Blue Cross Blue Shield is adding nearly 2 million to the tally of customers buying insurance outside the Obamacare exchanges, a group that has been largely overlooked in the debate over enrollment numbers.
The association said Thursday that 1.7 million off-exchange customers enrolled in Blue Cross Blue Shield insurance plans compliant with the health care law between Oct. 1 and March 1. The total does not include the final month of the open-enrollment period, which ended Monday.
The figure is the largest yet in the limited data available on the Affordable Care Act’s reach beyond the federal and state-based marketplaces.
The Obama administration announced this week that 7.1 million individuals have enrolled in private coverage through the ACA exchanges, surpassing the Congressional Budget Office’s original target. The total has been hotly debated, with critics and supporters alike pointing out that we still don’t know how many consumers have paid their first-month premiums (estimates have hovered between 80 and 90 percent), or what the breakdown of age and health status is of those enrolled. These are all important in evaluating the number actually getting coverage and the security of the risk pools.
Yet one of the biggest question marks has been largely excluded from the conversation, and it could add millions to the overall enrollment tally.
Off-exchange enrollment — directly with insurance companies or through private brokers and online sites — allows consumers to bypass the sometimes-troubled exchange websites to purchase coverage. They are not using the new enrollment vehicle, but they are often buying the same plans, and are part of the same risk pools, with the same impact on premium costs.
The Blue Cross Blue Shield total significantly increases the off-exchange total thus far.
Washington state — one of the only to release this data — had seen more than 180,000 people enroll in plans off the exchanges by the end of February, more than the 125,000 paid enrollments on the exchange as of March 23.
WellPoint has reported that as of the end of January, about 100,000 of its new customers did not enroll through the ACA’s exchanges. Highmark said that as of mid-February, more than 35,000 people who bought ACA-compliant plans enrolled directly with the insurance company.
Reports indicate off-exchange enrollment could also have a healthier enrollment pool.
Online broker eHealth has had about 170,000 people apply for plans from October to December, and has found that its mix of enrollees skews significantly younger than the overall exchange total: About 45 percent applying through the company are in the 18-to-34 age bracket, compared with around 25 percent on the ACA marketplaces.
Blue Cross Blue Shield says they do not have information on the age or health status of the off-exchange enrollees, or on how many were new customers.
What We're Following See More »
Following their meeting, President Enrique Peña Nieto of Mexico and Republican nominee for president, Donald Trump, briefly addressed the media, with Peña Nieto subtly rebuking Trump's rhetoric. While he spoke respectfully about Trump, Peña Nieto did not back down, saying that free trade has proved effective and that illegal immigration into America from the south has decreased over the last ten years while the flow of people and drugs into Mexico has increased. Additionally, he stressed that Mexicans in America are "honest" and "deserve respect." Trump responded, calling some Mexicans "tremendous people" while saying others are "beyond reproach." Trump laid out five important issues, including the end of illegal immigration and the ability for either country to build a wall or border. However, Trump said he did not discuss who would pay for the wall.
A divided Supreme Court "refused Wednesday to reinstate North Carolina’s voter identification requirement and keep just 10 days of early in-person voting. The court rejected a request by Gov. Pat McCrory and other state officials to delay a lower court ruling that found the state law was tainted by racial discrimination."
"Police say a woman walked into U.S. Rep. Danny Davis' office on Chicago's West Side, drank out of a bottle of hand sanitizer, poured the sanitizer over herself and set herself on fire with a lighter." The Democrat wasn't in the office at the time.
"The Department of Health and Human Services on Wednesday awarded 44 states, four tribes and the District of Columbia a combined $53 million in grants to expand access to treatment for opioid use disorders and ultimately aimed at reducing the number of opioid-related deaths." But HHS Secretary Sylvia Burwell and drug czar Michael Botticelli both called on Congress to approve the $1.1 billion Obama has requested to fight the opioid crisis.