Charles Gaba's blog

Just a quickie here: Last month I cobbled together the 2017 requested rate filings for the individual market in Nevada and calculated that the weighted average hike request was around 15.0% even. According to an local news article from Saturday, I was dead on target...and they also helpfully noted that the average request for the small group market for next year is just 4%:

LAS VEGAS (AP) — Health insurance costs for about 240,000 Nevadans who buy individual or small-group plans are expected to rise next year, and state officials want consumers to offer feedback before the proposed rates are locked in in coming weeks.

Hey, remember back in February when I pointed out that Hillary Clinton has supported a public option since at least 2009?

Emails released last week by the State Department that were found on Mrs. Clinton’s private server show that she was keenly interested in the administration’s push to win passage of the health care law.

...The email messages show that throughout the fall of 2009, as the health care push entered a decisive phase, Mrs. Clinton lobbied some members of Congress for votes and even debated sometimes-esoteric policy proposals with aides, some of whom had worked with her in the White House when she was first lady, after her own failed attempt to push a national health care overhaul.

...Congressional officials who worked on the Affordable Care Act said that Mrs. Clinton was an important and effective advocate.

FIRST THINGS FIRST: My deepest sympathies to the families, friends and co-workers of the 5 police officers murdered in Dallas last night (as well as Alton Sterling, Philando Castile and all other victims of gun violence)...and my wishes for a full and speedy recovery to the other seven officers who were shot.

This is a pretty grim topic, but given how much misinformation is flying around out there, including a lot of statistics and numbers, it's important to get this stuff right.

Last October, I wrote an entry which focused on an interesting chart posted by National Review Online regarding the downward trend of gun homicides vs. the upward trend of gun sales over the past couple of decades. My conclusion was that NRO's main claim was accurate...but that they had massively exaggerated the degree to which it was true.

Earlier this evening, someone on Twitter posted the following graphic, which has been retweeted over a thousand times as of this writing:

From an AccessHealthCT press release:

ACCESS HEALTH CT PROVIDES TRANSITIONAL MEDICAL ASSISTANCE ENROLLMENT UPDATE
2,846 individuals have enrolled in a new healthcare plan

Hartford, Conn. (July 8, 2016) - Access Health CT (AHCT) CEO Jim Wadleigh provided an update today on enrollment of approximately 13,811 parents and caregivers who will lose their Transitional Medical Assistance (TMA) on July 31st when they no longer meet the HUSKY A eligibility requirements due to a change in legislation last year. As of July 7, 2016, 2,846 individuals have enrolled in a new healthcare plan via the exchange. Of those, 1,966 applications have been re-determined eligible for coverage in a HUSKY program through the integrated eligibility system with the Department of Social Services, and 880 have enrolled in a Qualified Health Plan (QHP) with AHCT.

I've been trying to figure out how to read Connect for Health Colorado's enrollment reports for months now, and I thought I had finally cleared things up last month....only to have that rug completely yanked out from under me by CMS's Q1 Effectuation Report, which stated that C4HCO only had 108,311 people actually enrolled in effectuated healthcare policies as of 3/31/16 rather than the 115,890 they seemed to be reporting at the time...which, combined with other confusing numbers, made the May report's 143,430 figure seem awfully suspicious.

Oy vey iz mir. Last fall, half of the two dozen Co-Ops created by the ACA were wiped out, falling like dominos over about a two month period, for a variety of reasons including the Risk Corridor Massacre. The other half managed to survive The Purge, many of them just barely doing so.

This year, it looks very much like the Risk Adjustment debacle has decided to try and finish off the job.

Just 3 days ago, the Connecticut Co-Op, HealthyCT, announced that they were folding up shop.

Just yesterday it was announced that the state of Illinois is taking unusual, last-ditch measures to attempt to salvage their co-op, Land of Lincoln Health.

And just moments ago, this was announced:

It's been several weeks since the most recent state was added to my 2017 requested rate change project (Michigan, with a weighted average of 17.2%). There are 15 states remaining...or rather 14 now, because Montana has finally posted their filings for 2017. Here's what the requested changes look like:

Montana's entire individual market was around 70,000 people back in 2014, and has likely grown to around 87,000 today, so it looks like pretty much everyone is accounted for above (the remaining 9,000 or so are presumably enrolled in grandfathered policies; Montana is among the few red states which didn't allow transitional plans).

As for the actual requested rate hikes...ouch. BCBS is seeking a whopping 62% average increase, and since they own 70% of the individual market, that means a statewide weighted average of right around 50% even. Things aren't as ugly on the small group market, but that 27.5% average is still pretty ugly.

All last fall I documented the saga of the Risk Corridor Massacre, which helped to wipe out a dozen ACA-created co-ops and put many of the remaining ones (along with some private carriers) on shaky ground.

Earlier this week I noted that one of the remaining co-ops, HealthyCT of Connecticut, is the latest to go belly-up...due in large part to a different program, "Risk Adjustment". The irony in both cases is that both programs were supposed to be designed specifically to help ensure that "little guy startups" such as the co-ops would be protected from dissolution during the unstable first few years of the ACA exchanges. Instead, developments in both programs have served to help destroy them.

As I noted the other day, the Risk Adjustment program seems to be backfiring:

As Richard Mayhew noted a few days ago over at Balloon Juice:

OK, regular readers know that I almost never write directly about Medicare-related issues (unless it's in relation to trying to figure out the total uninsured rate and so forth), and I've only even mentioned Medigap before 3 times in the history of this website. I honestly don't know much about the program except that it's basically supplemental insurance which covers treatment/services not already covered by Medicare.

However, this seems like a significant development for my home state:

Seniors can expect to pay an additional $48 to $177 per month on BCBS Medigap plans.

Nearly 200,000 seniors can expect to pay more for their Medigap supplemental health insurance plans next year -- for some older individuals, more than twice their current amount -- when Blue Cross Blue Shield of Michigan goes forward with a long-awaited rate increase that does away with what the insurer says are below-market rates.

Blue Cross today proposed the new Medigap rates that would take effect on Jan. 1, following a five-year rate freeze for its Legacy Medigap plan.

Some Guy, March 1st, 2016

So here it is...Super Tuesday. Unless the GOP base suddenly decides that they don't want a xenophobic, misogynistic, hate-mongering, con-artist moron to be their standard-bearer, it's looking very likely that by the time midnight rolls around, Donald Drumpf will indeed be almost unstoppable as the Republican Presidential Nominee for 2016.

Which means, aside from the GOP establishment being on collective suicide watch, Mr. Drumpf will have to think about who his running mate will be for the general election.

...OK, so here's who this person has to be:

  • NATURAL BORN U.S. CITIZEN
  • 35 YEARS OLD
  • YOUNG
  • PHOTOGENIC
  • FEMALE
  • JEWISH
  • TRUSTED IMPLICITLY

Which is why I present to you the only possible 2016 Republican nominee for Vice President of the United States....Ivanka Drumpf.

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