Missouri

Missouri's insurance dept. has released the proposed 2022 rate filings for both the individual and small group markets. Overall, individual market carriers are requesting rate hikes of 2.3% on average, while the small group market carriers are asking for an average 11.8% increase.

It's worth noting that each market has a new entrant for 2022: Aetna is joining the individual market while Cigna is jumping into the off-exchange Small Group market.

The differences in enrollment noted for some carriers is likely due to some product lines being discontinued--for instance, if Celtic drops premiums by 3.1% on most of their policies but discontinues some others entirely, those enrolled in the discontinued lines won't have any official rate change to their existing policies.

Florida

Florida state law apparently gives private corporations wide berth as to what sort of information, which is easily available in some other states, they get to hide from the public under the guise of it being a "trade secret."

In the case of health insurance premium rate filing data, that even extends to basic information like "how many customers they have."

If you think I'm being sarcastic, this is literally a screenshot of what you get if you attempt to use the Florida Office of Insurance Regulation's filing search:

Mississippi

Louise Norris beat me to the punch on Mississippi this year:

Cigna is joining the Mississippi exchange for 2022, bringing the total number of participating insurers to three. According to ratereview.gov, the following average rate changes have been proposed by Mississippi’s current exchange insurers:

Minnesota

The Minnesota Commerce Dept. has posted preliminary 2022 ACA rate filings for the individual and small group markets. Final/approved rate changes will likely be posted in just a few weeks.

Overall I don't see any significant changes to the offerings from 2021 other than PreferredOne appearing to eliminate one of their two lines on both markets. Also, UnitedHealthcare of Illinois appears to be scrapping their entire line of existing plans on the small group market and replacing them with all-new policies, which means there's technically no current rates for them to compare against.

The other important thing to keep in mind for the small group market is that I can't seem to find the actual current enrollment data for each carrier, so I'm basing the weighted average on 2020 enrollment, which could be way off if there's been significant market share shifts this year.

New York State of Health

via NY State of Health:

  • State Receives Marketplace Modernization Grant, Awarded by Centers for Medicare & Medicaid Services (CMS) Under American Rescue Plan Act  

ALBANY, N.Y. (September 17, 2021) – NY State of Health, the state’s official health plan Marketplace, today announced it has been awarded a Marketplace Modernization Grant by the Centers for Medicare & Medicaid Services (CMS).  This funding, a total of $1.1 million dollars, the maximum awarded to state-based marketplaces, has been made available by the American Rescue Plan Act (ARPA) of 2021 for the purpose of modernizing or updating state technology systems and/or conducting targeted consumer outreach activities that can improve access to health coverage for consumers.  

Access Health CT Logo

via Access Health CT:

Access Health CT Awarded $1.1M Grant From The Centers For Medicare and Medicaid Services

  • Grant funding supports the implementation of the American Rescue Plan Act in Connecticut and several technology upgrades improving the consumer experience

HARTFORD, Conn. (September 20, 2021)—Access Health CT (AHCT) announced today it was recently awarded $1.1 million of grant funding from the Centers for Medicare and Medicaid Services (CMS). The grant will be used to financially support the implementation of the American Rescue Plan Act (ARPA) helping to make health insurance more affordable for Connecticut residents, along with technology modernization projects that will enhance consumer experiences within the online customer portal. The grant funding was made possible through the ARPA.

CMS Logo

CMS had already announced this previously but now it's official:

CMS Extends Open Enrollment Period and Launches Initiatives to Expand Health Coverage Access Nationwide

The Biden-Harris Administration, through the Centers for Medicare & Medicaid Services (CMS), is taking a number of steps that will make it easier for the American people to sign up for quality, affordable health coverage and reduce health disparities in communities across the country. Beginning this year, consumers will have an extra 30 days to review and choose health plans through Open Enrollment, which will run from November 1, 2021 through January 15, 2022, on HealthCare.gov.

HealthCare.Gov Logo

 

I've received an important reminder from the folks at HealthCare.Gov:

Continued Enrollment Opportunity for Consumers with Unemployment Compensation

The American Rescue Plan (ARP) provides additional savings to help consumers access affordable, quality health coverage options, including expanded opportunities for those who received or are approved to receive unemployment compensation in 2021.

Starting July 1, 2021, the Centers for Medicare & Medicaid Services (CMS) added a new function to HealthCare.gov to allow consumers who receive or are approved to receive unemployment compensation for any week beginning during 2021 to access new savings on health insurance coverage, if they qualify.

New York State of Health

via NY State of Health:

NY State of Health Enrollment Continues to Surge as More New Yorkers Sign Up for Low-Cost Coverage Following the American Rescue Plan and Enhancements Made to New York’s Essential Plan

MNsure Logo

via MNsure:

Federal COBRA Subsidies are Ending This Month, but Minnesotans Have Affordable Health Coverage Options Through MNsure

ST. PAUL, Minn.—The federal subsidy for Consolidated Omnibus Budget Reconciliation Act, or COBRA, expires on September 30. The subsidy, part of the American Rescue Plan stimulus package, has helped unemployed Minnesotans who chose to continue with their workplace health insurance plan stay covered during the COVID-19 pandemic.

“Minnesotans who are losing this COBRA subsidy and are looking to keep their health care costs low should visit MNsure.org today to check out their health coverage options and see how much they can save,” said MNsure CEO Nate Clark. “Avoiding a gap in health coverage is more important than ever, so don’t wait.”

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