📣 Happy Birthday #ACA: @CMSGov releases final 2022 Open Enrollment Report (part 1):
acasignups.net/22/03/23/happy…
acasignups.net/22/03/23/happy…
--Nationally, total #ACA exchange enrollment was up *21%* in 2022 vs. 2021 thanks in large part to the #AmRescuePlan's expanded/enhanced financial assistance, as well as increased ACA navigator funding, increased outreach funding & the COVID Special Enrollment Period.
--In addition, Basic Health Plan (BHP) enrollment is up 8.1% year over year in Minnesota & New York, bringing grand total #ACA exchange enrollment up to an all-time high of over *15.5* million (for some reason even CMS tends to downplay the MILLION PEOPLE enrolled in BHP plans).
--2022 Open Enrollment in the 33 states hosted on the *federal* exchange increased by a whopping 27%...mainly because all 12 of the states which HAVEN'T expanded Medicaid are hosted on the federal exchange. Enrollment in the 18 states w/their own #ACA exchange increased 8.2% y/y.
--Put another way: In the 39 states which *haven't* expanded Medicaid under the #ACA, enrollment is up over 31% y/y...vs. up just 12% in states which *have* expanded Medicaid.
This is due to the "overlap" population who earn 100 - 138% of the Federal Poverty Level (FPL).
This is due to the "overlap" population who earn 100 - 138% of the Federal Poverty Level (FPL).
--ACA Medicaid expansion covers adults earning up to 138% FPL...while ACA exchange subsidies are available to enrollees earning over 100% FPL. Thus, in expansion states, the 100-138% population is on Medicaid; in non-expansion states, they're eligible for full exchange subsidies.
I'll have more #ACA data nerd nuggets soon; in the meantime, here's what the 2022 OEP looks like visually, compared to the 2021 OEP (dotted lines): 
--Of the ~5.7 million ACA exchange enrollees in the 33 HC.gov states who actively re-enrolled for 2022 coverage, 56% switched to a different policy for 2022. Some did this to save even more; others for network/formulary reasons; some did for both/other reasons.
--Nationally, 25.8 million Americans applied for healthcare coverage via #ACA exchanges during the 2022 OEP. Of those, ~17.5 million were determined eligible for exchange coverage, plus *at least* ~3.2 million who were eligible for Medicaid/CHIP (data for 4 states not available).
📣 Here's a week-by-week breakout of 2022 #ACA Open Enrollment. You can see the Thanksgiving weekend dip in Week 4, followed by a ramp-up as the initial 12/15 deadline approached. Once that passed, ~4.7M 2021 enrollees were also *auto-renewed* for 2022:
A major change this year was extending the final deadline from 12/15 back out to 1/15 (Weeks 8 - 11). This looks nominal on the graph but it represents over 700,000 additional enrollees.
The extra month also gives auto-renewal folks a 2nd chance to change their plan.
The extra month also gives auto-renewal folks a 2nd chance to change their plan.
📣 FINAL #ACA 2022 OEP REPORT PART 4: financial help & Income brackets: acasignups.net/22/03/23/happy…
--Thanks to the expanded #AmRescuePlan financial subsidies, #ACA premiums for HCgov enrollees averaged just $111/mo apiece this year.
--89.3% of all 2022 enrollees are currently receiving financial help cc: (@cynthiaccox @greg_fann I seem to recall us speculating about this?)
--89.3% of all 2022 enrollees are currently receiving financial help cc: (@cynthiaccox @greg_fann I seem to recall us speculating about this?)
--1.6% of all 2022 #ACA exchange enrollees earn LESS than 100% FPL (~234,000 people). Most of these are likely legally-present immigrants who've been living in the U.S. for less than 5 years (special clause for this population).
--Another ~308,000 earn between 100 - 138% FPL but live in Medicaid expansion states. I'm not sure what the story is on these folks (they're normally supposed to be enrolled in Medicaid instead), but I assume they fall into another special category.
⚠️ CORRECTION: Way upthread I referred to "the 39 states which *haven't* expanded Medicaid." This should have read "the *12* states which haven't expanded Medicaid."
I started out intending to talk about expansion states, then reworded it but forgot to correct the number. Sorry!
I started out intending to talk about expansion states, then reworded it but forgot to correct the number. Sorry!
📣 HAPPY BIRTHDAY #ACA! CMS releases 2022 Open Enrollment Report.
Part FIVE: BHPs & Dental Plans
acasignups.net/22/03/24/happy…
Part FIVE: BHPs & Dental Plans
acasignups.net/22/03/24/happy…
--Over 1 MILLION people are enrolled in Basic Health Plan programs in MN & NY, which are sort of sandwiched between Medicaid & ACA exchange plans.
For some reason everyone treats BHP enrollees as a footnote (even CMS at times!), but they're still part of the ACA exchange enrollment process & should be included in the official numbers. In other words, 15.5 million people enrolled in #ACA plans this year, not 14.5 million.
--Separately, ~2.3 million Americans enrolled in standalone DENTAL plans via #ACA exchanges this year.
The way dental coverage is handled by the ACA is kind of weird. Pediatric dental coverage is required to be *offered* but don't have to be *bundled* in most states.
The way dental coverage is handled by the ACA is kind of weird. Pediatric dental coverage is required to be *offered* but don't have to be *bundled* in most states.
*Adult* dental coverage, however, *doesn't* have to be included at all. As a result, very few ACA plans bundle dental coverage, which is instead usually offered as a separate option (w/out any financial help)...but only *after* you enroll in a medical policy first.
Making this even stranger: SOME state exchanges allow you to buy standalone dental plans whether you enroll in a major medical plan or not. I don't know what the reasoning/logic is behind either policy. Weird.
📣 Happy 12th Birthday #ACA! CMS releases final 2022 OEP report (PART 6): Demographic Breakout:
acasignups.net/22/03/24/happy…
acasignups.net/22/03/24/happy…
📣 Happy 12th Birthday #ACA! CMS releases final 2022 OEP report (PART 7 - FINAL ENTRY):
Metal Level breakout...with an important point made by @xpostfactoid:
acasignups.net/22/03/24/happy…
Metal Level breakout...with an important point made by @xpostfactoid:
acasignups.net/22/03/24/happy…
--82,000 ACA enrollees are enrolled in Catastrophic plans this year, which may be small but, as @bjdickmayhew noted, is still WAY too high given the #AmRescuePlan's greatly expanded tax credits!
--Similarly, as @xpostfactoid noted in his own excellent blog post, upwards of ~600,000 enrollees earning less than 150% FPL enrolled in Bronze plans instead of Silver, which makes ZERO sense in the vast majority of cases this year.
xpostfactoid.blogspot.com/2022/03/in-aca…
xpostfactoid.blogspot.com/2022/03/in-aca…
There's a LOT of other interesting (to wonks) data nuggets, but after 8 blog posts on this I think it's time to wrap this series up.
#ThxACA
#ACAHereToStay
#ExtendARPCreditsNOW
#ThxACA
#ACAHereToStay
#ExtendARPCreditsNOW
Actually, I'll close by reiterating that last: The #AmRescuePlan's improved subsidies are a MASSIVE upgrade to the #ACA, but they're set to expire at the end of this year!
Here's how much more enrollees will have to pay if they aren't extended:
acasignups.net/22/03/20/how-m…
Here's how much more enrollees will have to pay if they aren't extended:
acasignups.net/22/03/20/how-m…
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