END OF 2018 OPEN ENROLLMENT (MASSACHUSETTS)

Time: D H M S

Connecticut

Access Health CT already reported their top-line 2018 Open Enrollment Period number and a few other data points via Twitter a couple weeks ago, but they just issued a more detailed press release:

LT. GOV. WYMAN: DEMAND FOR HEALTH INSURANCE ROSE, 2018 OPEN ENROLLMENT STRONGER THAN PREVIOUS YEARS

(HARTFORD, Conn.) – Lt. Governor Nancy Wyman and Access Health CT (AHCT) CEO Jim Wadleigh today provided the results of the Connecticut healthcare exchange’s fifth open enrollment period, which ran from November 1 to December 22, 2017. During this open enrollment cycle, 114,134 residents signed up for private health insurance coverage, reflecting a 2.3 percent increase compared to enrollment figures last year.

No official press release yet but AccessHealthCT just released a series of tweets with their official final numbers...

114,134 CT residents have enrolled in a health plan for 2018 - 2.3% more than last year! #AHCT

— Access Health CT (@AccessHealthCT) January 8, 2018

This may be a little anticlimactic, but AccessHealthCT has added another 7,600 enrollees in the past 5 days and still has two days to go...

Connecticut's Health Insurance Open Enrollment In Its Last Hours

Open enrollment on the state’s health care exchange, Access Health Connecticut, ends Friday at midnight. 

Connecticut residents had one week longer to sign up for an insurance plan than customers of the federal site, healthcare.gov.

As of Thursday morning, some 106,000 people had signed up for health care plans through Access Health CT.

Exchange CEO Jim Wadleigh called this the most challenging open enrollment period in the five years it’s been up and running, citing uncertainty over the future of the health care law, mixed messages from the Trump administration, and the shortest enrollment period ever, at just seven weeks. 

Hmmm...a week ago AccessHealthCT reported just over 92,000 QHP selections as of December 8th, leaving 9,380 current exchange enrollees who still had to actively choose a new policy.

Today they've updated their enrollment tally to 98,376 (with 7,800 left to choose a plan)...but the thru date still reads December 8th.

I'm assuming whoever posted the update simply forgot to also update the "as of" date; presumably it's as of yesterday (December 14th), but I've put in a request for clarification.

UPDATE: Yup, they've since corrected the date to read 12/15/17 (basically, as of this morning I presume).

It's important to note that today is not the deadline for Connecticut residents to enroll; AccessHealthCT's deadline isn't until next Friday, December 22nd.

A small update out of Connecticut today; AccessHealthCT last reported just over 90,000 QHP selections as of November 30th, with 11,000 current enrollees who hadn't selected a 2018 policy yet. Today they've updated that to 92,041 QHPs as of this morning, leaving 9,380 left to renew.

This means they added 1,613 more people in the past week, but the pool of current enrollees dropped by 1,675, which means that at least a small number have actively cancelled their policies altogether. Looked at another way, the number of new enrollees has increased by 3,211 (from 11,749 to 14,960), which means that, again, a couple thousand current enrollees who either actively (or were passively) auto-renewed have since gone back into the system and changed their mind and cancelled their 2018 plans. This is normal, especially for the states which "front-load" auto-renewals before the December deadline passes.

Access Health CT has just posted their full November enrollment numbers: 90,428 QHP selections thru 11/30, of which 13% are new enrollees.

For comparison, last year they enrolled 111.5K people, so they've hit 81% of their 2017 number and 78% of their 2016 number.

They've also done something interesting: They're listing the 11,055 current enrollees who haven't actively re-enrolled as of yet. If every one of them did so (they won't), that would bring the grand total up to 101.4K.

Not much of an update, but good to see a hard number officially posted at AccessHealthCT (I assume they'll be updating this regularly from the looks of it):

 

No precise numbers yet, but this tweet from Access Health CT gives the key numbers:

To date, over 17K CT residents have enrolled in a plan for 2018 - with 6K new to #AHCT. #shopshopshop #AHCTBoDMeeting #GetCoveredCT

— Access Health CT (@AccessHealthCT) November 16, 2017

Assuming "to date" includes yesterday (11/15), this gives us a perfect year over year comparison; last year AccessHealthCT had 16,085 people enroll in Qualified Health Plans in the first 15 days (9,455 renewals + 6,630 new), so they appear to be up about 6% year over year so far.

via Juliet Eilperin of the Washington Post:

That same day in Connecticut [Wednesday, Nov. 1st], 1,596 residents enrolled in qualified health plans on the state exchange while another 2,293 people either completed Medicaid applications or determined that they were eligible for that program. Access Health CT CEO Jim Wadleigh said in a statement that the state’s call center and website experienced a 15 percent increase in volume compared to opening day last year.

Not much to add here; last year the first enrollment number I had for Connecticut didn't show up until halfway through November (about 16,000 selections in 15 days), but that doesn't give me much to compare with for the first day only. Still, the 15% traffic increase is a good thing.

I ran an updated analysis of the requested average rate hikes for Connecticut last month. At the time, the only two carriers operating on the CT exchange next year (Anthem and ConnectiCare) were still noncommittal about actually committing to doing so. Statewide, it looked like the carriers were asking for rate increases averaging around 23.8% if CSR payments were guaranteed or 33.5% if they weren't.

As reported by Louise Norris today, the Connecticut insurance dept. reported that both carriers have now committed to sticking around next year, and the approved average rate increases now assume that CSR payments won't be made after all. In the end, the statewide average looks like roughly 28.4% (Norris pegs it at 29.3%, but that's because she generally only includes individual market carriers participating on the ACA exchanges, while I also include carriers and plans offered off-exchange as well).

As noted in the Virginia and Maryland updates, I've started going through the earlier state rate filings and revising them to include:

  • Updated/revised carrier rate filings;
  • Additional market withdrawls and/or expansions;
  • Corrections to CSR factor impact, etc.

The original versions of each state writeup includes screen shots of the actual filing documents and explainers behind specific requests; I don't have time for that with most of the updates, so I'm bundling several states together. Here's Connecticut, Oregon and Vermont's revisions:

UPDATE: As I've been warning for months, several carriers have now openly stated that perhaps 40% of their requested rate hike is due specifically to concerns about the Trump administration & the GOP's ongoing sowing of confusion and outright sabotage of the ACA and the individual market.

Connecticut is the 3rd state to post their initial 2018 rate filings.

Unlike most states, Connecticut did all the legwork for me, making it incredibly easy to plug the numbers into a spreadsheet for weighted average (requested, unsubsidized) rate hikes for both the individual and small group markets:

In Connecticut111,541 people selected Qualified Health Plans during the 2017 Open Enrollment Period. Of these, 76% are receiving financial assistance; of those, I estimate around 69,000 will actually pay their premiums and receive significant tax credits. In addition, the CT Dept. of Social Services just confirmed 213,000 CT residents enrolled in Medicaid via ACA expansion. That's a total of 282,000 CT residents who would likely lose coverage if the ACA is fully repealed without a reasonable replacement on hand.

For the individual market, my standard methodology applies:

Over the past few weeks I've compiled increasingly solid evidence (supported by a separate analysis by David Anderson of Balloon Juice) showing that yes, a significant portion of the reduced 2017 ACA exchange enrollment was due specifically to sabotage efforts on the part of Donald Trump and the GOP.

I've mainly focused on the last-minute "ad kill" stunt pulled by the Trump administration, in which they yanked millions of dollars worth of TV ads reminding people fo the deadline during the critical last 5 days, and the evidence is pretty telling: Enrollment across the 39 states run through the federal exchange (HC.gov) dropped by about 5% from last year, while enrollment on the other 12 state exchanges increased by over 2% (there's still final enrollment data to be added from ID, MN, RI & VT).

The reason this is so significant is that the state exchanges have their own marketing budgets, ad campaigns, outreach efforts and most significantly, branding. Ads promoting "Covered California" are gonna have a far bigger impact on enrollment for the residents of CA than ads for "HealthCare.Gov". There's some residual effect, because some people visit HC.gov first and are then redirected to CoveredCA from there, but for the most part, the state exchange branding is completely separate. (As an aside, this can sometimes have negative consequences, as in the case of "kynect" in Kentucky, which did such a bang-up job of isolating their brand from "Obamacare" that most of the state hasn't the foggiest idea that the two were the exact same law, but that's a separate discussion).

Access Health CT, the Connecticut ACA exchange, just announced their final OE4 enrollment numbers; they're down about 3.9% year over year:

LT. GOVERNOR WYMAN, ACCESS HEALTH CT ANNOUNCE 2017 OPEN ENROLLMENT NUMBERS
111,524 Residents Enrolled Through Access Health CT; 13,791 are New to the Exchange

(HARTFORD, Conn.) – Lieutenant Governor Nancy Wyman, Chair of the Board of Access Health CT (AHCT), and AHCT CEO Jim Wadleigh today announced that the state’s health insurance exchange enrolled 111,524 residents during the 2017 Open Enrollment Period, which ended at midnight on January 31, 2017.  Of those enrollees, 13,791 consumers are brand new to the exchange. In addition, 5,000 people came through AHCT seeking dental coverage and 1,467 enrolled in health coverage through the Small Business Program.

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