25
Affordable Care Act & Medicaid Reform in Wisconsin: Enrollment and Coverage Trends, Plans and Premiums October 18, 2018 Donna Friedsam Health Policy Program Director UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 1

Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

  • Upload
    others

  • View
    5

  • Download
    0

Embed Size (px)

Citation preview

Page 1: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Affordable Care Act & Medicaid Reform in Wisconsin: Enrollment and Coverage Trends, Plans and Premiums

October 18, 2018

Donna Friedsam

Health Policy Program Director

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 1

Page 2: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Governor’s Health Insurance Coverage Goal

“Through Governor Walker’s Entitlement Reform Plan, all Wisconsinites have access to affordable health care coverage. People living in poverty have coverage through Medicaid while individuals and families above the poverty level have access to affordable private health care coverage through the federal Health Insurance Marketplace. Approved as part of the 2013-15 state budget, this plan is projected to reduce the number of uninsured in our state by 224,580, or roughly half, while strengthening the state’s safety net for Wisconsin's neediest residents.”

Governor Walker’s Entitlement Reform Plan Wisconsin Department of Health Services

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 2

Page 3: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Wisconsin’s Medicaid Reforms and the ACA: Fact Summary

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 3

Insurance Coverage

About 5.4% of Wisconsin residents were uninsured in 2016, down from 9.1% in 2013 Uninsured decreased by about 207,877 from 2013 to 2017, a reduction of about 40%

across the total population. Persons with incomes 100-200% FPL are most likely to be uninsured, with 21%

uninsured, and account for 32% of all uninsured residents in Wisconsin. Those above 200% FPL account for 49% of all uninsured persons in Wisconsin. Most of the gains in insurance coverage occurred through the ACA Marketplace and increases

in employer-sponsored insurance. The State has achieved 93% of the Governor’s 2015 goal of reducing the uninsured by 224,580.

Medicaid and BadgerCare Trends Parent and caretaker BadgerCare enrollment has declined by 39% since September 2013. Most

of this reflects the entitlement reforms that took effect in April 2014 that removed eligibility for adults over 100% FPL.

Most children enrolled in Medicaid are below 100% FPL. Children in poverty experienced an 8% decrease in enrollment from September 2013 to September 2018.

Enrollment of adults without dependent children (“childless adults”) has increased nearly eight-fold since 2013, with current enrollment at nearly 150,000

FPL=Federal Poverty Level

Page 4: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Wisconsin’s Medicaid Reforms and the ACA: Fact Summary

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 4

ACA Marketplace Summary Data During the 2018 open enrollment period), reduced from twelve to six weeks (Nov 1-Dec 15,2017), 225,435

Wisconsin consumers selected plans – 7% fewer than the 2017 period. In 2018, 88% of Wisconsin consumers who selected an ACA Marketplace plan went on to actually pay the

first month’s premium, resulting in 200,557 actual plan enrollments by February 2018. For consumers who effectuated enrollment in 2018, 88% received federal financial assistance to reduce

premiums (Advance Premium Tax Credit - APTC), while 45% received federal Cost-Sharing Reductions that reduce deductibles, and co-payments.

In 2018, 79% of consumers selecting ACA plans were reenrollees, while 21% were new to ACA Marketplace plans. Among the re-enrollees, three-quarters were “active re-enrollees” rather than simply relying on the auto-reenrollment process.

Consumers ages 18-34 make up 24% of those who selected a 2018 Marketplace plan. Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace. For Plan Year 2018, Wisconsin has 14 insurance carriers offering plans. Wisconsin’s average benchmark premium, unsubsidized, for 2019, is $440/month, while the average

premium for the lowest cost plan is $306/month. For consumers receiving a federal premium subsidy (APTC) for 2018 ACA plans, the average subsidy was

$665/month, with subsidized consumers paying an average premium of $106/month. For the 2019 plan year, ACA Marketplace premium rates changes have declined substantially in Wisconsin

and nationally. Wisconsin’s trend rates increase more than the national average in 2017-18, and are now decreasing slightly more than the national rate of decrease for 2019.

Page 5: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Employer, 56%

Non-Group/Individual, [VALUE]

Medicaid, 16%

Medicare, 14%

Other Public, 2% Uninsured,

7%

Health Insurance Coverage of the Total Population, 2016

Data Source 13

Page 6: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Uninsured in 2013 and 2017: Before and After the ACA Took Effect

About 5.4% of residents were uninsured in 2017, down from 9.1% in 2013. Persons without insurance decreased by about 207,877 people, a reduction of about 40%. Decreases in the number of uninsured people occurred across all income levels.

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 1

Page 5

207,125

97,420

93,195

59,086

213,232

149,169

0

100000

200000

300000

400000

500000

600000

Wisconsin Uninsured 2013 and 2017, Residents for Whom Poverty Status is Determined

≥200% FPL

138-199% FPL

<138% FPL

2013 2017

Total 513,552

Total 305,675

Page 7: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Medicaid/BadgerCare and HealthCare.Gov MarketPlace Coverage, Wisconsin, September 2018

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 7

Data Sources: 1, 2, 6

Coverage Program

Total

Enrollment

Percent of Statewide

Population

BadgerCare Children 424,184 33% of children

BadgerCare Adults (parents, caretaker, childless adults) 238,834 7% of adults <age 65

Other BadgerCare - Pregnant Women, Youths Exiting Foster Care, Income Extensions, Express Enrollment

108,508

Total BadgerCare 775,619 14% of Total Population

Elderly/Blind/Disabled 223,557

Other Coverage 182,841

Total Medicaid 1,182,017 21% of total population

Total Consumers Effectuating Enrollment in ACA Marketplace Plans, February 2018 200,557 6% of population <age 65

Page 8: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

More Wisconsin residents gained employment-based health insurance as the economy improved. Increase in direct-purchase of individual health insurance, most through the Marketplace. Some people may come to these coverages from other sources of coverage, but the net increase in both

employer-sponsored and direct-purchase individual coverage accounts for most of the reduction in the overall number of uninsured.

How Did the Uninsured Decrease? Overall Changes in Source of Health Insurance Coverage, 2013-2017

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 1

Page 6

45,018 56,645

(34,508)

147,314

51,284

(208,392) (250,000)

(200,000)

(150,000)

(100,000)

(50,000)

-

50,000

100,000

150,000

200,000

Change in Coverage, 2013-2017

5%

25%

-5%

5%

18%

-40%

-50%

-40%

-30%

-20%

-10%

0%

10%

20%

30%

Percent Change in Coverage, 2013-2017

Page 9: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

4.7%

12.8%

0.3% 3.5%

7.2%

0.3% 0.0%

5.0%

10.0%

15.0%

20.0%

Under 18 years 18 to 64 years 65 years and older

Uninsured by Age Range, Wisconsin 2013-2017

Substantial declines in uninsured occurred across the population. Largest declines in rates of uninsured occurred among persons in the lowest income groups,

persons ages 19-25 years old, and among racial and ethnic minorities.

2013

2017

Uninsured Trends Wisconsin, 2013-2017

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 1

Page 7

8.1%

14.4%

22.9%

11.1%

33.8%

10.1%

25.0%

7.3% 4.6%

7.2%

17.3%

7.7%

21.3%

7.2%

15.8%

4.2%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

40.0%

White alone Black or AfricanAmerican alone

American Indianand Alaska

Native alone

Asian alone Some other racealone

Two or moreraces

Hispanic orLatino (of any

race)

White alone, notHispanic or

Latino

Change in Uninsured by Race, Ethnicity, Wisconsin 2013-2017

18.4%

15.0%

5.5%

9.1% 10.1%

7.2%

3.9% 5.4%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

18.0%

20.0%

<138% FPL 138-199% FPL ≥200% FPL Total Population

Uninsured by Income Category, Wisconsin 2013-2017

Page 10: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

<100% FPL,

19.6%

100-199% FPL,

31.6%

200-299% FPL,

23.1%

≥ 300% FPL,

25.7%

Who is Still Uninsured?: Wisconsin Residents who Remained Uninsured, ACS 2017

Children under the age of 19 make up about 17% of the remaining

uninsured, with an estimated 52,599 in that age range remaining uninsured

in Wisconsin as of 2016.

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 8

Data Source: 1

Total Number of Uninsured Individuals, By Age

Persons 100-199% FPL most likely to be uninsured: 21.1% compared to 2.5% for persons >300% FPL, and account for 32% of all uninsured Wisconsin residents.

Under 19 years, 52,599

19-64, [VALUE]

65 years and older,

3,713

But persons above 200% FPL

account for nearly half (49%) of all uninsured persons in Wisconsin.

18.9% 21.1%

7.6%

2.5% 5.4%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

<100% FPL 100-199% FPL 200-299% FPL ≥ 300% FPL Total Uninsured

Total Number of Uninsured Individuals, By Income

59,912

70,611 305,675

96,593

78.558

Page 11: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

In Wisconsin, total BadgerCare enrollment increased by 23,509 persons (3.2%) from 2013-2018, due to the increased eligibility for adults without dependent children (“childless adults”).

Enrollment of childless adults has increased nearly eight-fold since 2013, to nearly 150,000 BadgerCare members. Parent and caretaker BadgerCare enrollment has declined by 39% since September 2013. Most of this reflects the

changes that took effect in April 2014 that removed eligibility for adults over 100% FPL.

Pre- and Post-ACA Medicaid/BadgerCare Enrollment

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 2

Page 9

-[VALUE]

-[VALUE]

131,382

23,720

424,184

136,211

148,156

775,619

428,277

222,060

16,774

751,899

200,000 100,000 0 100,000 200,000 300,000 400,000 500,000 600,000 700,000 800,000 900,000

Children

Parents/Caretakers

Childless Adults

BadgerCare Plus

Sep-13 Sep-18 Change 2013-2018

Page 12: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Children’s Pre- and Post-ACA Medicaid/BadgerCare Enrollment

Children’s enrollment overall has declined slightly, with some interim fluctuations, since 2013. Family income for most children enrolled in Medicaid is below 100% FPL. That coverage group experienced an 8% decline in enrollment since 2013.

Data Source: 2

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 10

Note: This does not include changes in coverage extensions under “Transitional Medical Assistance” (TMA)

-23,776

12,934

3,465

4,980

-1,696

-4,093

273,227

78,904

48,658

16,903

6,492

424,184

297,003

65,970

45,193

11,923

8,188

428,277

-50,000 0 50,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 500,000

0-100% FPL

100-150% FPL

150-200% FPL

200-250% FPL

> 250% FPL

Total

Sep-13 Sep-18 Change

Page 13: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

HMO Managed Care Enrollment, BadgerCare Members, September 2018

As of September 2018, about 700,000 BadgerCare Members were enrolled in 15 Managed Care Organizations statewide.

UnitedHealthcare and Children’s Community Health Plans together enroll about 38% of BadgerCare members.

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 11

Data Source: 3

145,412

123,910

84,827

56,062

55,521

47,961

37,281

33,762

32,845

29,627

16,240

12,118

11,190

9,233

5,433

0 20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000

UNITEDHEALTHCARE

CHILDRENS COMM HEALTH PLAN

ANTHEM BCBS

MOLINA HEALTHCARE

SECURITY HEALTH PLAN

GROUP HEALTH COOP EAU CLAIRE

DEAN HEALTH PLAN INC

NETWORK HEALTH PLAN

MHS HEALTH WISCONSIN

QUARTZ

INDEPENDENT CARE (ICARE)

MERCY CARE

TRILOGY HEALTH INSURANCE

PHYSICIANS PLUS

GHC SOUTHCENTR

Page 14: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Wisconsin Individual Market Health Insurance: Overall Enrollment Trend

ACA-compliant single risk pool (includes both on- and off-exchange): Subject to all ACA provisions, such as coverage of essential health benefit package and no annual or lifetime benefit limits.

Grandfathered Individual/Individual Association Market (policies issued on or before March 23, 2010): Not subject to most provisions of the ACA.

Transitional Individual/Association Market (policies issued between March 24, 2010 and December 1, 2013). Subject to limited provisions of the ACA.

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 9

Page 12

155,722

213,860 233,904

212,911

18,469

11,771 6,204

5,032 86,842

51,449 34,171

25,961

0

50,000

100,000

150,000

200,000

250,000

300,000

2014 2015 2016 2017ACA-Compliant Single Risk PoolGrandfathered Individual/Individual Association MarketTransitional Individual/Association Market

277,080 261,033

274,279

243,904

Page 15: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Plan Selections: Open Enrollment Trend 2016-18

Open Enrollment Plan Year

(Enrollment Period Length)

Number of Plan Selections

OE 2016 (12 weeks) 239,034

OE 2017 (12 weeks) 242,863

OE 2018 (6 weeks) 225,435

2018 ACA Plans

Number of Plan

Selections

Percent of Plan

Selections

Effectuating Coverage through February 2018

200,557

88%

Consumers with Premium Subsidies (APTCs)

166,310 82%

Consumers with Cost-Sharing Reductions (CSRs)

89,436 45%

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 4, ,5,6, 7

Page 13

Plan selections remained strong for 2018, despite the enrollment period reduction from 12 to 6 weeks. Effectuated enrollment refers to those consumers who pay select a plan and pay their first month premium

to activate their coverage. In 2018, 88% of Wisconsin consumers who selected an ACA Marketplace plan went on to effectuate their

enrollment, resulting in 200,557 actual plan enrollments in February 2018.

Of those selecting ACA plans in 2018, 79% were re-enrollees, while one-quarter were new enrollees.

Most re-enrollees actively re-enroll, with an enrollment assister or directly via Healthcare.gov, rather than relying on the auto-reenrollment process.

2018 Plan Selections: Enrollment Mode

New Consumers, 21.4%

Active Reenrollees,

59.8%

Automatic Reenrollees,

18.9%

Reenrollees, [VALUE]

Page 16: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

[CATEGORY NAME], [VALUE],

(33%) [CATEGORY

NAME], [VALUE],

(54%)

[CATEGORY NAME], [VALUE],

(11%)

[CATEGORY NAME], [VALUE],

(<1%)

[CATEGORY NAME], [VALUE],

(<1%)

Plan Selection by Metal Level, 2018

Wisconsin Plan Premiums and Subsidies (Advance Premium Tax Credits-APTC)

Data Source: 5, 6, 10, 11. 12

Page 14 UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Total Effectuated Coverage, February 2018, N=200,557

Number Percent

Consumers with Advance Premium Tax Credits (APTCs)

176,410 88%

Consumers with Cost Sharing Reductions (CSRs) 89,436 45%

Average APTC among consumers receiving APTC $665

Average Premium after APTC among consumers receiving APTC

$106

Metal level plan

Average monthly premium

Average monthly premium

after APTC

Bronze $626 $209

Silver $833 $158

Gold $759 $278

Page 17: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Wisconsin Plan Premiums and Subsidies (Advance Premium Tax Credits-APTC)

Premiums began rising substantially for 2017 plans, with an uncertain federal policy environment. Nonetheless, ACA premium subsidies (APTC) shield consumers with incomes < 400% FPL from the

premium increases, because the subsidy increases when the premium rises.

Data Source: 5. 6, 10, 11. 12

Page 14

2014 2015 2016 2017 2018

Monthly Premium, Average Benchmark Plan, 40-year old $298 $306 $319 $368 $569

Percent change -- 3% 4% 15% 55%

Monthly Premium, Average Lowest Cost Plan, 27-year-old $195 $198 $207 $250 $342

Percent change -- 2% 5% 21% 37%

27-year-old with household income of $25,000 (~210% FPL)

Family of four with household income of $60,000 (~125% FPL)

Benchmark premium before subsidy (APTC)

APTC (premium subsidy) amount

Monthly premium

after subsidy (APTC)

Benchmark premium before subsidy (APTC)

APTC (premium subsidy) amount

Monthly premium

after subsidy (APTC)

2017 $302 $161 $141 $1,094 $690 $404

2018 $468 $329 $139 $1,695 $1,296 $399

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Page 18: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Wisconsin ACA Plan Selections: Open Enrollment 2018

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 5

Page 15

Consumers ages 18-34 make up about 24% of ACA plan selections.

Consumers with incomes less than 200% FPL make up about 45% of ACA plan selections.

≥100% to ≤150% FPL ,

23.8%

>150% to ≤200% FPL ,

21.1%

>200% to ≤250% FPL ,

15.2%

>250% to ≤300% FPL ,

10.1%

>300%- ≤400% FPL ,

16.9%

Other FPL, 3.0%

Not reported, 9.8%

Plan Selections by Income Range

Age < 18, 6.3%

Age 18-25, 8.2%

Age 26-34, 15.9%

Age 35-44, 14.3%

Age 45-54, 18.6%

Age 55-64, 36.2%

Age ≥65, 0.5%

Plan Selections by Age Group 2018

Page 19: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 5

Page 16

37% 30%

63% 70%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Plan Selections WI Population

Plan Selections, 2018, Rural and Non-Rural, Compared to Overall Wisconsin Population

Rural Non-Rural

Page 20: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 17

Number of insurance carriers offering plans

in Wisconsin, by county, for 2018

through the ACA

Marketplace

Data Source: 8

Page 21: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Insurers Offering Plans, 2018 Aspirus Arise

Children’s Community Health Common Ground Dean Health Plan

Group Health Coop Health Partners

Medica MercyCare

Network Health Security Health

Gunderson/Unity/Quartz 11

34

20

4 3

0

5

10

15

20

25

30

35

40

1 insurer 2 insurers 3 insurers 4 insurers 5 insurers

Num

ber o

f cou

ntie

s

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018

Data Source: 8

Page 18

Number of Counties by Number of Insurers offering Plans through the ACA Marketplace 27 Wisconsin counties have at least three insurance carriers offering ACA plans. 34 Wisconsin counties have two carriers offering ACA plans 11 counties have only one insurance carrier offering ACA plans

Page 22: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Issuer Requested

Rate Change Issuer Requested

Rate Change Aspirus Arise Health Plan

POS 13.65% MercyCare HMO 9.20%

HMO 12.88% Molina Healthcare of Wisconsin -19.01%

Children's Community Health Plan 8.84% Network Health Plan

SE WI -3.53%

Common Ground Healthcare Cooperative

-18.94% NE WI -7.56%

Dean Health Plan -11.89% Security Health Plan of

Wisconsin, Inc. 11.95%

-14.79% 10.17%

Group Health Cooperative of South Central Wisconsin

4.51%

Unity Health Plans

-8.88%

0.17% -11.04%

HealthPartners Insurance Company

-0.12% -18.70%

-0.20% Wisconsin Physicians Svc Insurance Corp

-1.23%

Medica Health Plans of Wisconsin 1.39%

WPS Health Plan, Inc. HMO 2.28%

-6.06% POS 0.72%

Wisconsin ACA Marketplace Rate Filings, July 2018

Insurers offering plans on the ACA Marketplace for the 2019 plan year submitted preliminary premium rates in July 2018.

Most plans project rate decreases in 2019, with a range of a 14% increase to a 19% decrease.

Page 23: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

$261 $302

$464 $440

$240

$301

$412 $406

$- $50

$100 $150 $200 $250 $300 $350 $400 $450 $500

2016 2017 2018 2019

Premium Trend, Benchmark Plan, 2016-2019

Wisconsin U.S.

15.7%

53.6%

-5.2%

25.4%

36.9%

-1.5%

-10.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

2016-17 2017-18 2018-19

Annual Premium Rate Changes, Benchmark Plan, 2016-2019

Wisconsin U.S.

Wisconsin’s average ACA Marketplace health plan rates have been slightly higher than the national

average, and have followed the national trend over

time.

For the 2019 plan year, the premium rates changes have

declined substantially in Wisconsin and nationally.

Wisconsin’s trend rates increase more than the national average

in 2017-18, and are now decreasing slightly more than

the national rate of decrease for 2019.

Data Source 14

Benchmark Plan = Second-Lowest Cost Silver Plan

Page 24: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

REFERENCES 1. American Factfinder. Demographic and Uninsurance data from U.S. Census, American Community Survey (ACS) 2013-17.

http://factfinder.census.gov/faces/nav/jsf/pages/index.xhtml

2. Wisconsin Department of Health Services. Medicaid/BadgerCare as of September 2018. https://www.forwardhealth.wi.gov/wiportal/Tab/42/icscontent/Member/caseloads/enrollment/enrollment.htm.spage

3. Wisconsin Department of Health Services. Forward Health Monthly HMO Enrollment Reports. https://www.forwardhealth.wi.gov/WIPortal/content/Managed%20Care%20Organization/Enrollment_Information/Reports.htm.spage

4. CMS, US DHHS. 2018 Marketplace Open Enrollment Period Public Use Files. https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/Marketplace-Products/2018_Open_Enrollment.html

5. CMS, US DHHS. 2017 and 2018 Marketplace Open Enrollment Period Public Use Files. https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/Marketplace-Products/Plan_Selection_ZIP.html

6. CMS, US DHHS. First Half of 2017 Average Effectuated Enrollment Report. 12-13-2017. https://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2017-Fact-Sheet-items/2017-12-13-2.html

7. CMS. Final Weekly Enrollment Snapshot for 2018 Open Enrollment Period. 12-28-2017. https://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2017-Fact-Sheet-items/2017-12-28.html

8. Wisconsin Office of the Commissioner of Insurance. Individual Health Insurance Carriers in Wisconsin – 2018 https://oci.wi.gov/Pages/Consumers/ProviderMap2018.aspx

9. Wisconsin Office of the Commissioner of Insurance. Comprehensive Health Insurance Enrollment Reports. Last Updated July 31, 2017. https://oci.wi.gov/Pages/Companies/CompHealthEnrollment.aspx

10. U.S. DHHS, ASPE Compilation of State Data on the Affordable Care Act, December 2016. https://aspe.hhs.gov/compilation-state-data-affordable-care-act

11. U.S. DHHS. ASPE Research Brief. Health Plan Choice and Premiums in the 2018 Federal Health Insurance Exchange. October 2017. https://aspe.hhs.gov/system/files/pdf/258456/Landscape_Master2018_1.pdf

12. Kaiser Family Foundation. State Health Facts. Marketplace Average Benchmark Premiums, 2014-2018. https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/

13. Kaiser Family Foundation. Health Insurance Coverage of the Total Population, 2016. https://www.kff.org/other/state-indicator/total-population/?currentTimeframe=0&selectedRows=%7B%22states%22:%7B%22wisconsin%22:%7B%7D%7D%7D&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D

14. Average Monthly Premiums for Second-Lowest Cost Silver Plan and Lowest Cost Plan for States Using the Healthcare.gov Platform, 2016-2019. https://www.cms.gov/sites/drupal/files/2018-10/10-11-18%20Average%20Monthly%20Premiums%20for%20SLCSP%20and%20LCP%202016-2019.pdf

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 19

Page 25: Affordable Care Act & Medicaid Reform in Wisconsin ... · Insurance Plans and Premiums Wisconsin in 2018 had 11 Insurance carriers offering health plans through the ACA Marketplace

Health Policy Programs Donna Friedsam, Director uwphi.pophealth.wisc.edu

@UWHealthPolicy

UW Population Health Institute – Wisconsin Health Insurance Coverage Chartpack 2018 Page 20