New York

(Note: Most of this is a shortened version of my post from seven weeks ago...with a pretty important update at the end):

Just over a year ago, Bright HealthCare, which was only founded in 2016, announced that they were dramatically expanding their operations around the U.S.:

Bright HealthCare Expands Affordable Plans in 42 New Markets Next Year Including in Texas, Georgia, Utah and Virginia

New York State of Health

via NY State of Health:

  • Consumers Can Preview Affordable and Comprehensive Plan Options Now, Enroll Starting November 16, 2022
  • Enhanced Federal Financial Assistance Will Remain Available for 2023 Health Coverage

ALBANY, N.Y. (October 5, 2022) – NY State of Health, the state’s official health plan Marketplace, today announced the health and dental insurance plans offered through the Marketplace for the upcoming 2023 Open Enrollment Period. New Yorkers shopping for a Qualified Health Plan can compare plan options now and be prepared for the 2023 Open Enrollment Period, which begins on November 16, 2022 and runs through January 31, 2023.

New York

via NY State of Health:

ALBANY, N.Y. (August 17, 2022) – “I applaud President Biden’s signing of the Inflation Reduction Act, which extends enhanced financial assistance for health insurance under the American Rescue Plan Act (ARPA). The increased access and affordability of health insurance made possible by ARPA’s enhanced financial assistance has allowed NY State of Health to reach momentous enrollment milestones, serving as a critical safety net for individuals and families who lost their jobs and/or income, and providing health insurance to nearly 6.6 million individuals, or one in three New Yorkers, by the end of May 2022.

Extension of the ARPA subsidies as part of the recently passed Inflation Reduction Act, allows the Marketplace to continue assuring access to low cost, comprehensive coverage, and supports our commitment to give all New Yorkers the opportunity to shop for the best health plan for themselves and their families. Thanks to the ARPA extension, New Yorkers can get help paying for the coverage they need now, to protect their health for the future.” 

Sherman, set the Wayback Machine to 2015:

MICHIGAN: Another One (Mostly) Bites The Dust; 12th CO-OP Drops Off Exchange, May Go Belly-Up

It appears that East Lansing-based Consumers Mutual Insurance of Michigan could wind down operations this year as it is not participating in the state health insurance exchange for 2016.

But officials of Consumers Mutual today are discussing several options that could determine its future status with the state Department of Insurance and Financial Services, said David Eich, marketing and public relations officer with Consumers Mutual.

Consumers Mutual CEO Dennis Litos said: "We are reviewing our situation (financial condition) with DIFS and should conclude on a future direction this week.”

While Eich said he could not disclose the options, he said one is “winding down” the company, which has 28,000 members, including about 6,000 on the exchange.

New York

I wasn't expecting New York to be the first state to publicly release their final/approved rate filings, but so be it (in fact, they're just the first state I'm aware of to do so).

Thanks to Michael Capaldo for the heads up on this press release from the NY Dept. of Financial Services:

DFS ANNOUNCES 2023 HEALTH INSURANCE PREMIUM RATES, SAVING NEW YORKERS $799.5 MILLION

New York State of Health

via NY State of Health:

ALBANY, N.Y. (July 11, 2022) – NY State of Health, the state’s official health plan Marketplace, today released Health Insurance Coverage Update: Impact of ARPA Subsidies. The enrollment report, which compares data from March 2020 to May 2022, describes how millions of New Yorkers have benefitted from access to affordable, comprehensive coverage through the Marketplace thanks to flexibilities permitted during the Federal COVID-19 Public Health Emergency (PHE) and ARPA premium subsidies. Currently, federal enhanced subsidies do not extend into 2023 and New York’s uninsured rate is expected to rise, reversing the progress in insurance coverage made since the start of the pandemic.

Read the Marketplace’s July 2022 Health Insurance Coverage Update: Impact of ARPA Subsidies

New York

The New York Dept. of Financial Services hasn't issued a formal press release yet, so it's conceivable that a few more filings will be added, but as far as I can tell, the spreadsheet below contains the preliminary unsubsidized 2023 premium change requests for every carrier offering ACA-compliant individual and small group market healthcare policies.

I've poked around the actual actuarial nattative summaries for several of the carriers with the higher market share (Excellus, Fidelis, etc) and while I see a couple of references to the set-to-expire expanded American Rescue Plan subsidies being set to expire at the end of 2022, this isn't listed as a significant factor in the rate filings (at least the ones I've looked at).

Assuming these rate hikes are approved of as is (which is no sure thing; New York tends to cut them down somewhat), unsubsidized individual market enrollees will be looking at average premium increases of 18.8%, while small group market policyholders will see a 16.3% average increase.

New York State of Health

via NY State of Health:

  • Enrollment Specialists Available at YMCAs Across the State on April 30th
  • New Yorkers Can Learn About the Availability of Expanded Financial Assistance
  • Year-Round Enrollment Opportunities Available

ALBANY, N.Y. (April 25, 2022) - NY State of Health, the state’s official health plan Marketplace, announced today that it will join the YMCA in celebration of their annual Healthy Kids Day, held this year on Saturday, April 30th.  NY State of Health enrollment specialists are attending Healthy Kids Day events throughout the State, to educate New Yorkers about obtaining quality, low-cost health coverage through the Marketplace. Event attendees will be able to meet certified enrollment assistors at more than 25 YMCA locations to receive enrollment guidance and learn about the availability of increased financial assistance made available through the American Rescue Plan Act. 

New York State of Health

via NY State of Health:

Enrollment Assistors Visit Public Libraries in Upstate New York Throughout April and May to Educate Patrons on Their Health Plan Options and Help Them Enroll

ALBANY, N.Y. (April 13, 2022) - NY State of Health, the state’s official health plan Marketplace, today announced that certified enrollment assistors will be available at public libraries across upstate New York this spring.  The enrollment assistors will visit libraries throughout April and May to educate New Yorkers about enrolling in quality, affordable health insurance. Assistors will provide in-person support to library patrons by educating them on their plan options, answering questions, scheduling appointments, and helping with enrollment. 

New York State of Health

via NY State of Health:

  • State's Health Insurance Marketplace Served as a Critical Safety Net for Over 6.5 Million New Yorkers During the COVID-19 Pandemic
  • Governor Encourages Congress to Extend American Rescue Plan Tax Credits to Preserve This Critical Health Insurance Coverage for New Yorkers
  • 2022 Open Enrollment Period for NY State of Health Qualified Health Plans Will Remain Open for the Duration of the Federal Public Health Emergency

Governor Kathy Hochul today recognized the 12th anniversary of the Affordable Care Act and the resulting historic levels of health insurance coverage through NY State of Health, the state's official health plan Marketplace. NY State of Health serves as a critical safety net for over 6.5 million New Yorkers.

"In Congress, I fought tooth and nail against attempts to repeal the Affordable Care Act because it was the right thing to do for millions of Americans," Governor Hochul said. "As Governor, I remain committed to making sure that every New Yorker can obtain quality, affordable health care."

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