Maryland just released their second official 2015 Open Enrollment report, and the numbers continue to impress:
As of Dec. 4, a total of 51,796 Marylanders have enrolled in quality, affordable health coverage for calendar year 2015 since the 90 day open enrollment period began Nov. 15. This includes 29,543 individuals enrolled in private Qualified Health Plans and 22,253 individuals enrolled in Medicaid.
From Nov. 15 to Dec. 4, 62,713 consumer accounts were created; 66,752 calls were made to the Consumer Support Center and 339,578 individuals visited the MarylandHealthConnection.gov website.
Marylanders must enroll or renew their plans by Dec. 18 for insurance that starts New Year’s Day. Open enrollment for 2015 ends Feb. 15.
For comparison, during the 2014 OE period, MD enrolled 67,757 people. They're already at 43.6% of that in just 20 days this time around.
I know I've been saying that the worst-performing state exchanges from last year seem to be overperforming this year, but this is still a jaw-dropper. Maryland has done a complete turnaround this year:
As of Nov. 24, 2014, more than 25,000 Marylanders have enrolled in quality and affordable health coverage since the open enrollment period began on Nov. 15.
With the successful launch of the upgraded MarylandHealthConnection.gov website, 25,780 individuals have enrolled, including 14,749 enrolled in qualified health plans and 11,031 in Medicaid. From Nov. 15 to Nov. 24, 32,744 consumer accounts were created; 29,546 calls were made to the Consumer Support Center, and 79,681 visited the application portal on the website.
For comparison: Last year, Maryland enrolled a total of 67,757 people in 6 1/2 months. They've now achieved 22% of that total in just 10 days.
OK, without knowing the QHP/Medicaid breakout, I have to temper my data-geek about the 16.7K total. Even so, that's pretty impressive.
For comparison, through October 3rd, Maryland's ratio was around 81,000 QHPs to 263,000 Medicaid additions...or about a 1:3 ratio.
except that about 96,000 of these were "one time" bulk transferees from an existing state-run program. If you take them out, the ratio is more like 81K / 167K, or about 1:2.
Until I get a hard number, I'll err on the side of caution and go with the 1:3 ratio, which would mean around 4,000 QHPs and 12,743 added to Medicaid.
I'm pretty sure that in this case, "applications completed" does refer to actual "plans selected", judging from both the number from a day earlier (1,500) and the context of the quote, although I could be wrong (I also think that's supposed to read "through early Tuesday afternoon...")
Andrew Ratner, a spokesman for the exchange, said it seems to be working well so far. Ratner said 5,324 people have applied and 1,915 applications have been completed since early Tuesday afternoon.
Yes, I know what you're saying: This is either a joke or a typo; how could Maryland be launching open enrollment a day early when 2015 #OE2 actually started 3 days ago?? Shouldn't that read "3 days late"?
Well, no, actually. As I noted back in September, due to the horrible technical problems which the MD Health Connection had with their original platform last year, they wisely decided to be extremely cautious this time around with their all-new software.
In short, instead of opening the floodgates all at once on the 15th, MD decided to take a phased approach:
By comparison, during the first open enrollment period, as of April 19th, Maryland had only enrolled 67,757 people in private policies, or 338 per day (or around 840 in 2.5 days).
So, right off the bat Maryland is doing twice as well so far this time around.
Yes, that's right. I'm posting a blog entry about exactly one person being enrolled. Let it never be said that I'm not meticulous in documenting my data:
Saturday was the first day of open enrollment in Maryland and around the nation on exchanges created under the Affordable Care Act for people who do not get health insurance through employers. In Maryland, residents received their first shot at gaining coverage at an enrollment fair in Glen Burnie, hosted by the state's nonprofit partner HealthCare Access Maryland.
Banda arrived at 9:22 a.m., 38 minutes early. She was fourth in line. By 9:30 a.m., about a dozen people were waiting, and organizers decided to get the day started early. Less than an hour later, she became the first enrollee on the state's new exchange website. Her plan will cost her $97 a month, she said, and her co-pay will be zero.
"I feel awesome," she said. "It's a relief. I feel that it's going to work for me."
And yes, I've even plugged the number into The Spreadsheet :)
I've rantedseveral times before about the importance of current Obamacare private policy enrollees making sure to actually visit the exchange website, shop around, log into your account and manually re-enroll for 2015, even if nothing has changed at your end (ie, no changes in income, dependents, residence etc).
There are many reasons NOT to auto-renew, most of which are financial in nature. The short version is, you could easily end up paying more than you thought next year by not switching (in addition to premium changes, your tax credit might drop even if your income hasn't changed due to how it's calculated), and you could pay substantially less next year if you do switch to another policy (premiums are actually dropping in many markets).