Everyone is posting various tributes to the late, great David Bowie today. Most will likely relate to Major Tom, Ziggy Stardust or Under Pressure.
For my part, I'm posting something a little different. Instead of anything from his music career, here's the clip of Bowie's brief but oddly appropriately-cast role as Pontius Pilate opposite Willem DaFoe in Martin Scorcese's "The Last Temptation of Christ".
Hey, remember back in October when I was deeply concerned about the 1.5 million taxpayers receiving APTC (Advance Premium Tax Credits) via ACA exchange policies last year who were at risk of losing those tax credits this year because they either didn't know they had to file a tax return, knew but didn't get around to doing so, or filed their taxes but forgot to fill out/include Form 8962?
Some readers may wonder why I, a lifelong Michigan resident who authors a website devoted to healthcare issues, haven't posted anything about my home state's latest shame, the Flint Water Poisoning scandal.
As of this week, Access Health CT announced it has more than 104,000 individuals enrolled in qualified health plans. That number could change during the final weeks of open enrollment and as existing customers renew coverage.
Lt. Gov. Nancy Wyman, who chairs the Access Health CT board, said the group is urging residents to check their healthcare coverage to make sure everything is correct for 2016. People without health insurance could face federal tax penalties.
...Access Health CT reported in late December over 34,000 new Connecticut customers had enrolled in health coverage since Nov. 1, on par with last year at this time. The new enrollment number represents 11,000 qualified health plan members and 23,000 Medicaid members.
One of the more obscure provisions of the ACA is the ability/funding for states to set up something called a "Basic Health Plan" for residents who are low income, but not that low income; it's sort of a "Medicaid Plus" program, in a way; here's the Kaiser Family Foundation's explanation:
The Patient Protection and Affordable Care Act (ACA) gives states the option to implement a Basic Health Program (BHP) that covers low-income residents through state-contracting plans outside the health insurance marketplace, rather than qualified health plans (QHPs). In March 2014, the Centers for Medicare & Medicaid Services (CMS) issued final regulations on the requirements for a BHP and the methodology for calculating federal payments to states. States can choose to implement BHP beginning in 2015.
I wrote about this last night as part of a larger piece, but the "Young Invincible Risk Pool" issue from yesterday's official Open Enrollment Report seems to be generating a lot of hand-wringing, so I decided to write something specifically about it.
One of the biggest concerns people have about the ACA exchanges is whether or not there are enough so-called "Young Invincibles" (ie, young adults aged 18-34 years old) in the market to help balance out the risk pool. The assumption is that "YI's" are considerably healthier than older folks, and therefore should help reduce the overall cost of medical services over the coming year. From an insurance carrier POV, it's a lot more profitable to have 10,000 healthy customers than 1,000 cancer or diabetes-ridden customers. In the past, of course, this meant that carriers would cherry-pick their enrollees; if they suspected you'd be a high risk customer, they'd simply tell you to go pound sand.
I'm not going to get into everything here, of course; a lot of this stuff is beyond my pay grade (which is to say, zilch, as I'm not paid to operate this site), while other stats just aren't of any particular interest to me, though obviously they may be useful to others. I'm mostly just running through all 81 pages (27 in the main report, 54 in the state-level supplemental) to see what catches my eye.
This entry will focus purely on the main report; I'll look at the supplemental report (which goes into state-level data) tomorrow.
Within the Marketplaces as a whole (all 50 states +DC):
(note: I'm live updating as I type this stuff, so keep checking back, I'll be adding more updates/analysis over the next hour)
Wow! OK, I'm back from my kid's field trip (nature center; they learned about how animals handle the winter via hibernation, migration & adaptation...learned about fossils...went on the nature trail to look for animal tracks...and even dissected owl pellets, hooray!!). Of all the days to miss a major HHS/CMS conference call, this was a big one. I'm furiously poring over the HHS Dept's ASPE January Enrollment Report which, as I expected this morning, was just released less than two hours ago.
There's some sort of press conference call this afternoon with official updates on the 2016 Open Enrollment Period. Unfortunately, I have a field trip to attend with my kid all afternoon, and a client call after that, so I won't be able to get in on the call, nor will I be able to write anything up about whatever's discussed (or any press releases which come out after the call) until several hours later.
Since enrollments over the past two weeks have been virtually dead due to a) the January coverage deadline having passed for all states; b) Christmas week and c) New Year's week, my guess is that the major reasons for today's call will include:
Here's what I wrote last July, when Gallup released their 2015 Q2 Uninsured Rate survey (which pegged the uninsured rate among adults (over 18) at 11.4%:
Going forward, I'm actually not expecting the Q3 2015 Gallup survey to show much of a change; we're in the heart of the off-season, the #ACATaxTime additions have already been accounted for, and Montana is the only state which is expected to expand Medicaid anytime soon, so Q3 will probably hold steady at 11.4%, give or take; the rate might even inch up a few tenths of a percent due to attrition. Still, the overall picture is pretty dramatic: Whatever else you can say about the ACA in terms of cost, it's definitely accomplishing the other half of its goal: The total number of uninsured Americans has been cut by about 16 million people since October 2013.
