END OF 2018 OPEN ENROLLMENT PERIOD (Connecticut & Maryland)

Time: D H M S

Charles Gaba's blog

After the massive spike in enrollments seen in mid- to late December, regular site visitors might be a bit disappointed at the relative dearth of increases since New Year's. There have actually been quite a few updates, including several impressive percentage increases, but the actual numbers involved have been relatively small compared to the massive jumps seen just a few weeks ago. In short, you're probably wondering why the total number of private enrollments which shot up to 2.1 million in late December only seems to have gone up about 80,000 more since then.

There are three reasons for this:

First, obviously there was a tremendous sense of urgency for people to enroll in time for January 1st coverage. A drop-off after Christmas has long been expected, although this has been a bit fuzzy as the actual enrollment deadline bounced around, from 12/15 to 12/23, then 12/24 (for most states), then 12/27 or 12/31 for a handful, and finally as late as 01/06/14 for Oregon.

Ironically, even though the article itself is primarily about Medicaid expansion in Nevada (from a newspaper in Georgia), I can't actually use the Medicaid numbers provided since they're fuzzy. It does, however, give slightly higher numbers for private enrollments in NV.

It also mentions 23,000 dental plans, which I'm not even covering. In other news, the spreadsheet includes minor corrections to both Colorado (private enrollment typo had it off by 10) and Minnesota (I had MN down as 26,001 based on "just over 26,000", this article specifies it as being exactly 26,011...or an increase of 10, although that also means decreasing  the MN Medicaid number by 10 as well).

Another report presented later Thursday to the board overseeing Nevada's insurance exchange shows 17,946 people who shopped for private insurance through the online portal have confirmed plan selections. Of those, 10,776 have paid the premiums. About 23,000 have chosen stand-alone dental coverage.

It looks like the exchanges are starting to become more sensitive to the distinction between paid and unpaid enrollments; Delaware is the 5th state exchange to start separating these numbers out (or perhaps the media is just starting to do so based on the numbers released). In any event, depending on how you look at it, Delaware's private enrollments have gone up either 44% or 400% since the 793 enrolled as of December 12, and Medicaid enrollees have gone up 3.7x the 1,822 that it stood at as of 11/30.

Delaware officials reported Thursday that 1,145 people have enrolled in the state’s new health insurance exchange and paid their first premiums under the federal health care reform law.

The 1,145 paid enrollees are among 3,183 people who, as of Jan. 3, had chosen one of the health care plans offered on the exchange, suggesting that most of those who have chosen plans have not yet paid for coverage.

No new private enrollment numbers, but Rhode Island's Medicaid expansion jumped from 6,627 at the end of November to 19,941 as of yesterday. For some reason the article claims a "quadrupling" from 5,280, but the official HHS number for 11/30 is 6,627, so I'm not sure what that's about (they also claim the quadrupling was "in December" even though the same number shows up as being "through Wednesday" which was January 8th).

In any event, a nice Medicaid bump (or a horrific one, depending on your POV) for Rhode Island.

The number of Medicaid enrollments through HealthSource RI totaled 19,941 as of Wednesday, with an additional 1,500 sign-ups pending, David Burnett, chief of government and public affairs at the R.I. Executive Office of Health & Human Services, revealed Wednesday in response to a request from WPRI.com.

The number of Medicaid sign-ups on HealthSource RI roughly quadrupled in December, jumping from 5,280 to 19,941, amid a drumbeat of publicity about deadlines to get coverage under President Obama's new health law.

The prior MA update was extremely confusing; this one is more straightforward but is still pretty fuzzy. As far as I can tell, Massachusetts increased their private enrollments by 24% from Dec. 30 to Jan. 7...but that only brings them up from 3,759 to 4,676. There's another 22,000 or so enrollments in semi-limbo which appear to be approved but not fully processed due to the technical problems they continue to have.

The Republican/MassLive.com previously reported that as of Dec. 30, only 497 people were enrolled in permanent subsidized health insurance plans. The state was providing temporary insurance for another 22,000 new enrollees while it worked to process their applications. The state had extended coverage for existing customers of its Commonwealth Care plans through March 31.

Lefferts said that as of Jan. 7, 4,676 people enrolled in both subsidized and unsubsidized plans through the Health Connector, up from 3,759 as of Dec. 30. He did not have a breakdown of how many of those were subsidized. Individuals whose plans are not subsidized have until Friday to pay their premiums, so that number is likely to tick up.

Pretty slim pickings here on the private enrollment front (up just 141 assuming "slightly more than 26K" = 26,001), but the Medicaid number is up 9.6% to 45,981.

Despite MNsure's problems, so far 71,982 people have signed up for insurance coverage through the exchange. According to newly released demographic details, 53 percent are women and the median age is 48. The largest number signed up for mid-level "silver" plans — about 35 percent of total enrollees. Of those nearly 72,000 enrollees, slightly more than 26,000 signed up for private insurance while the rest are on public plans.

Some interesting numbers out of Washington State. While private enrollments are only up 6% over 12/23 (143,383 vs. 135,078; the % paid as of 01/02 has increased from 48% to 52%), the Medicaid numbers are quite different, due to changes in how they're being reported.

Previously, "Newly Eligible" and "Previously Eligible" were lumped in together with "Redeterminations" (ie, people who were already on Medicaid prior to ACA expansion and are simply renewing their accounts). However, WA is the only state (so far) to list "redeterminations" separately, so I've left those out this week. With all the concern and confusion about how many ACA enrollees are "new" to having healthcare coverage, this seems like a wise move. Of course, this also means that the Medicaid total is actually somewhat lower than I had it previously, even with the additional new enrollees since 12/23. 

As a result, the total Medicaid number for WA is now 177,065 vs. the previous 194,398, a "drop" of 17,333. The new number is lower, but more accurate reflection of the actual impact of the ACA on Medicaid...in 1 state. Hopefully other states (and the HHS) will start separating out "redeterminations" going forward as well, if possible.

We have our 3rd Oregon update this week today; they're now up to 20,000 private enrollments as of Monday, plus another 35,000 Medicaid expansion additions. Add this to the 114,500 automatic enrollments via the Oregon Health Authority, and that brings their total Medicaid tally to 149,500.

In total, about 170,000 people have new health insurance beginning this month under new funding and rules of the Affordable Care Act. A majority of them are Oregon Health Plan enrollees, a program for low-income residents...

Monday was the last day for Oregonians to finalize their commercial plan selections on Cover Oregon. Of the 55,000, about 20,000 new enrollees purchased private plans. About 35,000 enrolled in Oregon Health Plan through Cover Oregon, and the majority of the new OHP enrollees signed up directly through Oregon Health Authority.

The Nevada ACA exchange, which apparently only uses Twitter for press releases, just announced that private enrollments have gone up from 12,745 as of 12/23 to 17,673 as of January 4th, a 38% increase.

They're also one of only 3 states to specify paid vs. unpaid status so far; they've gone from 49% paid as of 12/23 to 60% paid (10,647) as of 1/4.

Update as of 1/4: 915,977 unique individuals visited Nevada Health Link. 17,673 consumers confirmed QHP selections, 10,547 have paid.

The final December tally for Rhode Island is in, and also gives a clearer picture of the "But how many have PAID???" talking point. As of New Year's Eve, 11,305 people had enrolled in a plan, of which 2,300 still hadn't paid as of 2 days ago. That means that at least 80% of RI private exchange enrollees are paid in full. No new Medicaid numbers in the article.

Depending on your POV, this also means that Rhode Island has also now hit either 94% (if you're counting unpaid enrollments) or 75% (if you're not) of their 12,000 CBO projection for 3/31/14. See this story for additional discussion.

Monday night, HealthSource RI, the Obamacare marketplace in Rhode Island, sent emails to 2,300 people who had not paid as of Jan. 5 to tell them they had until 4 p.m. on Jan. 8 to pay the first month's premium, and their plans will still be effective retroactive to Jan. 1.

HealthSource RI reported Monday that 11,305 people selected plans as of the Dec. 31 deadline, but not all had paid.

Yesterday, Theda Skocpol of Harvard University cited the data at this site in a brief about state progress in implenting the Affordable Care Act posted at the Scholars Strategy Network website. This brief--particularly the accompanying visual graph--was in turn cited in articles posted at both Talking Points Memo and Mother Jones. The gist of both the brief as well as these articles is that the states which have been cooperating with the ACA have been far more successful in enrolling people in both private insurance plans as well as publicly-funded plans such as Medicaid, SCHIP and related state-run programs.

Connecticut, the first state to exceed their March 31 enrollment deadline back on December 23rd, continues to keep their momentum up, adding at least another 12,000 people to their rolls since the 12/23 deadline for January coverage. The article doesn't distinguish between private plans and Medicaid expansion, so I've broken it out roughtly 55/45 for now to match their previous numbers.

This brings CT up to nearly 41,000 private enrollments and over 33,000 added to Medicaid/CHIP.

Many state residents are aware that enrollment is still open, as Counihan said enrollment through Access Health CT has remained strong over the past week or so.

"We're still doing a thousand a day," Counihan said. "I would have thought that, after Dec. 23, things would have really dipped."

The Vermont numbers have been alternately impressive and confusing at the same time.  The wording of a prior article from 12/12 made it sound like the 45,000 (at the time) people were split between private enrollments and Medicaid expansion, but also made reference to 29,200 people being enrolled "directly via their employer". At the time, I wasn't sure what to do with that number, so I ignored it. However, the more recent article again references the same 29,200 people; after comparing the 2 articles, it seems pretty clear to me that these would fall under the category of "direct" or "off-exchange" enrollees (although they also might fit under "small business exchange enrollments", which is a category I haven't even added yet). Add this to the 22,800 private exchange enrollments and you have 52K total.

In a December 23rd interview with the Des Moines Register, CoOportunity Health (1 of 2 companies participating in IA's ACA exchange (and 1 of 3 participating in NE) said they had enrolled 2,577 people in private plans in Iowa via the HC.gov exchange as of 12/20. However, they also mentioned a total of 8,583 enrollments state-wide as of 12/20, meaning another 6,006 people were enrolled directly through the company, bypassing the exchange completely.

I contacted Leigh McGivern, the PR representative for CoOportunity Health, who informed me that CoOportunity operates in Nebraska as well, and gave me more recent and detailed numbers for both states: 3,468 exchange-based enrollments (not sure if this is people or households) in Iowa, and another 7,362 exchange-based enrollments in Nebraska.

(Note: The spreadsheet numbers for IA & NE were actually updated with this data a couple of weeks ago, but it took me this long to get around to writing up the explanation)

In a December 23rd interview with the Des Moines Register, CoOportunity Health (1 of 2 companies participating in IA's ACA exchange (and 1 of 3 participating in NE) said they had enrolled 2,577 people in private plans via the HC.gov exchange as of 12/20. However, they also mentioned a total of 8,583 enrollments state-wide as of 12/20, meaning another 6,006 people were enrolled directly through the company, bypassing the exchange completely.

I contacted Leigh McGivern, the PR representative for CoOportunity Health, who informed me that CoOportunity operates in Nebraska as well, and gave me more recent and detailed numbers for both states: 3,468 exchange-based enrollments (not sure if this is people or households) in Iowa, and another 7,362 exchange-based enrollments in Nebraska.

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