Idaho

via Your Health Idaho:

More than 79,000 Idahoans Enroll in 2021 Health Insurance Coverage

BOISE, Idaho – More than 79,000 Idahoans signed up for 2021 health insurance coverage through the state health insurance exchange, Your Health Idaho, during the annual open enrollment period.

Compared to the same time last year, enrollments on the exchange are down by approximately 10,000. This decline is attributed in large part to the ongoing impacts of the COVID-19 pandemic and resulting public health emergencies and protected coverage policies.  

Last year's official Idaho Open Enrollment Period (OEP) Qualified Health Plan (QHP) total was 78,431, so 79,000 should be slightly higher, not 10,000 lower. What's going on here?

via Your Health Idaho:

Final Deadline for Health Insurance in Idaho is December 31

  • Your Health Idaho anticipates increased activity following deadline extension

BOISE, Idaho – Idahoans looking to find 2021 health insurance coverage still have a few days left to enroll through the state health insurance exchange, Your Health Idaho.

After extending the original deadline from Dec. 15, exchange officials are urging Idahoans to apply for the monthly health insurance tax credit and make their final plan selection by 11:59 p.m. (MT) on Thursday, Dec. 31. 

“I cannot stress enough how important this final deadline is for Idahoans,” said Pat Kelly, Your Health Idaho Executive Director. “Even if you are unsure if you will qualify, this is the last chance to complete an application and find out if you are eligible for lower-cost coverage through Your Health Idaho.”

Annnnnnd add Your Health Idaho to the list:

Deadline to Get Health Insurance Extended
Idahoans have until December 31 to get covered for 2021

Today, for the first time ever, the Your Health Idaho Board of Directors voted to extend the Open Enrolment deadline. Idahoans now have until Dec. 31, 2020, to sign up for health insurance coverage that begins Jan. 1, 2021.

Your Health Idaho saw the largest single-day enrollment since 2018 on Tuesday, Dec. 15, the original deadline date. This increased activity coupled with ongoing impacts from the coronavirus pandemic spurred Your Health Idaho to extend the deadline.

“An unprecedented year calls for unprecedented measures,” said Your Health Idaho Chairman of the Board, Stephen Weeg. “Given the challenges faced by Idahoans in 2020 and the renewed need for comprehensive health insurance, we hope that by extending the deadline a few more weeks, every Idahoan will have access to the coverage they need for the coming year.”

via Your Health Idaho:

Less Than One Week to Enroll in 2021 Health Insurance

  • Your Health Idaho extends customer support hours ahead of Dec. 15 deadline

BOISE, Idaho – Idahoans have until 11:59 p.m. (MT) on Tuesday, Dec. 15, to enroll in 2021 health insurance coverage through Your Health Idaho, the state insurance exchange. After open enrollment ends, Idahoans will not be able to enroll in coverage unless they qualify for a Special Enrollment Period.

“As expected after the Thanksgiving holiday, we have seen an increased interest from Idahoans looking to enroll in 2021 health insurance coverage,” said Your Health Idaho Executive Director, Pat Kelly. “To ensure consumers are getting the help they need, Your Health Idaho has expanded business hours through December and implemented new contact options.”

via Your Health Idaho:

It is no secret that 2020 has been a challenging year for Idahoans. In addition to the health implications and long-term consequences of COVID-19, living in a global pandemic has changed the way Idahoans work, learn, and interact with friends and family.

Over the past year, COVID-19 has also highlighted the undeniable need for comprehensive health insurance and access to quality healthcare. However, in a year with so much uncertainty and change, it may seem like health insurance is unaffordable or something that we can go without. At Your Health Idaho we understand that budgets are tight, we also know that the peace of mind that comes with having coverage in the event of an emergency is priceless.

As 2020 draws to a close, so does the annual Open Enrollment period for health insurance. Right now, at YourHealthIdaho.org you can shop and compare hundreds of health insurance plans to find the right coverage for you and your family.

New Insurance Carrier Joins Idaho Exchange, Record Number of Plans Available in 2021

  • Preview plans and prices beginning Oct. 1 at YourHealthIdaho.org

BOISE, Idaho – Your Health Idaho, the state health insurance exchange, announced today that Idahoans will have a record number of medical and dental plans and a new insurance carrier to choose from in 2021.

Regence, which currently sells small group and individual plans off-exchange in Idaho, will offer medical coverage through Your Health Idaho for the first time in 2021. The addition of Regence brings the total number of insurance carriers on the Idaho exchange to seven.

“We are pleased to welcome Regence to Your Health Idaho,” said Pat Kelly, Your Health Idaho Executive Director. “Adding another regional insurance carrier means even more choice for Idahoans and continued local control for the Idaho marketplace.” 

Beginning Oct. 1, Idahoans can preview the 136 medical and 13 dental plans that will be available in 2021 online at www.YourHealthIdaho.org. 

The Idaho Insurance Dept. has posted the preliminary rate filings for the 2021 Individual and Small Group markets:

The Department of Insurance receives preliminary health plan information for the following year from insurance carriers by June 1 and reviews the proposed plan documents and rates for compliance with Idaho and federal regulations. The Department of Insurance does not have the authority to set or establish insurance rates, but it does have the authority to deem rate increases submitted by insurance companies as reasonable or unreasonable. After the review and negotiation process, the carriers submit their final rate increase information. The public is invited to provide comments on the rate changes. Please send any comments to Idaho Department of Insurance.

On April 14th, I noted that Idaho, which had previously refused to join the twelve other state-based ACA exchanges in launching an "open" COVID-19 specific Special Enrollment Period (i.e., open to any uninsured resident regardless of reason) announced that going forward, they were modifying their regular SEP rules somewhat:

If You Need Health Insurance, Your Health Idaho is Here to Help

...In partnership with the Idaho Department of Insurance and Idaho insurance providers, and in alignment with Governor Little’s initiative to reduce regulations, Your Health Idaho is working to relax the requirements for eligible Idahoans to enroll in coverage.

Back on March 23rd, I noted that while every other state-based ACA exchange has launched an official COVID-19-specific Special Enrollment Period, there are two ACA exchanges which have refused to do so. One of them is the mothership, HealthCare.Gov, which is run by the Centers for Medicare & Medicaid (CMS) and which hosts a whopping 38 states. The other one is Your Health Idaho:

I contacted the exchange last week to see what the deal was re. a COVID-19 SEP and they kicked the ball over to the state Insurance Dept:

COVID-19 (coronavirus) is not currently considered grounds for a Special Enrollment Period in Idaho. Questions around the potential offering of an SEP would be best answered by the Idaho Department of Insurance. This really falls within their regulatory authority. YHI will follow their guidance and support whatever decision is made.

I did indeed contact the Idaho DOI, but I didn't hear back from them until today. Here's what they had to say:

For a couple of weeks now, I've been posting constant updates as one state-based ACA exchange after another has announced a COVID-19-specific Special Enrollment Period in light of the ongoing pandemic crisis. Until now, though, there's been two ACA exchanges which haven't made such an announcement. One is the Big One, HealthCare.Gov, which hosts a whopping 38 states and which is facing increasing pressure to do so.

The other...is Idaho. Specifically, Your Health Idaho, the state's ACA exchange.

via KIVI Boise:

The number of Idaho residents who have signed up for Medicaid under the state’s voter-approved expanded coverage has passed 60,000.

The Idaho Department of Health and Welfare posted updated numbers Thursday. The agency estimates 91,000 residents meet requirements.

Coverage started January 1, but enrollment is year-round. Those who sign up for Medicaid will be covered for doctor visits that occurred earlier in the same month.

Voters authorized Medicaid expansion in 2018 with an initiative that passed with 61% of the vote after years of inaction by state lawmakers. In 2019, lawmakers added restrictions requiring five waivers from the U.S. Department of Health and Human Services.

Waivers are required when states want to deviate from Medicaid rules. Federal officials have yet to approve any of Idaho’s requested waivers.

If the anticipated 91,000 people do eventually sign up, it would cost Idaho about $400 million, with the federal government paying 90%.

This Just In via email...

Your Health Idaho enrolls 89,000 Idahoans for 2020 health insurance coverage

  • Idaho exchange sees increase in new customers as overall enrollments decline amid Medicaid expansion

BOISE, Idaho – More than 89,000 Idahoans signed up for 2020 health insurance coverage through the state insurance exchange, Your Health Idaho, during open enrollment which ended Dec. 16, 2019.

Enrollments are down approximately 14,000 from the same time last year. This decline is largely due to Medicaid expansion and was expected by the exchange. Your Health Idaho originally estimated that around 18,000 individuals would move from the exchange to Medicaid under the newly expanded program. 

Your Health Idaho, the states' ACA exchange, reminds residents who completed their enrollment applications that they still have until midnight tonight to actually select a policy:

Last chance to #GetCovered!
For those Idahoans who submitted an application for 2020 health insurance coverage by December 16, you have one more day to pick a plan! Do not wait! Find your perfect plan today at YourHealthIdaho.org!

— Your Health Idaho (@YourHealthIdaho) December 23, 2019

In most states, the 2020 Open Enrollment Period deadline is midnight on Sunday, December 15th. In a few states, the deadline is as late as January 31st.

And then there's Idaho. Via Your Health Idaho, the state's ACA exchange:

Deadline to apply for 2020 health insurance is December 16
Your Health Idaho extends hours to support increased interest

BOISE, Idaho – Idahoans seeking 2020 health insurance coverage must complete their application through the state insurance exchange, Your Health Idaho, by Monday, Dec. 16. In anticipation of increased interest and high demand, Your Health Idaho is extending customer support hours through December.

Your Health Idaho will be open Monday through Friday, December 9-20, from 7 a.m. to 8 p.m. MT. Phone lines will also be open Saturday, Dec. 14, and Saturday, Dec. 21, from 10 a.m. to 4 p.m. MT.

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