END OF 2018 OPEN ENROLLMENT PERIOD (42 states)

Time: D H M S

REMINDER: The ACA itself is still in jeopardy on three different fronts.

I've written not one, not two, but three different blog entries in the past 24 hours about Bernie Sanders' just-announced "Medicare for All" proposal...but the reality is, I shouldn't have. Frankly, while it's a discussion/debate that we do need to have, making a big thing about it right this moment is, the more I think about it, terrible timing, because the Affordable Care Act is still in being attacked and at risk in several ways:

  • FIRST: The CSR issue still hasn't been resolved, although at this point it's extremely unlikely that Patty Murray and Lamar Alexander are going to pull a CSR/reinsurance rabbit out of their hats after all. Last week things looked somewhat promising, but this week it appears to have gone off the rails again...and with just 17 days left in the fiscal year (and, I believe, only 14 days before the contracts have to be signed by carriers for 2018 exchange participation), there's almost no time left to get even a minor stabilization bill pushed through.
  • SECOND: On a related note, Bill "so much for the Jimmy Kimmel test!" Cassidy and Lindsey Graham are still trying to cram through their pile-of-garbage Hal Mary Trumpcare bill, which is at least as bad as the GOP's failed AHCA/BCRAP bills were earlier this year and even worse in some ways. Again, there's only 17 days left to pull it off, but remember what happened with AHCA last spring...anything's possible. Here's a summary of the impact of the Cassidy-Graham bill via Andy Slavitt and the Centers for Budget & Policy:

Covered California Executive Director Peter V. Lee released an in-depth report on Wednesday regarding the critical role that marketing and outreach play in promoting a stable individual health insurance market and making coverage more affordable.

“A comprehensive marketing and outreach campaign has been a critical ingredient of Covered California’s success, and more importantly is a vital component of any effort to promote stability in individual markets across the nation,” said Lee. “Getting the word out is a proven way to promote enrollment and bring more healthy people into the risk pool, which lowers premiums and saves money for everyone.”

The report, “Marketing Matters: Lessons From California to Promote Stability and Lower Costs in the National and State Individual Insurance Markets,” was presented at a forum in Washington D.C. It provides an in-depth summary of research on the role of marketing health insurance, and analysis of the lessons Covered California has learned since first opening its doors.

The report highlights the following facts:

  • Covered California’s extensive marketing and outreach helped the state’s individual market have one of the best take-up rates and lowest risk scores in the nation. As a result, premiums were between $850 million and $1.3 billion lower than they would have been if the state had the national average risk mix in 2015 and 2016.
  • Covered California estimates that every marketing dollar it has spent has yielded more than a three-to-one return on investment (ROI). Efforts to promote the value of coverage and the options available to consumers boosted the enrollment of healthy consumers and likely lowered premiums by 5 to 8 percent in 2015 and 2016.

“The evidence is clear: While multiple elements are needed for stability in the individual markets, making robust investments in comprehensive outreach and marketing pays off by helping enroll a broad mix of consumers,” Lee said. “The data underscore the benefits of supporting marketing as a central element to stabilizing insurance markets.”

The report found that if the Federally-facilitated Marketplace (FFM) invested at a comparable rate to Covered California — which devotes 1.4 percent of the marketplace’s total premiums to marketing and outreach — it would invest $480 million, which is more than 10 times what the federal government recently announced it would spend to promote enrollment for 2018. The analysis finds that if the FFM invested at this level over three years, it would likely result in 2.1 million more Americans enrolling or keeping their coverage during this time, while decreasing premiums by an average of 3.2 percent, and generate a return on investment for the spending of about five to one.

By contrast, the report details modeling of the potential impact of the announced 72 percent reduction in federal marketing and outreach funding. This lower level of marketing will likely result in 1 million fewer Americans getting insurance, and premiums that will be more than 2.5 percent higher.

I'm all for continuing the debate/discussion about what the next major phase in achieving quality, universal, comprehensive, affordable healthcare should be...but I think the timing of Bernie's big rollout today steals vital attention away from focusing on preserving the ACA and combatting the Trump/GOP sabotage at a critical moment. Ideally, I think he should have waited until February 1st, 2018 (the day after Open Enrollment ends in every state) to make his "Medicare for All" launch, but at the very least, he could have easily waited untl October 1st, after the clock runs out on the 2018 fiscal year.

But...he didn't, so here we are. Several people have assured me that "we can walk and chew gum at the same time", etc etc, and I hope that's true. I'm OK keeping some focus on the single payer issue, as long as we don't take our eye off the ball.