There expected to be insurer in in 2018, in 2017.After months of back-and-forth, every county nationwide will have an insurer in their ACA marketplace in 2018.
That means there are marketplace enrollees living in a county with no way to purchase affordable individual health coverage. But could be left with just one insurer to choose from. That’s out of more than 10 million enrollees total.
Since the ACA marketplaces opened in 2014, no county has ever been bare, although it briefly looked last year as if Pinal County, Arizona, would lack any ACA insurer.
Number of insurers, 2014 to 2018
What’s changing for 2018
Change in insurers 2017 to 2018
X
Insurers across the country have cited uncertainties created by the Trump administration as a reason for ending their participation in the ACA marketplaces.
For months, the Trump administration has been silent on whether it will continue to pay “cost-sharing reductions” (CSRs) to insurance companies. These payments subsidize about 7 million consumers’ copays and deductibles, as opposed to other subsidies which that defray the costs of insurance premiums.
Eliminating subsidies could leave insurers to foot the bill
How an example doctor visit is paid for under the ACA
The patient, government subsidy and insurance contribute
LOW-INCOME
PATIENT
Co-pay
Cost-sharing reduction
GOVERNMENT
INSURANCE
COMPANY
Insurance
coverage
Cost
of care
HEALTH-CARE
PROVIDER
How it would work without cost-sharing reductions
The insurance company has to make up the difference
LOW-INCOME
PATIENT
Co-pay
No extra government subsidy
INSURANCE
COMPANY
Insurance
coverage
Cost
of care
HEALTH-CARE
PROVIDER
Insurer covers
more of cost
The above visualization is an example to demonstrate the cost-sharing reduction scenario. Areas are not representative of the share that each source would pay, which varies by patient, plan and medical procedure.
How aN EXAMPLE doctor visit is paid for under the ACA
The patient, government subsidy and insurance contribute
LOW-INCOME
PATIENT
INSURANCE
COMPANY
HEALTH-CARE
PROVIDER
GOVERNMENT
Cost
of care
Cost-sharing reduction
Insurance
coverage
Co-pay
How it would work without cost-sharing reductions
The insurance company has to make up the difference
LOW-INCOME
PATIENT
INSURANCE
COMPANY
HEALTH-CARE
PROVIDER
Insurer covers
more of cost
Insurance
coverage
Co-pay
No extra
government
subsidy
The above visualization is an example to demonstrate the cost-sharing reduction scenario. Areas are not representative of the share that each source would pay, which varies by patient, plan and medical procedure.
If the Trump administration were to stop paying the CSRs, consumers would still be entitled under the ACA to those reductions. Insurance companies would be forced to absorb those costs.
[Trump could quickly doom ACA cost-sharing subsidies for millions of Americans]
Some companies already have decided to hike up their 2018 premiums more than they would otherwise to position themselves for an adverse decision by the administration. Others have left the market entirely.
Where insurers are leaving for 2018 so far
A spokesman said “uncertainty that has surrounded the future of the exchanges for some time now" was a significant factor. (Story)
Their announcement cited "an increasing lack of overall predictability" and "continual changes in federal operations, rules and guidance." (Story)
The company said it was "seeing further signs of an unbalanced risk pool." (Story)
As a subsidiary of Premera Blue Cross, this insurer also said it left due to rising costs, not uncertainty. (Story)
Rising costs in rural communities, not uncertainty, lead the carrier to exit. (Story)
The decision was driven by "financial risk and an uncertain outlook for the marketplace." (Story)
Correction, June 20, 2017: A previous version of this story incorrectly stated Pinellas County, Arizona was nearly bare in 2017. It was, in fact, Pinal County, Arizona.
About this story
2017 marketplace insurers and announced 2018 exits are from the Robert Wood Johnson Foundation. 2017 marketplace enrollment and 2014-2016 insurer participation are from the Kaiser Family Foundation; data for state-based exchanges are estimates. Because 2018 exits are based in part on compiled news reports, exit data may be incomplete. See something we missed? Email kim.soffen@washpost.com.
Originally published June 14, 2017.
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