CEO Blog: Healthcare Debate

To Our Valued Stakeholders,

Wednesday’s release of the Congressional Budget Office score of American Health Care Act reheated the healthcare debate with a projection that 23 million people would lose coverage in 10 years if the measure were to pass in its current form.

As troubling as these projections are, it’s worth remembering the bill is given little chance of passing in the Senate, where work is expected to start soon on new legislation.

America’s Health Insurance Plans (AHIP) weighed in with a nine-page letter to the Senate this week. The letter outlines a number of areas where federal policy makers could stabilize the individual health insurance market in the short term and in the long term.

In Recent News

The most pressing market stabilization measure AHIP recommended is continued funding of Cost Share Reduction (CSR) payments. For those who qualify, CSR payments help pay out of pocket expenses. As a recent Commonwealth Fund brief points out, they can make or break the bottom line for health insurance companies.

The effect the potential loss of CSR payments has on health insurance premiums was made clear Thursday in North Carolina, where Blue Cross and Blue Shield filed for an average 22.9 percent rate increase in 2018, saying it would be only 8.8 percent if Congress funded CSRs, according to an article in the News & Observer of Raleigh.

Take care and enjoy your holiday weekend,

Kevin

Kevin Patterson, MURP, MPA
Chief Executive Officer
Connect for Health Colorado

CEO Blog: Our Impact

To Our Valued Stakeholders,

I want to recommend you take a moment to read our End of Open Enrollment Report, which we posted earlier this week. As the most extensive report of our results we make each year, the End of Open Enrollment Report documents the impact our work is having throughout the state.  You’ll see that households who receive financial assistance are receiving $369 a month on average to help keep their premiums affordable.

Customers made more than 178,000 plan selections through Connect for Health Colorado during the four-month period covered in the report. Growth continued to be strong in rural counties as well as large suburban counties like Adams, Douglas and Jefferson, where enrollments grew by 10 percent or more. We are grateful for the hard work of our Brokers, Health Coverage Guides, Certified Application Counselors and stakeholders that produce these results.

Legislative Update

The state House Appropriations Committee on Thursday passed HB17-1235, the measure that would provide financial assistance to some Coloradans with income falling between 400% and 500% of the federal poverty level. It’s headed next to the House floor.

This bill would give us the opportunity to help folks in areas with the state’s highest health insurance premiums and we have a team laying the groundwork, should the measure become law.

In Recent News

The Centers for Medicare and Medicaid Services on Thursday finalized its market stabilization rules. We provided our formal comment on the rules in March.

Standard & Poors put out a timely and encouraging analysis of individual health insurance markets, as our carrier partners prepare their 2018 plans and premiums. The report found reason to believe the market is stabilizing. As this New York Times article put it,  the insurers reviewed by S&P reduced their losses in 2016, will likely break even in 2017 and can expect profits in 2018.

Take care,

Kevin

Kevin Patterson, MURP, MPA
Chief Executive Officer
Connect for Health Colorado

CEO Blog: Moving Forward

To Our Valued Stakeholders,

We are already building the foundation to support a possible new state assistance program that would be created by pending legislation, HB17-1235. The bill would provide some financial assistance for Coloradans who live in areas with some of the steepest health insurance premiums. The measure recently made its first step toward becoming law when the House Health, Insurance and Environment Committee passed it and sent it to the Appropriations Committee. We’ll be talking to our Board of Directors about our work on this project in Monday’s meeting.

Legislative Update

The state Senate Appropriations Committee on Thursday passed Senate Bill 3, which calls for moving our operations to the federal exchange. The next step would be a hearing before the full state senate before the measure could move to the state House of Representatives. Each step of this process is an opportunity for us to tell our story and the opposition to the bill has brought out many accounts of Coloradans who depend on us to get coverage.

In Recent News

The lack of clarity on the future of Cost-Sharing Reduction – financial assistance with co-payments, coinsurance and deductibles for some of our customers most in need of help – has been a major concern. Congressional Republican leaders recently spoke in support of keeping the payments through this year and 2018, as reported in the New York Times.

The national conversation that followed November’s election has made many Americans more aware of the effect state marketplaces and the expansion of Medicaid have had on the country. Polls show the Affordable Care Act’s popularity is growing. A Gallup poll released Wednesday showed 55 percent of respondents approving the law, up from 42 percent in November. That’s a big move in five months and the first time a majority said they support the law.

Take care,

Kevin

Kevin Patterson, MURP, MPA
Chief Executive Officer
Connect for Health Colorado

CEO Blog: Moving Forward

To Our Valued Stakeholders,

We are already building the foundation to support a possible new state assistance program that would be created by pending legislation, HB17-1235. The bill would provide some financial assistance for Coloradans who live in areas with some of the steepest health insurance premiums. The measure recently made its first step toward becoming law when the House Health, Insurance and Environment Committee passed it and sent it to the Appropriations Committee. We’ll be talking to our Board of Directors about our work on this project in Monday’s meeting.

Legislative Update

The state Senate Appropriations Committee on Thursday passed Senate Bill 3, which calls for moving our operations to the federal exchange. The next step would be a hearing before the full state senate before the measure could move to the state House of Representatives. Each step of this process is an opportunity for us to tell our story and the opposition to the bill has brought out many accounts of Coloradans who depend on us to get coverage.

In Recent News

The lack of clarity on the future of Cost-Sharing Reduction – financial assistance with co-payments, coinsurance and deductibles for some of our customers most in need of help – has been a major concern. Congressional Republican leaders recently spoke in support of keeping the payments through this year and 2018, as reported in the New York Times.

The national conversation that followed November’s election has made many Americans more aware of the effect state marketplaces and the expansion of Medicaid have had on the country. Polls show the Affordable Care Act’s popularity is growing. A Gallup poll released Wednesday showed 55 percent of respondents approving the law, up from 42 percent in November. That’s a big move in five months and the first time a majority said they support the law.

Take care,

Kevin

Kevin Patterson, MURP, MPA
Chief Executive Officer
Connect for Health Colorado

CEO Blog: Moving Forward

To Our Valued Stakeholders,

We are already building the foundation to support a possible new state assistance program that would be created by pending legislation, HB17-1235. The bill would provide some financial assistance for Coloradans who live in areas with some of the steepest health insurance premiums. The measure recently made its first step toward becoming law when the House Health, Insurance and Environment Committee passed it and sent it to the Appropriations Committee. We’ll be talking to our Board of Directors about our work on this project in Monday’s meeting.

Legislative Update

The state Senate Appropriations Committee on Thursday passed Senate Bill 3, which calls for moving our operations to the federal exchange. The next step would be a hearing before the full state senate before the measure could move to the state House of Representatives. Each step of this process is an opportunity for us to tell our story and the opposition to the bill has brought out many accounts of Coloradans who depend on us to get coverage.

In Recent News

The lack of clarity on the future of Cost-Sharing Reduction – financial assistance with co-payments, coinsurance and deductibles for some of our customers most in need of help – has been a major concern. Congressional Republican leaders recently spoke in support of keeping the payments through this year and 2018, as reported in the New York Times.

The national conversation that followed November’s election has made many Americans more aware of the effect state marketplaces and the expansion of Medicaid have had on the country. Polls show the Affordable Care Act’s popularity is growing. A Gallup poll released Wednesday showed 55 percent of respondents approving the law, up from 42 percent in November. That’s a big move in five months and the first time a majority said they support the law.

Take care,

Kevin

Kevin Patterson, MURP, MPA
Chief Executive Officer
Connect for Health Colorado

CEO Blog: Remaining Nimble and Responding to Change

The holidays are a time to disconnect from our daily grind and reflect. For me, the holiday last week helped bring some perspective to the changing environment in which we operate. If anything has been constant in our organization’s history it is the inevitability of change, whether it’s in market dynamics, regulation or the public policy environment. What brings me comfort and confidence is knowing how we’ve responded to that change in the past — we thrived.

  • We created, built and delivered an entirely new service for individuals, families and small business purchasing health insurance in Colorado and we are consistently seen as one of the top-performing and financially stable state-based Marketplaces.
  • We are trending 25% above where enrollments were only one year ago.
  • We developed a wide network of expert stakeholders from hospitals, trusted community-based organizations, Assistance Network partners, and brokers who have tirelessly served Coloradans for four years.
  • More than 93% of Coloradans have health insurance, the highest rates in the state’s history and one of the highest rates in the country.
  • Bankruptcies tied to medical debt have dropped by more than half to 45,000 a year.
  • We delivered $184 million in tax credits to our state in 2015.
  • Our innovative consumer decision-support tools leveraging Colorado claims data continue to receive positive attention.

While there are legitimate concerns about the future of the Affordable Care Act (ACA), we should remember that Colorado’s path to building a health insurance Marketplace started years before national healthcare reform. The history dates back to 2006, when the Colorado General Assembly and Gov. Bill Owens established the Blue Ribbon Commission for Health Care Reform, known as the “208 Commission.”

In 2008, under Democratic Gov. Bill Ritter Jr., the Commission released its “Final Report to the Colorado General Assembly,” with a set of 26 robust recommendations from a diverse set of bipartisan stakeholders. The recommendations included the concept of a health insurance marketplace, much like the one we operate today. In many ways, our state was ahead of the curve. In the coming months, we’ll work to remind our partners, legislators, and the business community that while there is still room for improvement, we have made a very big dent in these issues identified ten years ago. Our mission of improving access, affordability and choice still ring true, regardless of who is in office.

While legislation has yet to be proposed, we are keeping our eye on several things. On Monday we outlined possible election impacts to the organization with our Board Policy Committee. We will continue to monitor potential changes to the ACA through the lens of our mission statement.

In Recent News

Six-term Republican Georgia congressman and orthopedic surgeon, Tom Price, has been nominated as the next secretary of Health and Human Services (HHS). In this role, Price will oversee many departments within HHS like the Centers for Medicare & Medicaid Services (CMS), but his main focus will be to define the future of the Affordable Care Act and how Healthcare.gov and other state-based Marketplaces, like ourselves, comply with any new changes to the law. Price will need to be confirmed by the Senate before his appointment is final.

Seema Verma was also recently selected to run CMS. Verma has extensive Medicaid experience having designed Indiana’s Medicaid expansion under then Gov. Mike Pence. In this role, she’ll have oversight of Medicare, Medicaid and the Children’s Health Insurance Program (CHIP). In Colorado, this program is called Child Health Plan Plus (CHP+), which offers low-cost health insurance for certain children and pregnant women and is administered by Colorado’s Department of Health Care Policy & Financing (HCPF).

I appreciate everything you all are doing to help improve the health of Coloradans.

Kevin Patterson, MURP, MPA
Chief Executive Officer
Connect for Health Colorado

CEO Blog: High Enrollment Trending

As we approach the Thanksgiving holiday, we’re busy as ever enrolling customers. In fact, enrollments are outpacing our numbers by more than 25 percent over this time last year, with our biggest day falling the day after the election. And, this is a trend we’re seeing nationally.

While the recent election has raised a lot of questions about the future of healthcare, what remains constant and true is the importance of protecting the health and financial future of our customers. Broken bones, disease and other chronic conditions aren’t political, but can happen at any time and in some cases, are preventable with access to care and health insurance. Our dedication to helping customers remains as strong as ever.

With the upcoming holiday, we’d like to make you aware of our hours and closures. The Connect for Health Colorado administrative office will be closed Thursday, November 24th and Friday, November 25th. Our Customer Service Center will be operating the following hours:

  • Thursday, November 24th: Closed
  • Friday, November 25th: Open 8 a.m. – 6 p.m.
  • Saturday, November 26th: Open 8 a.m. – 5 p.m.

We will continue to communicate weekly and as we know more. You can also see updates on our new “Election Questions” page that we created to address inquiries.

Have a happy and healthy Thanksgiving holiday,

Kevin N. Patterson, MURP, MPA
Chief Executive Officer
Connect for Health Colorado