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For 2017, UnitedHealthcare, along with most of its subsidiaries, is discontinuing its participation in the individual market in Colorado, both on and off the exchange. However, Golden Rule Insurance, a subsidiary of UnitedHealthcare, will continue to offer its individual plans in Colorado off of the exchange. UnitedHealthcare will also continue its small and large group business in the state.
Humana will continue in the small group market for 2017 off the exchange, while exiting the individual market for both Humana Health Plans and Humana Insurance Company.
A few weeks ago I reported on some weirdness in New Hampshire's monthly exchange QHP enrollment data. They were showing an unusually high effectuated enrollment drop-off between March and April, especially odd considering that enrollment had supposedly increased from February to March.
A week or so ago, I reported that Connect for Health Colorado's monthly enrollment report contained some very confusing numbers:
Last month I noted that, assuming I was reading Connect for Health Colorado's monthly dashboard report correctly, they were down to 115,890 effectuated exchange enrollees as of 3/31/16, or a whopping 23.1% lower than the official APTC report tally of 150,769 QHP selections as of the end of Open Enrollment.
...The 121,962 number at the top seems to be the one I want...except that it also includes SHOP and standalone Dental enrollments (I think).
...OK, so 121,962 includes SHOP, which has a maximum tally of 2,897, which means that the effectuated number as of 4/30/16 could be as low as 119,065...except that "Individual" could also potentially include standalone dental plans, confusing the issue further. Even worse, it says that this "Includes those who effectuated in the current plan year and later terminated a policy".
I can't tell whether that means that those who terminated their policies have been subtracted from the total (accounted for) or if they're included in the total (cumulative).
Like most states, Vermont does have an account with the SERFF database system for insurance rate filings. Until today, I assumed that they just hadn't posted the 2017 filings yet, since there's only one unrelated listing there at the moment.
However, thanks to an anonymous tipster for reminding me that Vermont also has their own, in-house rate review website...and the state is pretty easy to run the math on due to the fact that....
There's only 2 carriers in the state even offering individual or small group policies at all,
Under state law, all individual/small group policies have to be sold on the ACA exchange anyway, and
Unlike most states, Vermont is apparently requiring that the risk pools for individual & small group policies be merged, so there's only 1 set of rate changes his year (last year they did have slightly different average rate hikes for the two markets).
The HHS and Urban studies rest on the assumption that insurers will eat the costs of eliminating the cost-sharing reductions. As I’ve explained before, though, that’s not a realistic assumption.
Despite bitter resistance in Oklahoma for years to President Barack Obama's health care overhaul, Republican leaders in this conservative state are now confronting something that alarms them even more: a huge $1.3 billion hole in the budget that threatens to do widespread damage to the state's health care system.
So, in what would be the grandest about-face among rightward leaning states, Oklahoma is now moving toward a plan to expand its Medicaid program to bring in billions of federal dollars from Obama's new health care system.
What's more, GOP leaders are considering a tax hike to cover the state's share of the costs.
"We're to the point where the provider rates are going to be cut so much that providers won't be able to survive, particularly the nursing homes," said Republican state Rep. Doug Cox, referring to possible cuts in state funds for indigent care that could cause some hospitals and nursing homes to close.
A few days ago, I noted that Premera Blue Cross was asking for a 19.6% average rate hike for ACA-compliant individual policies in Washington State, while also pulling out of several WA counties entirely.
13 health insurers file 154 plans for 2017 - 13.5 average requested rate change • May 16, 2016
OLYMPIA, Wash.– Thirteen health insurers have filed 154 individual health plans for 2017 both inside and outside of the Exchange, Washington Healthplanfinder. The average requested rate change based on enrollment is 13.5 percent.
Health insurers seek rate increases in Maryland as United Healthcare quits market
...United Healthcare, the nation's largest insurer but a bit player in Maryland, was not included on a list released Friday by state regulators of companies seeking rate increases for 2017.
Insurance Commissioner Al Redmer confirmed that the company was leaving the exchange created under the Affordable Care Act, as it has in most states across the country. It will continue to offer plans in the small-business market.
The dominant carrier on the individual market in Iowa is Wellmark BCBS, which had 137,000 enrollees (something like 75% of all the market) last year.
However, there were two important caveats to that: First, Wellmark isn't currently participating on the ACA exchange; all of those enrollees were off-exchange only. Secondly, at the time I had no idea how many of them were ACA-compliant and how many were "grandfathered" or "transitional" policies, which aren't ACA compliant and which, more significantly, aren't part of the same risk pool.
