Washington State

A couple of weeks ago I wrote an extensive piece laying out what seemed, at first glance, to be a bona fide state-level Public Option bill quietly working its way through the Washington State legislature:

Democrats in Olympia push through governor’s 'green' agenda and public healthcare coverage bills

...Another key item on the governor’s agenda is the so-called “public option” socialized health care coverage measure, SB 5526. This bill would create subsidized state-funded public health plans managed by regulated insurance companies. It would require the State Insurance Commissioner and the Health Care Authority to set up the socialized plans by 2021.

,,,These plans would be available through the state’s health care exchange to all residents, but the state would pay subsidies to individuals with incomes of up to five times the poverty level. Premiums would be limited to no more than ten percent of adjusted gross income, and payments to doctors and other health care providers would be restricted to Medicare-level limits.

I don't know if I'm just asleep at the wheel when it comes to healthcare happenings in Washington State lately, but this one caught me by surprise as well:

Today I signed a bill that protects Affordable Care Act health care insurance practices in WA state. This bill assures Washingtonians that regardless of what happens in D.C., we’re protecting your access to care here here at home. #waleg #ACAhttps://t.co/e3g35Fch68

— Governor Jay Inslee (@GovInslee) April 17, 2019

From the official press release:

Back in January, 2nd-term Washington Governor and Democratic Presidential candidate Jay Inslee jumped fully onboard the Public Option train:

Inslee proposes ‘public option’ health-insurance plan for Washington

The proposal, which Inslee said is the first step toward universal health care, is geared in part to help stabilize the exchange, which has wrestled with double-digit premium increases and attempts by Republicans in Congress and President Donald Trump to dismantle the Affordable Care Act.

...The proposal would have the state Health Care Authority contract with at least one health-insurance carrier to offer qualified health coverage on the Washington Health Benefit Exchange, according to a summary of the proposal.

This Just In from the Washington State Insurance Commissioner's office...

Kreidler's bill to protect consumers from surprise billing passes Senate
April 10, 2019

OLYMPIA, Wash. – Insurance Commissioner Mike Kreidler’s proposal to end the harmful practice of surprise medical billing passed the Senate today on a vote of 47 to 0. It now goes back to the House of Representatives for a concurrence vote before heading to the governor’s desk.

Second Substitute House Bill 1065 (www.leg.wa.gov) prevents consumers from getting a surprise bill when they seek either emergency treatment at an out-of-network emergency room or medical services at an in-network hospital or facility but are treated by an out-of-network provider.

The Washington Health Benefit Exchange today announced that more than 200,000 people purchased their 2019 health insurance coverage through Washington Healthplanfinder, the state’s online health insurance marketplace, during the most recent open enrollment period held Nov. 1 through Dec. 15 of last year.

Even with the four percent decrease in total number of enrollments reported from February of 2018, the Exchange saw more than 90 percent of those who selected a 2019 health plan during the open enrollment period make their initial premium payment.

A 4% drop may sound bad, but total QHP selections during OE6 were actually down 8.3% year over year (from 243K to 223K), so this is actually an improvement in that sense. 90.5% of those who selected policies are still effectuated as of February this year vs. 86.4% as of February in 2018.

Something is definitely in the water this week, and I believe it's called "Democrats hitting their stride on healthcare reform":

And now, this:

Gov. Jay Inslee and Democratic lawmakers Tuesday announced proposed legislation for a new “public option” health-care plan under Washington’s health-insurance exchange.

The proposal, which Inslee said is the first step toward universal health care, is geared in part to help stabilize the exchange, which has wrestled with double-digit premium increases and attempts by Republicans in Congress and President Donald Trump to dismantle the Affordable Care Act.

“We are proposing to the state Legislature that we have a public option that is available throughout the state of Washington so that we can increase the ability to move forward on the road to universal health care in the state of Washington,” said the governor, who is considering a run for president in 2020.

Huh. I mentioned this the other day, but apparently it's a bigger thing than I thought:

Limited Time Special Enrollment Period for 2019 Coverage
Posted on: December 17, 2018

Did you hit a snag trying to enroll in 2019 coverage during open enrollment? The Health Benefit Exchange is offering a special enrollment for individuals who were not able to enroll before the end of Open Enrollment.

You still have the chance to enroll in 2019 coverage

In light of this year’s shortened open enrollment period along with other barriers, you still have the chance to enroll in 2019 coverage. If you were unable to select a plan before the close of open enrollment and you would like to enroll in a 2019 plan, contact Customer Support (1-855-923-4633) no later than December 20, 2018! Once you have contacted Customer Support, you will have until December 28, 2018 to select a plan. Plans will still be effective on January 1, 2019.

(sigh) Drat. The state-based exchange enrollment reports keep on rolling, but I'm afraid the streak of outperforming last year's numbers has come to a screeching halt in Washington State:

Washington Healthplanfinder Sign-Ups Surge Past 222,000 In Strong Final Weekend
More than 11,000 plans selected during open enrollment’s closing hours, additional sign-ups expected this week

December 17, 2018

The Washington Health Benefit Exchange today announced that a total of 222,636 customers selected a 2019 health plan through Washington Healthplanfinder, the state’s online health insurance marketplace, by last Saturday’s midnight deadline to enroll. The total number of plan selections is only slightly lower than the 242,000 sign-ups posted during the 2018 open enrollment period that stretched one month longer.

A couple of weeks ago I reported that the Washington Health Benefit Exchange had enrolled over 196,000 people in ACA exchange policies as of November 28th, putting them about 3% ahead of last year's tally as of the same date.

Today they issued another unofficial update which pegs their total at "more than 200,000 Washingtonians" (there's no exact number provided):

OLYMPIA, Wash. — The Washington Health Benefit Exchange is alerting all customers today that less than 72 hours remain before the deadline to sign up in 2019 health and dental coverage through Washington Healthplanfinder. Customers who have not yet selected a plan have until the close of open enrollment at 11:59 p.m. this Saturday, Dec. 15 to select their coverage for next year.

A couple of weeks ago I reported that the Washington Health Benefit Exchange reported enrolling a seemingingly astonishing 190,000 people into 2019 policies in just the first 10 days of the 2019 Open Enrollment Period. This is highly misleading, of course, because only a small fraction of these are new enrollees, and a somewhat larger portion are current enrollees actively renewing their policies.

The vast bulk of that 190K are current enrollees who are auto-renewed into 2019 policies by the exchange itself...with the option to then actively go into the system and opt to cancel their renewals if they wish. There's nothing wrong with this, and in fact more and more of the state exchanges seem to be doing it this way as they improve and streamline their software (I've confirmed that Maryland, Massachusetts, Minnesota, Rhode Island and Washington State are "front-loading" autorenewals this year, although Maryland hasn't actually reported their data yet).

Pages

Advertisement