Back on March 10th, the Washington HealthPlanFinder became the first state-based ACA exchange/marketplace to formally create an official COVID-19 Special Enrollment Period, which was originally scheduled to have a deadline of April 8th.
Since that time, nearly every other state-based ACA exchange (all of them except for Idaho) has done likewise. Some of them required some sort of verbal or written attestation of thier eligibility status, while others didn't, but all of them were wide open to any uninsured resident who would normally be eligible to enroll during the official Open Enrollment Period.
The deadlines for the "open" COVID-19 SEP varied by state...but most of them ended up extending them out as that deadline approached. In some cases, they bumped it out again...and again...and yet again, as it became increasingly clear that the deadly pandemic isn't going away anytime soon.
Yesterday the Pennsylvania Insurance Dept. posted the preliminary 2021 rate filings for the individual and small group markets. On the surface, it appears that Pennsylvania has an absurdly competitive market, with 17 carriers listed on the indy market and 21 small group carriers...but when you look closer, many of these are simply branches of the same main company.
For instance, fully five of the individual market carriers are variants of "Highmark"...which is actually Pennsylvania's rebranding of Blue Cross Blue Shield. Two are branches of Geisinger and another two are both UPMC. The same is true in the small group market.
And don't even get me started about "Capital Advantage Assurance Company" and "Capital Advantage Insurance Company". Sheesh.
In any event, the overall rate filings average out to rougly a 2.6% premium decrease on the individual market and a 2.3% increase for small group plans, when weighted by carrier market share.
The Kentucky Insurance Dept. has posted KY's preliminary 2021 rate filings for the individual and small group markets, and the requested average rate increases for both are unusually high compared to the other states which have submitted their filings so far. In another unusual development, most of the carriers on each market are being pretty specific about the impact (or lack thereof) on their 2021 rate filings from the COVID-19 pandemic (I only have UnitedHealthcare posted once but they account for three of the seven small group carriers listed.
...Most troubling of all, perhaps, was a sentiment the expert said a member of Kushner’s team expressed: that because the virus had hit blue states hardest, a national plan was unnecessary and would not make sense politically. “The political folks believed that because it was going to be relegated to Democratic states, that they could blame those governors, and that would be an effective political strategy,” said the expert.
On Tuesday, August 4, all Missourians will have the chance to vote Yes On 2 to bring more than a billion of our tax dollars home from Washington every year – money that’s now going to places like California and New York instead.
By bringing our tax dollars home, we can protect thousands of frontline healthcare jobs, help keep rural hospitals open, and deliver healthcare to Missourians who earn less than $18,000 a year. That includes thousands of veterans and their families, those nearing retirement, working women who don’t have access to preventive care, and other hardworking Missourians whose jobs don’t provide health insurance.
California’s Efforts to Build on the Affordable Care Act Lead to a Record-Low Rate Change for the Second Consecutive Year
The preliminary rate change for California’s individual market will be 0.6 percent in 2021, which marks a record low for the second consecutive year and follows California’s reforms to build on and strengthen the Affordable Care Act.
Covered California’s increased enrollment, driven by state policies and significant investments in marketing and outreach, has resulted in California having one of the healthiest individual market consumer pools and lower costs for consumers.
The impact of COVID-19 on health plans’ costs has been less than anticipated as many people deferred or avoided health care services in 2020, and while those costs are rebounding, it now appears the pandemic will have little effect on the total costs of care in California’s individual market for 2020 and 2021.
All 11 health insurance companies will return to the market for 2021, and two carriers will expand their coverage areas, giving virtually all Californians a choice of two carriers and 88 percent the ability to choose from three carriers or more.
Paulding County, Georgia has a population of around 169,000 people. According to Johns Hopkins University, as of yesterday, they had 1,452 known COVID-19 cases and 19 COVID-19 deaths.
That's around 8.6 cases per thousand residents, which is lower than 37 states (but still higher than Colorado, Ohio or Washington), but 1.13 deaths per 10,000 residents, which is higher than...well, in the upper half of counties in America (Paulding ranks #1,478 out of over 3,100 counties/county equivalents nationally).
via Twitter:
This is the first day of school in Paulding County, Georgia.
Insurance companies offering individual and small group health insurance plans are required to file proposed rates with the Arkansas Insurance Department for review and approval before plans can be sold to consumers.
The Department reviews rates to ensure that the plans are priced appropriately. Under Arkansas Law (Ark. Code Ann. § 23-79-110), the Commissioner shall disapprove a rate filing if he/she finds that the rate is not actuarially sound, is excessive, is inadequate, or is unfairly discriminatory.
The Department relies on outside actuarial analysis by a member of the American Academy of Actuaries to help determine whether a rate filing is sound.
Below, you can review information on the proposed rate filings for Plan Year 2020 individual and small group products that comply with the reforms of the Affordable Care Act.
Users will only be able to view the public details of the filing, as certain portions are deemed confidential by law (Ark. Code Ann. § 23-61-103).
The data below comes from the GitHub data repositories of Johns Hopkins University, execpt for Rhode Island, Utah and Wyoming, which come from the GitHub data of the New York Times due to the JHU data being incomplete for these three states. Some data comes directly from state health department websites.
Here's the top 100 counties ranked by per capita COVID-19 cases as of Saturday, August 1st (click image for high-res version):
Wallace: "But you've been in office 3 1/2 years, you don't have a plan..."
Trump: "But we haven't had...uh...excuse me...you heard me yesterday. We're signing a healthcare plan...within two weeks. A full and complete healthcare plan that the Supreme Court decision on DACA gave me the right to do. So we're gonna solve...we're gonna sign an immigration plan, a healthcare plan, and various other plans....and nobody will have done what I'm doing in the next four weeks.
