Over at Balloon Juice, Richard Mayhew has posted a great piece illustrating, once again, the importance of looking past the scary headlines to find out 1) what the true picture is (ie, taking all of the rate changes into account--not just the biggest ones--and weighting them by proportionate market share), and 2) what's going on with your situation, not someone else's:
As expected, the initial ask by insurers is being revised down. It is easier for insurers to get state regulators to agree to a lower number from the initial than to get the regulators to agree to a higher number than the initial ask. That allows regulators and their champions to point to a clear example of their effectiveness at protecting the public. This is a bit of a kabuki. In my state, when Mayhew Insurance and our competitors submit rates, there is a de facto implicit fudge factor built into the rates (usually as excess reserve accumulation) that everyone expects to be cut by the third round of review.
Tom Wolf, the newly-elected (Democratic) Governor of Pennsylvania, announced back in March that yes, he would absolutely push to "establish" a state ACA exchange in the event of a King plaintiff win, and earlier this week he made good on this by formally submitting an application to the HHS Dept.:
Pennsylvania became the first state Tuesday to publicly put in motion a back-up plan to protect its federal health insurance subsidies in the event the Supreme Court dismantles a key part of President Obama’s health care law.
So, the good news is that new Democratic Pennsylvania Governor Tom Wolf, who has already scrapped his predecessor's unnecessarily confusing "alternative" Medicaid expansion plan in favor of regular expansion, has officially submitted a latter to the HHS Dept. stating that yes, if the Supreme Court does rule against the government in the King v. Burwell case, PA will indeed establish their own ACA healthcare exchange.
HARRISBURG, Pa. (AP) - Gov. Tom Wolf's administration advanced plans Friday to maintain federal health insurance subsidies for nearly 400,000 Pennsylvanians ahead of a U.S. Supreme Court decision that could wipe out the aid to insurance buyers in some states.
The Democrat wrote to U.S. Health and Human Services Secretary Sylvia Burwell to declare his administration's intent to take over operation of the insurance marketplace in 2016. The federal government currently operates the marketplace, which is a prominent feature of the 2010 federal health care law designed to extend insurance coverage to 35 million Americans.
This article is a bit outdated (it's from March 3rd); thanks to Andrew Sprung for finding it for me. Apparently over 200,000 people are now enrolled in Pennsylvania's "Healthy PA" program, which is the "alternative" Medicaid expansion plan set up by GOP Governor Tom Corbett prior to new Democratic Governor Tom Wolf taking charge. Wolf is in the process of flipping the program back to "standard" Medicaid expansion, but is running into a few snags:
Under former Gov. Tom Corbett's Healthy Pennsylvania program, the state built a second Medicaid managed-care system, separate from its HealthChoices Medicaid system that serves about 1.6 million residents. About 600,000 residents are eligible for the expanded coverage and about 200,000 have enrolled.
Outgoing Republican Pennsylvania Governor Tom Corbett tried a desperate hail mary play to save his job: Expanding Medicaid via the Affordable Care Act, but doing it in an absurdly complicated and confusing way in order to appease his Republican base. It didn't work; he lost to Democrat Tom Wolf, one of the few bright spots for the Dems in an otherwise lousy 2014 election.
My most recent data for PA's "Healthy PA" program (their implementation of the ACA's Medicaid expansion provision) was 118K, so I wasn't going to post on this today, but a subsequent update says that the actual number is higher still, at 134,000:
State officials estimate that as of January 1, 2015 about 600,000 Pennsylvanians became eligible for Medicaid through its newly expanded Healthy Pennsylvaniaoption.
Enrollment began last month, and as of Monday, a spokesperson reported the state had received at least 114,000 household applications (it's unclear how many came from people who were previously uninsured).
.@sangerkatz just got another update - # of household applications for #HealthyPAwent up to 134K (unclear how many previously uninsured).
About 2.3 million Pennsylvanians are currently enrolled in Medicaid, Gillis said, and as of Dec. 22, about 88,000 households had applied for Healthy PA, with approximately 30,000 additional applications sent to the state from healthcare.gov. The number of applications from each county is not yet available, Gillis said.
The department is still processing applications but, she said, most of the new sign-ups are going into the Private Coverage Option, which is for people who are newly eligible because Healthy Pa.’s income limits — 133 percent of the federal poverty level, with a 5-percent income disregard — will be broader than Medicaid’s are.
PA has around 600K residents eligible for the expansion program, so that's about 20% who have already signed up so far.
As the article notes, just because someone applies for Medicaid doesn't mean that they'll be approved (or some in the household might while others aren't). Still, assuming that, say, 95% are approved and enrolled, and assuming 1.8x people per household on average (the Census Bureau says it's more like 2.5x), that should still be a good 125K Pennsylvania residents added to the tally in the first 2 weeks...or over 20% of the total eligible in the state:
Two weeks after enrollment began, the state has received tens of thousands of applications for health care coverage by way of the “Healthy PA” program, which offers subsidized, Medicaid-like insurance through private carriers to low-income Pennsylvanians.
As of the end of the day Wednesday, the state had received applications from nearly 44,000 households, according to the Department of Human Services. It also has received an additional 30,000 household applications referrals through the federal health care marketplace.
That doesn’t necessarily mean all those applicants will be eligible to receive coverage, though likely many of them will be, said Kait Gillis, a DHS spokeswoman.
I don't know exactly how many individual people a "household" represents, but I've typically used a 1.8x multiplier to be very cautious (the Census Bureau uses 2.63x).
That suggests the actual number of PA expansion enrollees is more like 49,000 people in just the first week, which would be a fantastic start.
The Corbett administration reached an agreement with the federal government this year to launch the Healthy PA program in lieu expanding Medicaid. Open enrollment in the program has started and coverage will take effect Jan. 1. However Governor-elect Tom Wolf says he will scrap Healthy PA and opt in to Medicaid expansion.
The impending switch apparently has confused many low-income Pennsylvanians, and some are sitting on the sidelines rather than signing up for coverage.
“The most important things is for people to enroll and to get their names on the list,” said State Rep. Vincent Hughes (D- Philadelphia). “If they are not on the list then they won’t get the coverage."
Despite the confusion, more than 27,000 households applied for coverage in the first week of enrollment, which began Dec. 1.
