Download - The Affordable Care Act and New Hampshire
Health Reform and Health Insurance Markets2014 Changes in New Hampshire
New Hampshire Insurance DepartmentTyler Brannen – Health Policy Analyst October 17, 2013
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The ACA and NH
• Federal law vs. state laws• Health insurance rules• Expanding health insurance coverage• “Exchanges” and the individual mandate
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NH’s Health Commercial Insurance Markets• About 55% of “insured” people covered by self-
funded employers• 76% of people covered by large employers
• Of those people, 29% are regulated as insured (140,000)
• 24% of people in small employers or individual market• 110,000 small employer members• 40,000 individual members
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- 50,000 100,000 150,000 200,000 250,000 300,000
Anthem
CIGNA
Harvard Pilgrim
Aetna
MVP
Usable
Assurant
HealthMarkets
United
NovaSys_Health
Celtic
American Republic
Golden Rule
Health Insurance Carrier/TPAMember Distribution by Funding
Fully-Insured Members Self-Insured Members
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Factors in Insurance Company Competition
Main Factors:• Medical claims costs• Provider contracts
• Insured population health status
• Other Factors:• Membership• Underwritten & self-funded
• Organizational efficiency• Return on Investments• Customer service
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RSA 420-J:7 Network Adequacy (Ins 2700)• Anthem’s Pathways Network• Complied with NH Network Adequacy
requirements• Does not apply to most of Anthem’s members• Anthem indicates premium savings of at least 25%• Primary issue – 10 of 26 hospitals in NH not
included• Anthem only medical carrier on the
exchange/Marketplace• Significance - only place to access subsidies• Why only Anthem?
• Will there be a legislative solution?• How involved should the government be?
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What is happening in the delivery system?
• Investment in Community Health Centers• Increased use of mid-level providers (NPs, PAs), health coaches,
and community health workers• Telemedicine• Hospitalists• Urgent care centers and walk in clinics• Accountable Care Organizations and medical homes• Hospital services provided in non-traditional settings• Incentives exist for restructuring the delivery system with a lower
cost structure
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2014 Changes to Insurance
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What’s New in 2014?• Individual mandate• New rules for individual and small group markets • Essential health benefits – 10 Categories
• Emergency services, hospitalization, Maternity & newborn care• Guaranteed issue• New rating factors for calculating premiums
• PAST: age, health status, group size, industry, tobacco• FUTURE: Age, tobacco, geographic (not used in NH)
• Metal levels
• Requirements for large employers (2015)
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“The Marketplace” and SHOP Exchange• Individuals and small employers ONLY• NOT Medicare
• Federal –state partnership model• https://www.healthcare.gov/
• Medicaid• Subsidies for individuals • Tax credits for small employers• Online Oct 1, 2013 for coverage Jan 1, 2014
• Annual Open Enrollment Periods after that start October 15 and end December 7• Special Enrollment Periods
• You can still buy insurance outside the Marketplace
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Subsidy Availability
• Substantial subsidies are available through the Marketplace for those at 100%-400% of federal poverty (FPL)• Individuals: $11,490 - $45,960• Family of 4: $23,550 - $94,200
• Those under 100% FPL are not eligible for subsidies
• Assumed to be covered by Medicaid
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Percentage of poverty
line
Annual dollar amount (2013)
Premium contribution
as % of income
Monthly premium
contribution
100 – 133% $11,490 - $15,282 2% $19 - $25
133 – 150% $15,282 - $17,235 3 – 4% $38 - $57
150 – 200% $17,235 - $22,980 4 – 6.3% $57 - $121
200 – 250% $22,980 - $28,725 6.3 – 8.05% $121 - $193
250 – 300% $28,725 - $34,470 8.05 – 9.5% $193 - $272
300 – 350% $34,470 - $40,215 9.5% $272 - $318
350 – 400% $40,215 - $45,960 9.5% $318 - $364
Sliding Scale for Eligible IndividualsSliding Scale for Eligible Individuals
The Individual Mandate• In 2014:• Every individual must have health insurance• Employer coverage, individual coverage, Medicaid, Medicare• Limited exemptions to penalty requirement (e.g., low income)
• Administered and enforced by IRS• Penalty amounts: • 2014: $95 per household member (up to $285) or 1% of income (whichever is
higher).• 2015: $325 per household member (up to $975) or 2% of income (whichever
is higher).• 2016: $695 per household member (up to $2095) or
2.5% of income (whichever is higher).• After 2016 – cost of living adjustments
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Consumer Assistance
• Federal website (HealthCare.gov) and toll free call center• Navigators • Certified Application Counselors• Small Business Administration• NH Health Plan• Agents and brokers• Health insurance companies• IRS• Department of Labor• Consumer advocates
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Federal Resources
U.S. Department of Health and Human Services Health Reform Website/Marketplace http://www.healthcare.gov Help Center: 800-318-2596 (24/7)
Small Business Administration (Employer information)http://www.sba.gov/healthcare http://business.usa.gov/healthcare
SBA Hotline: 800-706-7893 (M - F, 9-5)15
New Hampshire Resources
NH Insurance Department (603) 271-2261 Consumer Hotline: 800-852-3416http://www.nh.gov/insurance
NH Department of Health and Human Serviceshttp://www.dhhs.nh.gov
Medicaid – Client Services: (800) 852-3345, ext. 4344
NH Health Planhttp://www.nhhp.org/nhhp/consumerassistance.asp 16