Colorado

via Connect for Health Colorado:

Marketplace Enrollments Trending Higher During Pandemic; Deadline for Jan. 1 Coverage Approaches

DENVER – Through Dec. 6, more than 148,000 Coloradans have signed up for a health insurance plan through Connect for Health Colorado. Initial enrollment totals show that more Coloradans are getting covered this Open Enrollment Period as the pandemic grows in Colorado. 

“I’m encouraged that so many people have signed up for a medical plan that will give them the coverage they need. I hope this also gives them some peace of mind going into the new year,” said Chief Executive Officer Kevin Patterson. “I urge Coloradans who haven’t enrolled yet to take advantage of the free enrollment assistance we offer. We’re here to help as many Coloradans as possible get covered for January 1st.”

via Connect for Health Colorado:

Coloradans Are Getting Covered During the Pandemic

DENVER – Nearly 30,500 Coloradans signed up for a health insurance plan through Connect for Health Colorado’s Marketplace between Nov. 1 and Nov. 20. Through the first three weeks of the Open Enrollment period, approximately 73 percent of applicants qualify for financial help to help pay their monthly premiums.

Unlike many of the state-based exchanges, the Colorado ACA exchange is not "front-loading" their autorenewals of existing enrollees. They address this further down the press release:

“Unfortunately, the pandemic is continuing to grow and affect our communities. That’s why it’s more important than ever that Coloradans have access to affordable and quality health coverage.” said Chief Executive Officer Kevin Patterson. “I urge Coloradans to connect with us online, over the phone, or by making a virtual appointment with a certified Broker or Assister. We are here to make your enrollment as easy as possible.”

Over at Xpostfactoid, my colleague Andrew Sprung has been doing a great job of tracking ACA Medicaid expansion enrollment growth since the onset of the COVID-19 pandemic this past February/March at the macro (national) level, by looking at around a dozen states which have monthly reports available. He puts the overall enrollment growth rate at 23.6% from February thorugh October 2020.

I've decided to take a closer look at individual states. The graph below shows how many Coloradoans have been actively enrolled their Medicaid expansion program:

 

h/t to Albus Brooks for the video. Here's the transcript, verbatim:

Q: "IF the Affordable Care Act is overturned, how will you ensure that Colordans who have healthcare through the Affordable Care Act's Medicaid expansion will continue to be covered?"

Back in late July, the Colorado Insurance Dept. released the preliminary 2021 Individual and Small Group Market rate filings. At the time, they came in averaging around +2.2% on the individual market and +5.7% on the small group market.

The final/approved rates have recently been posted, and rates in both markets have been significantly cut down: Individual market rates are now averaging a 1.4% reduction while the increase on the small group market is down to 3.8%.

Republican Senator Cory Gardner is up for re-election this fall, and he's in major trouble. Various polling over the summer has him trailing his Democratic opponent, former CO Governor John Hickenlooper, by around 6 points on average.

Gardner is underwater for many reasons, many of which have to do with his repeated attempts to repeal the Affordable Care Act...most recently by voting for the "Skinny Repeal" bill the summer of 2017 which was nipped in the bud by a single vote thanks to John McCain's famous "thumbs down" vote.

The Colorado Dept. of Insurance has released the state's preliminary rate filings for 2021 individual & small group market policies yesterday.

Overall, it looks like Colorado carriers are asking for a weighted average rate increase of 2.2% on the individual market and 5.7% on the small group market. There's some important tables breaking out exactly which carriers are offering their policies in which counties, and they've even broken out the average rate hikes by rating area, which is unusual to see but takes on special significance in Colorado due to thier unusual Section 1332 reinsurance waiver program, which is more robust in some parts of the state than others (I believe most reinsurance programs are pretty much an across-the-board sort of thing, though I could be wrong about that).

A lifetime ago (well, mid-February of this year, anyway), I wrote about New Mexico's Health Care Affordability Fund (HB 278), a bill which easily passed through the state House...only to be inexplicably stopped in its tracks in the state Senate a few days later.

The bill in question wasn't terribly complicated; it essentially just placed a new fee on health insurance carriers to finance a new fund which would in turn be used to reduce healthcare coverage costs for low- and middle-income New Mexicans. Furthermore, since some of the fees would be imposed on managed Medicaid programs which are mostly federally funded, it would have leveraged tens of millions of dollars in federal funding as opposed to all of the fees coming from state residents. Had it gone into effect, HB 278 was expected to generate around $125 million in revenue for the state to use to reduce premiums and cost sharing for enrollees.

I know I've been seriously distracted with my county-level COVID-19 tracking project the past few weeks, but I'm still surprised this bill slipped by me:

Easy Enrollment Moving Forward

Denver -- Connect for Health Colorado® Chief Executive Officer Kevin Patterson released the following statement on the Health Care Coverage Easy Enrollment Program (HB 20-1236) after the bill passed through the General Assembly: 

“I am excited that we can extend access to affordable health coverage for Coloradans with the simple act of checking a box. Easy Enrollment can provide financial stability and improve health outcomes for thousands of residents, many of whom are unfamiliar with the sign up process, or do not know they qualify for help. Through legislation such as Easy Enrollment, we work toward our goals of reducing the uninsured rate and educating Coloradans on the financial help we provide.” 

via Connect for Health Colorado:

More than 14,000 Coloradans gain health coverage during emergency Special Enrollment Period; Marketplace reports higher enrollments and lower costs in 2020

DENVER — A total of 14,263 Coloradans gained health insurance coverage during Connect for Health Colorado’s emergency Special Enrollment Period, which ran from March 20 to April 30. The Marketplace opened the Special Enrollment Period in response to the outbreak of the coronavirus (COVID-19), to ensure as many Coloradans as possible have access to health care.

“We’ve seen a tremendous response to the emergency Special Enrollment Period and need for affordable health coverage,” said Chief Executive Officer Kevin Patterson. “As always, we are here to help Coloradans get covered and stay covered as they navigate life changes this year.”

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