During the COVID pandemic emergency, Congress passed legislation which, among other things, required states to provide "continuous coverage" of people who enrolled in Medicaid or the CHIP program.
Normally Medicaid/CHIP enrollees have their eligibility statuses "redetermined" every month (or quarter in some states, I believe) to make sure they were still eligible for the program, but the Families First Coronavirus Response Act (FFCRA) stated that in order to receive increased federal funding of their Medicaid/CHIP programs, states couldn't kick anyone off as long as the public health emergency was in place (unless they died, moved out of state or asked to be disenrolled).
This requirement ended effective April 1st, 2023 via an omnibus bill passed back in December.
Arizona became the latest state to extend postpartum coverage for individuals enrolled in Medicaid and the Children’s Health Insurance Program, following CMS’ approval of the state’s postpartum coverage extension state plan amendments (SPAs). The opportunity to extend this coverage was made possible by the American Rescue Plan, and this approval marks 31 states and D.C. that have extended postpartum Medicaid/CHIP coverage to a full year.
I have no idea why the administration hasn't put out a formal standalone press release about this...they've done so for every other state to my knowledge (including Oklahoma just two weeks ago), but whatever; it's still good news!
Arizona Senate Bill 1292 was introduced by Democratic state Representative Rosanna Gabaldon in February. Here's the most relevant portionf of the legislative text:
Title 20, chapter 1, article 1, Arizona Revised Statutes, is amended by adding a new section 20-123, to read:
20-123. Health care insurers; requirements; prohibitions; definitions
A. Notwithstanding any other law, every health care insurer that offers an individual health care plan, short-term limited duration insurance or a small employer group health care plan in this state:
1. Shall:
(a) Ensure that all products sold cover essential health care benefits.
(b) Limit cost sharing for the coverage of essential health care benefits, including deductibles, coinsurance and copayments.
Today, the U.S. Department of Health and Human Services (HHS), through the Centers for Medicare & Medicaid Services (CMS), approved Medicaid section 1115 demonstration initiatives in Arizona that will help the state take aim at health-related social needs. Like recently approved demonstrations in Oregon and Massachusetts, Arizona’s demonstration will test innovative interventions that target critical drivers of health outcomes, including housing insecurity.
“Everyone deserves the chance to receive the care they need to live safe and healthy lives,” said HHS Secretary Xavier Becerra. “We are proud to work with Arizona in this groundbreaking effort. We will continue doing all we can to strengthen Medicaid, and urge states to follow Arizona’s lead.”
There's two significant changes this year: One new entrant to the individual market (Imperial Insurance) and one major withdrawl...Bright Health Co., which I wrote about earlier today; they had around 19,700 enrollees in the AZ individual market as of a year ago, though I don't know how many are enrolled at the moment.
In any event, Arizona is looking at a weighted average rate increase of 4.3% on the individual market (for unsubsidized enrollees only), and 8.2% on the small group market:
Arizona Announces Extension of Major Medical Transitional Policies Until Further Notice
Phoenix - The Arizona Department of Insurance and Financial Institutions (DIFI) announced that insurers in the individual and small group major medical health insurance markets can choose to renew "transitional policies" for a policy year beginning after October 1, 2022, and thereafter until CMS modifies its non-enforcement policy. Transitional policies are policies that individuals had in place before the Affordable Care Act went into full effect on January 1, 2014.
This extension aligns with the extension announced by the Center for Consumer Information and Insurance Oversight (CCIIO) in Insurance Standards Bulletin Series – INFORMATION – Extension of Limited Non-Enforcement Policy through 2023 and Later Benefit Years. The Bulletin gives insurers the option to annually renew applicable pre-2014 individual and small group policies until further notice. Approximately 30,000 Arizonans have health insurance coverage through a transitional plan.
MICHIGAN: Another One (Mostly) Bites The Dust; 12th CO-OP Drops Off Exchange, May Go Belly-Up
It appears that East Lansing-based Consumers Mutual Insurance of Michigan could wind down operations this year as it is not participating in the state health insurance exchange for 2016.
But officials of Consumers Mutual today are discussing several options that could determine its future status with the state Department of Insurance and Financial Services, said David Eich, marketing and public relations officer with Consumers Mutual.
Consumers Mutual CEO Dennis Litos said: "We are reviewing our situation (financial condition) with DIFS and should conclude on a future direction this week.”
While Eich said he could not disclose the options, he said one is “winding down” the company, which has 28,000 members, including about 6,000 on the exchange.
Depending on the state & carrier, some of these can be found easily; others are either heavily redacted, partial, not available until later in the year; and some are never made available at all.
In addition to the filings for the upcoming year, however, the SERFF database also includes a mountain of other filing forms, from non-ACA compliant insurance policies (short-term, indemnity, etc.) and from previous years (I have no idea how far back they go, but I'm guessing it's at least since the turn of the century). This also includes "grandfathered" and "grandmothered" policies.
Back in mid-August I posted my analysis of Arizona's preliminary 2022 rate filings for the 2022 individual & small group health insurance markets. At the time, I wasn't able to get ahold of the actual carrier actuarial memos which include the number of people enrolled in those policies in 2021, which means I wasn't able to run a weighted average rate change for either market.
As a result, I had to go with unweighted averages, which are far less useful since how much a carrier with a huge market share changes their premiums will have a much bigger impact on the statewide average than one with only a handful of enrollees.
Arizona is a case in point: At the time, the unweighted average was a 4.8% reduction on the individual market and a 7.7% increase for small group plans.
