Delawares Health Insurance Marketplace: Update on Activity
Delaware Health Care Commission January 8, 2015 Secretary Rita
Landgraf Department of Health and Social Services Slide 2 Agenda
Medicaid update Marketplace enrollment report Enrollment stories
2014 Taxes Penalty Health Care Costs Outreach and Communications
update Key dates 2 Slide 3 Medicaid Newly-Eligible Enrollment
Update From the start of the first open enrollment in October 2013
through December 31, 2014, 9,683 individuals have enrolled in
Medicaid through the expansion. This is an increase of 3.9% over
last months total. 23,980 Delawareans enrolled in health care
coverage for plan year 2014 through expanded Medicaid and the
Marketplace. 3 Slide 4 Marketplace Enrollment On December 30, 2014,
the U.S. Dept. of Health and Human Services released information on
open enrollment for the 2015 plan year Nationally, as of Dec. 15,
more than 4 million people had enrolled or re-enrolled in health
insurance coverage Trends noted in the Dec. 30 report for the 37
states using HealthCare.gov: Interest is high Two-thirds of those
who applied have selected a plan Activity increased near the Dec.
15 th deadline 4 Slide 5 Delawares Marketplace Enrollment Of
Delawareans selecting a QHP: 83% were eligible for financial
assistance 56% are new consumers and 44% are active reenrollments**
*State-level enrollment data on SADPs or on SHOP was not included
in the HHS report Reminder: Consumers who enroll in a Marketplace
QHP are eligible to enroll in a Marketplace SADP and must do so by
Feb. 15. Small businesses can enroll in SHOP year-round **HHSs
numbers do not include automatic reenrollments: those who retain
coverage without returning to the Marketplace and selecting a plan
Total number of Delawareans selecting a Marketplace health plan*
8,956 5 Slide 6 Delawares Marketplace Enrollment Total number of
Delawareans covered in completed applications 13,638 Of Delawareans
who have completed applications: 66% have selected a plan 17% have
been determined eligible to enroll, but have not selected a plan
16% have been assessed as eligible for Medicaid 1% are pending 6
Slide 7 National Demographics Highlights of those who have selected
a plan in the 37 states using HealthCare.gov from November 15 to
December 15, 2014: 24% are 18 to 34 years old 30% are 55 to 64
years old 68% have selected a Silver plan 87% will receive
financial assistance 7 Slide 8 In-Person Assister Activity From
November 1 through January 3, Marketplace Guides and Navigators
have helped consumers complete 501 enrollments and 147 renewals
Guides and Navigators also made 428 referrals to Medicaid
Marketplace Guides and Navigators are available to assist consumers
with applications and enrollments in locations across the state, 7
days a week. Visit www.ChooseHealthDE.com for the most up- to-date
listing of times and locations www.ChooseHealthDE.com 8 Slide 9
Future Sustainability The formal Marketplace Guide program will end
as of March 31, 2015 Other assisters within the community have been
working throughout the open enrollment period and will be an
integral part of providing assistance to consumers in the future:
Certified Application Counselors, including FQHCs Federal
Navigators Agents and Brokers We continue to work with stakeholders
both in state government as well as in the community to ensure
there is adequate capacity to meet future needs 9 Slide 10 Stories
from the Ground A Bear man, who had been uninsured for 4+ years and
received assistance through CHAP, decided to apply. He was ecstatic
to learn that he qualified for a monthly tax credit of $385,
bringing his monthly premium to $227. He said his wife will be
happy that he finally has coverage. With a tax credit, a newly
enrolled couple from Blades will pay less than a dollar a month. A
35-year-old Harrington man without coverage chose a bronze plan.
With a tax credit, he will pay $30 a month. 10 Slide 11 Stories
from the Ground A Dover couple starting a new carpentry business
did not have health insurance. They used $167 of a tax credit
toward the premium, reducing their joint silver plan to $562 a
month. With assistance from an MPG, a Middletown man re-enrolled in
coverage for himself and his wife. Because his income decreased, he
reported a life change and the income drop. Result: continued
affordable coverage. A Wilmington man who was renewing his
enrollment completed his application, but wasnt able to pick a plan
or see his tax credit because the hub could not verify his
identity. The man mailed identity papers to the Marketplace. 11
Slide 12 2014 Taxes Taxpayers who enrolled in health coverage
through the Marketplace in 2014 will receive Form 1095-A, Health
Insurance Marketplace Statement Those with health coverage through
another source such as a job, Medicare or Medicaid, will not use
Form 1095-A, but will check a box on their income tax return
confirming their coverage Other tools will be available on
HealthCare.gov that will help individuals to determine if they
qualify for an exemption (Form 8965) or to reconcile their Premium
Tax Credit for 2014 (Form 8962) Visit www.irs.gov/aca or
www.healthcare.gov/taxes for more
informationwww.irs.gov/acawww.healthcare.gov/taxes 12 Slide 13
Penalty Under the ACA, if individuals do not have minimum essential
coverage or receive an exemption, they will be subject to an
individual shared responsibility paymenta penalty. In 2014, the
penalty is $95 per uninsured adult ($47.50 per child) or 1% of
household income, whichever is higher. This will be paid on an
individuals 2014 taxes (filed in 2015). In 2015, the penalty is
$325 per uninsured adult ($162.50 per child) or 2 percent of
income, whichever is higher. This will be paid on an individuals
2015 tax return (filed in 2016). Consumers can avoid this penalty
by enrolling in coverage by February 15, 2015. Even if individuals
pay the penalty, they still dont have any health insurance coverage
and they are responsible for 100% of the cost of their medical
care. Get an estimate of your penalty at
www.ChooseHealthDE.comwww.ChooseHealthDE.com 13 Slide 14
Deductibles and Premiums The rising cost of health care has a
direct impact on premiums and deductibles. The rise in deductibles
continues to be a significant issue for consumers, business owners
and providers. It is difficult to compare historical deductibles to
the deductibles in QHPs, because preventive services that are now
100% covered in QHPs are not subject to the deductible. This
promotes preventive care and aims to reduce health care costs by
finding and treating health issues early. Consumers need to weigh
each plans premium with its deductible to ensure they are selecting
the right plan with the lowest out of pocket costs A 2014 Kaiser
Family Foundation study found that Delaware is in the area of the
U.S. with the second-lowest average annual deductible for employer
plans
(https://kaiserfamilyfoundation.files.wordpress.com/2014/09/8625-
employer-health-benefits-2014-annual-survey6.pdf)https://kaiserfamilyfoundation.files.wordpress.com/2014/09/8625-
employer-health-benefits-2014-annual-survey6.pdf 14 Slide 15
Addressing Health Care Costs The HCC approved new QHP standards
which provide guidelines and the regulatory framework for insurance
companies to develop narrow network plans with lower deductibles in
2016 The Delaware Center for Health Innovation, through the State
Innovation Model grant, will work to support the health care
community to improve how care is paid for and delivered with the
goal of reducing costs, increasing quality and increasing patient
satisfaction 15 Slide 16 Outreach and Communications Update Slide
17 Q4 2014 Traffic to ChooseHealthDE.com WebsiteCampaignConversions
SessionsPageviews Pages/ Session Avg. Session Duration % New
SessionsSessions Pages/S ession Avg. Session Duration % New Session
Visits sent to HC.gov Visits sent to HC.gov from campaigns
Oct-143,41720,2215.92:3671.32%1355.43:0526.67%86321
Nov-147,60028,9123.82:1554.33%2,5121.50:3682.52%92447
Dec-148,88828,8633.31:5861.98%3,6101.90:5182.83%1,204108
Total19,90577,9964.32:1662.54%6,2572.91:3164.01%2,991176 Campaigns
began running November 13, 2014 There were 19,905 sessions on the
site in the fourth quarter of 2014 6,257 (31%) of those were driven
from paid media campaigns. The percent of new sessions has
increased since the campaign launched, up to 82% 2,233 submitted
information to the Penalty Calculator 1,179 submitted information
to the Assistance Finder 17 Slide 18 Total Traffic to
ChooseHealthDE.com Campaigns began running November 13, 2014. Paid
media campaigns made up 33% of all traffic in November, and 41% of
all traffic in December. 4% 33% 41% 18 Slide 19 Clicks from
ChooseHealthDE.com to HealthCare.gov ChooseHealthDE.com
Healthcare.gov In Q4, ChooseHealthDE.com drove a total of 2,991
clicks to HealthCare.gov 6% of those were from paid media
campaigns. 2% 5% 9% 19 Slide 20 Phase 2 of Mass Media Campaign On
January 5, the second phase of Open Enrollment marketing began
Emphasis on the February 15 deadline 20 Slide 21 Partner Meetings
Across the State The Marketplace team held a second round of
community and stakeholder meetings in December Attendees received
an update on open enrollment and a demonstration of the penalty
calculator and assistance finder tools on ChooseHealthDE.com
Community members provided feedback and engaged with Marketplace
Guides and other assisters 21 Slide 22 National Youth Enrollment
Day January 29 marks National Youth Enrollment Day Choose Health
Delaware will host an enrollment event to provide an opportunity
for the public to meet with Marketplace Guides and enroll in health
coverage Event details: January 29 th, 10:00am-4:00pm Wilmington
University, New Castle Campus Pratt Student Center 22 Slide 23 Key
Dates DateMilestone January 15, 2015Deadline to enroll for coverage
beginning February 1. January 29, 2015National Youth Enrollment Day
Event 10:00am-4:00pm Wilmington University, New Castle Campus Pratt
Student Center February 15, 2015Open Enrollment for coverage in
2015 ends 23 Medicaid enrollment is open all year. Only those with
qualifying life events, such as birth/adoption of a child, loss of
minimum essential coverage, aging out of parents insurance at age
26, etc., may enroll in the Marketplace after February 15 th. Slide
24 Thank you!
