Minnesota

via MNsure:

Though open enrollment through MNsure has ended, there are still opportunities to enroll through a special enrollment period (SEP). Minnesotans who experience a qualifying life event, like aging off a parent's health insurance (turning 26), getting married, or losing other health coverage, may be eligible to apply. See a complete list of qualifying life events, including coverage start dates.

This Just In from MNsure...

MNsure Reports Strong Enrollment Numbers in Seventh Open Enrollment Period

ST. PAUL, Minn.—117,520 Minnesotans signed up for private health coverage during MNsure’s seventh open enrollment period which ended on December 23, 2019—2,525 more sign-ups than the exchange received by December 23 of the previous year. 

That's a 2.2% enrollment increase year over year (114,995), although CMS's official total was slightly lower than that (113,552 QHP selections). I don't know if the 1,443 discrepancy is due to clerical error cleanup, standalone dental plans being included in the higher number or what, but assuming the 117,520 figure stands, that's actually a 3.5% increase.

MNsure’s operations were notably smooth, and consumers reported improved customer experiences with the new online shopping and enrollment tools MNsure unveiled this year.

via MNsure by press release:

Monday is Your Last Chance to Enroll in Private Health Coverage Through MNsure

December 20, 2019

ST. PAUL, Minn.—Minnesotans have until 11:59 p.m. on Monday, December 23, to enroll in health insurance coverage through MNsure for 2020.

"MNsure stands ready to help Minnesotans in the final days of open enrollment," said MNsure CEO Nate Clark. "The time to get enrolled is right now—don't lose out on your opportunity to get coverage in the new year."

MNsure will have extended Contact Center hours beginning tomorrow: 

  • Saturday, December 21: 10 a.m. to 6 p.m. 
  • Sunday, December 22: 10 a.m. to 8 p.m. 
  • Monday, December 23: 8 a.m. to midnight

Most people qualify for financial help. Minnesotans can see their estimated eligibility for financial help by using MNsure's plan comparison tool.

Please note, this deadline does not apply to Medical Assistance or MinnesotaCare recipients or members of federally recognized Indian tribes. More information about renewing eligibility and reporting changes for Medical Assistance or MinnesotaCare. 

via MNsure by press release:

Less Than a Week to Enroll; MNsure's Open Enrollment Period Ends December 23

ST. PAUL, Minn.—Minnesotans have until 11:59 p.m. on Monday, December 23, to enroll in coverage through MNsure. After that date, Minnesotans will only be able to enroll in private health insurance coverage through MNsure if they qualify for a special enrollment period.

"Anyone with questions or who needs help enrolling should phone our Contact Center or reach out to a MNsure-certified assister,” said MNsure CEO Nate Clark. “We’re here to help. Don't wait until the last minute—get covered today!”

MNsure will have extended Contact Center hours leading up to the deadline: 

via MNsure, Minnesota's state ACA exchange:

ST. PAUL, Minn.—With the end of MNsure's open enrollment period just under two weeks away, MNsure is reminding private health plan enrollees that there is still time to renew or change their coverage for 2020. Additionally, those who are seeking coverage for 2020 and have not yet submitted an application through MNsure can do so through December 23, 2019.

"We strongly encourage all Minnesotans to come back to MNsure.org and compare plans to ensure they are getting the best deal and the best coverage for their family," said Nate Clark, MNsure CEO. "Financial assistance to lower premium costs is available, and the majority of Minnesotans qualify."

MNsure's open enrollment period runs through December 23, 2019, eight days longer than the federal open enrollment period.

Below is a brief guide to assist Minnesotans with coverage during open enrollment:

This just in from MNsure, the Minnesota ACA exchange:

All private health plans offered on the MNsure marketplace limit the out-of-pocket cost to enrollees for insulin prescriptions in 2020. Each of MNsure's four insurers are offering either low-cost or free insulin benefits, meaning consumers purchasing plans through MNsure will pay no more than 25 dollars per month for insulin.

"The rising cost of insulin has put a huge financial burden on many families across Minnesota," said Nate Clark, MNsure CEO. "It’s so important to have access to insulin at an affordable price. We encourage all those looking for prescription insulin coverage to check out the plan options at MNsure.org."

Last year, Minnesota's ACA exchange, MNsure, reported the following QHP selections numbers for the first two weeks of Open Enrollment (technically the first 13 days):

BY THE NUMBERS—

  • Private health plan sign ups—97,944
  • Call volume—14,335
  • Average speed of answer—7 seconds
  • Plan comparison sessions—49,064

The sign-ups reported include new consumers, renewing consumers who have come back and shopped for a new plan for 2019, and renewing consumers who are continuing their previous plan for 2019.

Of those, around 2,400 were new enrollees; the other 95.5K were renewals of existing enrollees (either active or auto-renewals).

For 2020, this just came in from MNsure:

Strong Interest During MNsure's First 10 days; Open Enrollment Update = November 13, 2019

This just in via MNsure (Minesota's ACA exchange):

MNsure update on first week of open enrollment

ST. PAUL—MNsure CEO Nate Clark issued the following statement recapping the first full week of open enrollment:

“MNsure has seen strong and steady interest during the first week of open enrollment. Minnesotans have six weeks left to sign up for their 2020 coverage. Remember, MNsure is the only place Minnesotans can get access to tax credits that could lower premium costs. We’ve also got a statewide network of assisters who offer free, in-person help so consumers can be sure they’re finding the health care plan that meets their needs.”

Open enrollment figures will be released next Wednesday (11/13) at MNsure’s public board meeting at 1 p.m.

By the numbers: As of end of day, November 7

And we're off! via Minnesota's ACA exchange, MNsure.org:

MNsure Open Enrollment begins Today and Runs through December 23

ST. PAUL, Minn.—MNsure's seventh open enrollment period begins today, November 1. Minnesotans looking for coverage should visit MNsure.org to shop and compare plans. MNsure's seven-week open enrollment period runs until December 23, 2019.

Representatives from MNsure's Contact Center will be answering calls from 7 a.m. until 6 p.m. this evening. Extended hours can be found below. 

Help is available:

I'm not sure how this slipped by me, but in addition to Covered California already having launched their 2020 Open Enrollment Period yesterday, five other state-based ACA exchanges are already partly open as well. That is, you can shop around, compare prices on next year's health insurance policies and check and see what sort of financial assistance you may be eligible for:

I'm not sure when the other 7 state-based exchanges will launch their 2020 window shopping tools, nor do I know when HealthCare.Gov's window shopping will be open for the other 38 states, although I believe they usually do so about a week ahead of the official November 1st Open Enrollment Period launch date.

via MNsure:

Getting ready for MNsure's open enrollment period: what to know and how to prepare

  • Open enrollment runs November 1 through December 23, 2019

ST. PAUL, Minn. — The MNsure open enrollment period begins in less than one month. To ensure Minnesotans are prepared to shop and enroll in coverage starting November 1, MNsure is highlighting some important information:

Open enrollment is shorter this year — don't miss out on coverage

MNsure's open enrollment period for 2020 health and dental coverage will be seven weeks long — beginning November 1, 2019, and ending December 23, 2019. Minnesotans should note that open enrollment is shorter than previous years and all those who enroll during open enrollment will have a start date of January 1, 2020.

MNsure assisters are ready to help — schedule an appointment today

MNsure has a statewide network of expert assisters who can help Minnesotans apply and enroll, free of charge. The assister can be a navigator or a broker.

Back in July, I noted that the Minnesota Commerce Department announced the preliminary 2020 rate changes for carriers on the individual and small group markets. At the time, the weighted average increases were roughly 1.6% and 5.5% respectively, although the enrollment estimates for each carrier were estimates only.

Today, the MN Commerce Dept. announced the approved rates for 2020, and in both markets, they shaved average premiums down a couple of points. Here's the actual Commerce Dept. press release:

Commerce releases 2020 health insurance rates for Minnesota

Minnesota’s individual and small group health insurance market rates for 2020 reflect stabilized markets, according to information released today by the Minnesota Department of Commerce in advance of the open enrollment period beginning November 1.

Long-time readers may have noticed that, while I've obviously ripped on the Trump Administration a lot for the various ways they've screwed around with administration of the ACA over the past 2 1/2 years, there's a handful of actions they've taken which I haven't criticized them for...or at least, which I've been fairly circumstpect about being too critical about.

The biggest, and perhaps most surprising, of the latter is the Centers for Medicare & Medicaid (CMS) decision to shorten the offiical Open Enrollment Period (OEP) roughly in half, from three months (Nov. 1st - Jan. 31st) down to just six weeks (Nov. 1st - Dec. 15th). There's a couple of reasons for this.

First and foremost...the Obama Administration was already planning on shortening the period...it's just that they intended to make the change starting in 2018 instead of 2017. This is from February 2016, long before Trump even secured the GOP nomination:

MLR rebate payments for 2018 are being sent out to enrollees even as I type this. The data for 2018 MLR rebates won't be officially posted for another month or so, but I've managed to acquire it early, and after a lot of number-crunching the data, I've recompiled it into an easy-to-read format.

But that's not all! In addition to the actual 2018 MLR rebates, I've gone one step further and have taken an early crack at trying to figure out what 2019 MLR rebates might end up looking like next year (for the Individual Market only). In order to do this, I had to make several very large assumptions:

The Minnesota Commerce Dept. just posted their preliminary 2020 Individual and Small Group rate changes. The actual rate changes are pretty straightforward...a mere 1.6% average rate increase on the ACA Individual Market, and a 5.5% increase on the Small Group market.

Unfortunately, the actual effectuated enrollment for each carrier (which I use to calculate the weighted average) was provided in either the MN Commece website post or even in the currently-available raw SERFF rate filing forms, so I had to put together estimates based on last year's market share numbers, modified for 2019 based on the on-exchange portion of the total enrollment for the Indy market (for the small group market I just went with the straight 2018 shares).

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