data. Via Rolling Stone:
This week CDC Director Dr. Rochelle Walensky said adult deaths from Covid-19 are “at this point entirely preventable” due to the effectiveness of vaccines. And a new analysis from the AP confirms what Walensky said.
According to the analysis of government data from May, released on Thursday, out of the 18,000 Covid-19 deaths during the month, approximately 150 were fully vaccinated people. That comes out to 0.8 percent, or an average of five deaths per day out of more than 200 average daily deaths. At the height of the pandemic in January of this year, average daily deaths were above 3,400 per day. Additionally, fully vaccinated people accounted for fewer than 1,200 of more than 853,000 hospitalized with the virus (0.1 percent).
Wolf Administration and Pennie Leadership Visit YMCA Health Equity Tour to Help Provide Affordable Health Coverage Resources, Health Services, and COVID-19 Vaccines to Pennsylvanians
York, PA – The Wolf Administration and Pennie leadership today provided information on health resources and affordable health coverage, as well as COVID-19 vaccinations to visitors during a YMCA Health Equity Tour at the York City Branch of the YMCA.
“The COVID-19 pandemic has intensified the health inequities across the commonwealth,” Pennsylvania Department of Health Acting Secretary Alison Beam said. “We are here at the York stop on the YMCA and Pennie Health Equity Tour to discuss a variety of educational health services and to encourage Pennsylvanians to receive a free COVID-19 vaccine today. We want to make sure all underserved communities are vaccinated and have an opportunity to enroll in affordable health coverage.”
For the past couple of weeks, I've been on a marathon session of analyzing and graphing out total enrollment in Medicaid in every state for each month from 2014 until now (using estimates based on the best available data for the first part of 2021).
Now that I've completed this for all 50 states +DC, I'm bringing it all together into a single national graph showing how enrollment has changed over time.
Aside from the initial ramping up of enrollment after ACA Medicaid expansion went into effect in most states starting in early 2014 (and an odd drop-off/jump in California in the third quarter of 2017), enrollment was pretty steady at the national level...until COVID struck in early 2020.
