Idaho

Last month I posted the preliminary avg. 2024 rate changes being requested for the individual and small group markets.

Now the final/approved rate changes are available via the Idaho Dept. of Insurance:

Each year, the Idaho Department of Insurance posts rate changes of individual and small group health insurance products so consumers can review and provide comments on the proposed increases.  Insurance companies submit proposed rates for the upcoming calendar year to the Department, along with descriptions and justifications for why the rates are reasonable and not excessive.  

The Department of Insurance is seeking public input for rate changes of individual and small group health insurance products to improve insurer accountability and transparency.  By following the links below, the public can access a summary of the increase amounts and the carrier justifications for the rates.  Please submit any comments to the Department for consideration.

Final Rates - 2024

Yesterday I noted that Idaho, which was the one of the first states to start "redetermining" Medicaid/CHIP enrollees the moment the Medicaid Unwinding process began last spring, has at least completed doing so; in the end, over 121,000 - 145,000 Idahoans got the boot, of which somewhere between 51,000 - 106,000 may still actually be eligible for Medicaid/CHIP coverage due to having their coverage terminated for purely procedural reasons.

Today, there's a consolation prize of sorts; via Your Health idaho:

Special Enrollment Period for the Loss of Medicaid Extended

Idahoans who have lost Medicaid coverage have until Nov 30, 2023, to enroll in health insurance through Your Health Idaho

via Dorothy Mills-Gregg of Inside Health Policy:

While most states are reaching the height of their post-pandemic Medicaid renewals, Idaho is returning to nearly normal redeterminations, closing out the bulk of its pandemic eligibility unwinding after removing more than 121,000 Medicaid and CHIP beneficiaries the state deemed most likely ineligible from the programs in six months.

Hmmm...IHP's estimate is lower than that of KFF's daily tracker, which puts Idaho's total disenrollment number at 145,000 as of today.

Idaho’s Medicaid and Children’s Health Insurance Program enrollment grew by roughly 150,000 people during the pandemic’s continuous coverage requirement, maxing out at about 450,000 beneficiaries. An estimated 42% of the beneficiaries who were disenrolled lost coverage due to procedural or paperwork issues.

via the Idaho Dept. of Insurance:

Each year, the Idaho Department of Insurance posts rate changes of individual and small group health insurance products so consumers can review and provide comments on the proposed increases.  Insurance companies submit proposed rates for the upcoming calendar year to the Department, along with descriptions and justifications for why the rates are reasonable and not excessive.  

The Department of Insurance is seeking public input for rate changes of individual and small group health insurance products to improve insurer accountability and transparency.  By following the links below, the public can access a summary of the increase amounts and the carrier justifications for the rates.  Please submit any comments to the Department for consideration.

Preliminary Rates - 2024

Please choose one of the categories to proceed:

 

Just one step away...

Via Huffington Post:

Idaho already has some of the most extreme abortion restrictions on the books, with nearly all abortions banned in the state and an affirmative defense law that essentially asserts any doctor who provides an abortion is guilty until proven innocent. And now Idaho Republicans have set their sights on hindering certain residents from traveling out of state to get an abortion.

Your Health Idaho Logo

I truly apologize for somehow missing this:

Open Enrollment for 2023 Health Insurance Begins October 15

Idahoans can now determine their tax credit and shop for a plan within minutes.

 BOISE, Idaho – Open Enrollment for health insurance in Idaho starts tomorrow, October 15. Idahoans can enroll in 2023 medical and dental coverage through Your Health Idaho, the state’s health insurance exchange. For the first time ever, Idahoans will be able to apply for a tax credit and health insurance on the same application and find out if they qualify within minutes. The new technology is designed to improve Idahoan’s health insurance shopping experience.

Idaho

Via the Idaho Insurance Dept:

Idaho Rate Review Individual

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.

Idaho

Via the Idaho Insurance Dept:

Idahoans to see 12-percent lower health insurance costs with approval of key “Leading Idaho” waiver

Boise, Idaho – Governor Brad Little announced today the State of Idaho achieved a key milestone of the “Leading Idaho” plan – approval of the state’s innovation waiver, ensuring accessible health insurance for more Idahoans.

“Idahoans benefited from another win from our ‘Leading Idaho’ plan today. The approval of the state’s innovation waiver is estimated to reduce insurance premiums for individuals by about 12-percent, keeping more Idahoans insured and providing them better access to affordable healthcare,” Governor Little said.

Idaho

Via the Idaho Insurance Dept:

Idaho Rate Review Individual

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.

Your Health Idaho Logo

Idaho is unique among the 50 U.S. states + DC this year in that it's the only one whose ACA exchange ended their 2022 Open Enrollment Period (OEP) before the official January 15th final deadline set by the Biden Administration.

Your Health Idaho was originally going to stick with December 15th as their final Open Enrollment deadline (most states made 12/15 the deadline for January coverage, but are giving residents until 1/15 to enroll for coverage starting in February). They ended up extending that deadline out until December 22nd in the end, but that's it--going forward, Idahoans will only be eligible for ACA coverage if they become eligible thanks to a Qualifying Life Event (QLE) such as losing their existing coverage, moving to a different rating area, turning 26 and so on.

In any event, even without the January final deadline, YHI still managed to beat last year's enrollment numbers by 6.6%:

Here are the OE 2022 numbers with year over year change included (the YoY is Dec. 22, 2021 vs Dec. 31, 2020).

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