2015 Utah Enrollment Update

Transcription

1 2015 Utah Enrollment Update Through March 31, 2015 Utah Health Policy Project Sustainable healthcare solutions for underserved Utahns 6/2/15

2 Key Terms ACA or Obamacare Insurance Private insurance plans sold on healthcare.gov with monthly premiums subsidized for some people

3 Utah s ACA enrollment exceeded 100k in 2015 * (*) March 31 enrollment reflects confirmed premium payments for 2015, an 8.8% decline from initial Feb. 15 total Sources: March 31, 2015 Effectuated Enrollment Snapshot; ; HHS/CMS Health Insurance Marketplace; ASPE Issue Briefs: October 1, 2013 April 19, 2014; November 15, 2014 January 16, 2015; HHS News Release, In Utah, 124,142 people are signed up for coverage through the Health Insurance Marketplaces, 2/11/15 HHS News Release, In Utah, 140,221 people are signed up for coverage through the Health Insurance Marketplaces, 2/18/15 ASPE Issue Brief (3/10/15); Marketplace Plan Selection by Age in States Using the HealthCare.gov Platform, By State (1); to (including SEP activity through )

4 Between 2013 and 2014, Utah s uninsured rate dropped from 15.6% to 13.3% 18% 17% 17.3% 16% 15% 14% 15.6% 13.8% 13% 12% % Source: Gallup Healthways Well-Being Index (2/24/15)

5 Sources: [2014] Newly Covered by ACA Insurance, Plan Selections by ZIP Code in the Health Insurance Marketplace, Sept. 2014, ASPE, HHS [2015] ASPE 2015 Health Insurance Marketplace Plan Selections by ZIP Code (Nov. 15, 2014 Feb. 22, 2015) Between 2014 and 2015, ACA enrollment grew fastest in Utah and Washington counties County/ST 2014 Enrollment 2015 Enrollment % Change Salt Lake 31,722 48, % Utah 15,457 28, % Davis 7,871 12, % Washington 4,968 9, % Weber 5,729 9, % Summit 1,778 2, % UTAH 84, , %

6 In 2015, 7 of Utah s top 10 ZIP codes for ACA enrollment are outside of Salt Lake County 2015 Rank City (ZIP Code) Number Enrolled 1 South Jordan (84095) 2,988 2 Lehi (84043) 2,944 3 St. George (84790) 2,564 4 American Fork (84003) 2,518 5 St. George (84770) 2,477 6 Pleasant Grove (84062) 2,439 7 Bountiful (84010) 2,340 8 Draper (84020) 2,321 9 West Valley City (84119) 2, Clearfield (84015) 2,190 Source: ASPE 2015 Health Insurance Marketplace Plan Selections by ZIP Code (Nov. 15, 2014 Feb. 22, 2015)

7 In 2015, ZIP codes in Utah and Washington Counties moved up the top ten rankings Sources: [2014] Newly Covered by ACA Insurance, Plan Selections by ZIP Code in the Health Insurance Marketplace, Sept. 2014, ASPE, HHS [2015] ASPE 2015 Health Insurance Marketplace Plan Selections by ZIP Code (Nov. 15, 2014 Feb. 22, 2015)

8 The Shumways Income: $44,000 Residence: American Fork, UT Ages: Dad : 24 Mom: 23 Kid: Newborn 2015 rate change: - $2/month Annual income: $44,000 % of poverty level: 222% Benchmark Silver Plan Monthly premium: $450 Subsidy pays: $189 per month The Shumways pay: $261 per month Plan Details Deductible: $2,500 Out-of-pocket maximum: $10,400 Primary doctor: $25 Specialist doctor: $50 Emergency room care: $500 Generic drugs: $10 Source: Healthcare.gov; Kaiser Family Foundation Subsidy Calculator; Image source: KristaGuenin

9 Mr. and Mrs. Smith Income: $42,000 Residence: Santa Clara, Utah Ages: 60, rate change: $0/month Annual income: $42,000 % of poverty level: 267% Benchmark Silver Plan Plan Details Monthly premium: $994 Subsidy pays: $685 per month The Smiths pay: $310 per month Deductible: $7,000 Out-of-pocket maximum: $12,700 Primary doctor: $5 Specialist doctor: $40 Emergency room care: $250 Generic drugs: $5 Note: The Smiths could pay an extra $34/month for a plan with a $2,500 deductible Source: Kaiser Family Foundation Subsidy Calculator; Image source: Creative Commons

10 Utah children are enrolling in ACA insurance at 275% more than the national average Source: ASPE Issue Brief (3/10/15); Utah Enrollment by Age 16% Under 18 22% % 16% 33% % 25% 28% 22% 17% U.S. Under

11 The majority of Utahns enrolled in ACA insurance are under age 35 Source: ASPE Issue Brief (3/10/15); Utah Enrollment by Age 46% 54% % by Age Group % 36% U.S. % by Age Group

12 Most Utahns choose Silver-level plans that offer a balance between premiums and cost-sharing Source: March 31, 2015 Effectuated Enrollment Snapshot; ; Utah 0.9% 0.5% Catastrophic 13.3% 17.2% Bronze Silver Gold Platinum 68.1% 6.9% 3.4% 0.7% U.S. 67.8% 21.2% Catastrophic Bronze Silver Gold Platinum

13 67% of Utahns enrolling on healthcare.gov received a premium subsidy Source: March 31, 2015 Effectuated Enrollment Snapshot; ; Utah Subsidy Status 33% 67% Received subsidy No subsidy 15% U.S. 86,330 Utahns received subsidies 85% Received subsidy No subsidy

14 62% of Utahns enrolling on healthcare.gov received cost-sharing assistance Source: March 31, 2015 Effectuated Enrollment Snapshot; ; Utah Cost-sharing Status 38% 62% Received cost-sharing No assistance 43% 57% U.S. 79,857 Utahns received cost-sharing assistance Received cost-sharing No assistance

15 In 2015, the average per-person premium subsidy in Utah is $208/month Source: March 31, 2015 Effectuated Enrollment Snapshot; ; Utah Average Subsidy $250 $200 $150 $100 $50 $208 Per-person premium subsidy $- Amount ($)

16 1 In 2015, 25% of all Utahns re-enrolling on healthcare.gov switched their insurance plans Utah Total Re-enrollment 25% Switched plan Retained plan 75% 29% U.S. 71% Switched plan Retained plan (1) Re-enrollment includes both passive re-enrollment (ie. doing nothing) and active re-enrollment (ie. updating personal information on healthcare.gov) (2) Source: ASPE Issue Brief (3/10/15);

17 Where can Utahns find help applying for health insurance? call TCU s trained counselors are ready to help you understand your new options to find affordable health care coverage today

18 For more information: Jason Stevenson Education and Communications Director cell work ext. 7 stevenson@healthpolicyproject.org