Posts tagged: insurance exchange
After two conflicting appellate court rulings yesterday - in Washington, D.C. and in Richmond, Va. - about whether federal subsidies apply to those purchasing health insurance in states that haven’t set up their own insurance exchanges, Idaho’s exchange, YourHealthIdaho.org, announced that Idahoans should see no change in their subsidies, the Idaho Statesman reports. Amy Dowd, YourHealthIdaho executive director, said in a statement, “As a state-based marketplace, Your Health Idaho has requested official guidance to confirm that this ruling does not impact Idahoans. … As we have known for some time, the benefits of being a state-based health insurance exchange far outweigh Idaho being on the federal exchange. As Idaho transitions to our own technology, we are even more confident in Idaho’s decision to maintain control of the exchange in Idaho.”
Meanwhile, Gov. Butch Otter issued a statement, the Statesman reported, saying, “While it has no immediate impact on Idaho, I hope the decision in the D.C. case eventually carries the day before the U.S. Supreme Court and leads to the end of Obamacare. But for now, it doesn’t reduce or eliminate federal control over healthcare matters in states with federal exchanges. If anything, the uncertainty from today’s conflicting decisions could make things worse for them.”
Statesman reporter Audrey Dutton reports that almost 70,000 of the 76,000 people in Idaho who bought insurance through Idaho’s exchange are getting subsidies; her full report is online here.
Idaho’s state health insurance exchange, YourHealthIdaho.org, is losing two of its top three staffers – Executive Director Amy Dowd is leaving to become CEO of the New Mexico Health Insurance Exchange, and Alberto Gonzalez, operations project manager and a former bureau chief for the Idaho Department of Health & Welfare, is leaving for a consulting firm.
Steven Weeg, chairman of the board of the Idaho exchange, said the board will work with Dowd, Gonzalez and the rest of the staff on a transition plan; Dowd was hired in 2013, and hired Gonzalez shortly afterward, along with marketing and communications director Jody Olson. The staff also includes finance director Patrick Kelly.
“We are thankful for all Amy has done for us,” Weeg said in a statement. “When she first started, Idaho’s exchange was just an idea. With her leadership we built an exchange from the ground up and beat everyone’s expectations for the first open enrollment period. Amy has put us on the right path and we are confident YourHealthIdaho will continue to succeed in the 2015 open enrollment period and beyond.”
The numbers are in from the YourHealthIdaho insurance exchange open enrollment period, and it turns out that 76,061 Idahoans signed up for health insurance plans through the exchange. The federal government’s expectation for Idaho was 40,000 during the six-month open enrollment period. “We have significantly exceeded those estimated targets,” said Amy Dowd, executive director of the exchange. “It’s very exciting, very, very encouraging that we are on the right path. Idahoans are interested in getting insurance for themselves and their families.” You can read my full story here at spokesman.com.
The YourHealthIdaho board has voted to keep fees at 1.5 percent of plan costs through the end of calendar year 2015; that’s compared to the fee on federally operated insurance exchanges of 3.5 percent. Exchange officials are estimating that Idahoans are saving $4.4 million on their health insurance due to the lower fee for the state exchange. That’s based on the average monthly premium rate of $242. “We are committed to keeping our assessment fees low,” Dowd said.
Idaho launched YourHealthIdaho.org at the urging of Gov. Butch Otter, after two years of extensive debate in the state Legislature. Opponents of starting a state exchange include Senate Majority Caucus Chairman Russ Fulcher, R-Meridian, who is now challenging Otter in the GOP primary. Opponents have maintained Idaho should take no part in health care reform, even though failing to start a state insurance exchange would have meant Idaho would have gotten a federally run exchange instead.
Idaho’s exchange currently is operating on millions in federal grant funding, but starting in 2016, it must become self-supporting, relying entirely on fees. By law, no state funds can be spent on it. Dowd said it’s not yet clear just how many Idahoans must enroll to make the exchange self-supporting, but said the latest numbers are “very, very encouraging that we are on the right trajectory and on the right path to have a financially sustainable exchange.”
Senate President Pro-Tem Brent Hill, R-Rexburg, has a guest opinion in the Idaho Falls Post Register today lauding Idaho’s decision to establish a state health insurance exchange. Under the headline “Going our own way,” Hill writes, “The choice last year was never between a state-run exchange and no exchange at all. That option had been denied by the courts. It was a choice between state involvement and total federal control. Those states that ignored the law relinquished control to the federal government. Idaho refused to surrender its decision-making authority over health care issues.”
Hill writes, “While the residents of other states have been strapped by a 3.5 percent premium tax to fund the federal exchange, Idaho has kept fees at only 1.5 percent. Idaho's health insurance rates continue to be among the lowest in the country. While the federal exchange requires detailed personal information in order to access its exchange, Idaho allows persons to browse plans and check rates anonymously.” Click below for his full article.
Idaho’s state health insurance exchange now has a web address: Yourhealthidaho.org. The website was unveiled at a news conference today by Gov. Butch Otter and Idaho exchange executive director Amy Dowd; it’s the site where residents and small businesses can shop for health insurance coverage provided by competing private health insurance companies, with premium costs reduced by federal subsidies; enrollment starts Oct. 1.
“I’m still against Obamacare,” Otter said. “But I recognize we do have an obligation. If Obamacare does happen to go away, it does not absolve us right here in Idaho to do what we can to take care of our own.” You can read our full report here from S-R reporter John Webster.
According to the U.S. Department of Health and Human Services, more than 222,000 Idahoans have no health insurance; many of the uninsured work for small businesses or are self-employed. The Affordable Care Act prohibits insurance companies from declining to issue health insurance because an applicant is sick, prohibits higher rates for those with existing health problems, prohibits lifetime or annual caps on the benefits insurance policies will pay, requires coverage of preventive care without co-pays, and requires standard benefit packages so consumers can make apples-to-apples comparisons when selecting a policy.