This was slightly lower than the enrollment total in late 2018, so enrollment in Pennsylvania’s expanded Medicaid, which took effect in 2015, appears to have stabilized. Error! There was no longer a need for the transition to a state-run exchange, since subsidies continued to be available regardless of who runs the exchange. Success! Pennie, the new state-based health insurance marketplace, will improve the accessibility and affordability of individual health coverage for Pennsylvanians. to speak directly with licensed enrollers who will provide advice specific to your situation. A few flurries or snow showers possible. However, consumer groups and legislators did not support the concept. Pennsylvania. And Zachary Sherman, who previously served as the director of Rhode Island’s health insurance exchange, is leading Pennsylvania’s exchange. You may submit your information through this form, or call Final approved rates for some insurers were slightly higher than the insurers had proposed, but the overall impact of the rate review process was a somewhat smaller overall average rate changes across the whole market. 2015: 472,697 people enrolled during the second open enrollment period, for 2015 coverage. amounted to $98 million in 2019. Insurers in Pennsylvania added the cost of CSR to the premiums for on-exchange silver plans. Governor Tom Wolf announced in September 2017 that the uninsured rate in Pennsylvania had fallen to 5.6 percent as of 2016 — the lowest it had ever been, and down from nearly 10 percent before the ACA was implemented. 2019: Initially, in June 2018, Pennsylvania insurers filed plans with an overall rate increase of 4.9 percent. Federal funding for marketing and enrollment assistance had been reduced again in the fall of 2018, and the federal individual mandate penalty was eliminated at the end of 2018, which contributed to enrollment declines in many states, including Pennsylvania. Explore health coverage plans and find the right one for your needs. Account information on HealthCare.gov is being migrated to Pennie. Welcome to Pennie, the health insurance marketplace for Pennsylvanians. Pennsylvania on Tuesday debuted its state-based insurance marketplace, Pennie.com, which will give residents who buy individual health plans an extra four weeks to shop for 2021 coverage. They also have much better access to enrollment data, which can be used to better understand enrollment trends and seek opportunities to better serve the state’s population. By the 2021 plan year, however, Pennsylvania is planning to have its own exchange platform. The perception that the individual mandate had been repealed also served to hamper enrollment for 2018, despite the fact that the penalty repeal didn’t take effect until 2019. ZIP Code: ... What is the health insurance marketplace? The Pennsylvania Insurance Department reviews rates for individual and small group plans available on the federal marketplace. It was approved in July 2020, and will be in effect from 2021 through 2025. Winds W at 5 to 10 mph. In late April, the state began transitioning people off of Healthy PA and onto HealthChoices, the change took effect on June 1. Three carriers that participated in 2014 left the exchange, but four more — including giants Assurant (Time) and UnitedHealthcare — joined the exchange, making Pennsylvania among the many states where consumer choice increased for 2015. 2016: In October 2015, the Pennsylvania Insurance Department published final 2016 rates for the individual and small group markets, including plans sold through the Pennsylvania exchange. So for the first several years of ACA implementation, Pennsylvania has used the federally run exchange at HealthCare.gov. As of 2019, Keystone Health Plan Central is continuing to only offer plans outside the exchange, although they have over 2,000 enrollees. State officials have noted that they’re hopeful that the state’s new reinsurance program — assuming it’s approved for 2021 — will attract more insurers into the market. In February, Wolf began the process of moving away from Healthy Pennsylvania. Highmark told brokers that they would reinstate commissions for 2017, although their broker commissions were still $0 as of 2018. Initial rate filings were due in Pennsylvania by May 19, and although CMS had not approved the state’s reinsurance waiver at that point (approval came in late July), the filing instructions included directives for how insurers were to account for the expected implementation of the reinsurance program. The state obtained federal approval (via a 1332 waiver, which the state submitted in February 2020) for the reinsurance program in July 2020; it will take effect in 2021. Many Pennsylvania consumers now pay less for their coverage than before the Affordable Care Act (ACA) was created. In December 2012, then-Governor Corbett announced Pennsylvania would use the federal health insurance exchange rather than implementing a state-run exchange. Some of the insurers revised their filings after HHS finalized risk adjustment data in July 2017, and rates were again revised based on the assumption that CSR funding would not continue (this was after it became evident that neither Congress nor the Trump Administration planned to provide commitment for ongoing CSR funding; the Trump Administration later confirmed on October 12 that federal funding for CSR would end immediately). Despite the fact that the 2016 enrollment tally accounted for early attrition (through February 1), which the 2015 tally did not, most states saw a year-over-year increase in enrollment at the end of open enrollment 2016 versus 2015 — that was not the case in Pennsylvania. But instead of three different plan designs, the new system has a single benefits package for all Medicaid enrollees. Highmark was clearly hoping to reduce sales for 2016 — particularly in northeastern Pennsylvania. In August 2019, Governor Wolf announced the appointees for the Pennsylvania Health Insurance Exchange Authority’s board of directors. The Insurance Department credits the state’s decision to have insurers add the cost of cost-sharing reductions (CSR) only to on-exchange silver plans for 2018 with helping to stabilize the market and resulting in “only a small decline [in exchange enrollment] from the previous year.” Pennsylvania’s exchange market shrank by 9 percent in 2018, while the average across all states that use HealthCare.gov was about 5 percent. The state published its 1332 waiver proposal for the reinsurance program in mid-November 2019, and submitted it to CMS in February 2020. In 31 of Pennsylvania’s 67 counties, there were more health insurers offering coverage in the individual market in 2019 than there were in 2018 (a map is available here, showing which counties had additional insurers in 2019). Once rates were finalized, the average increase stood at 3.8 percent instead. Then-Governor Tom Corbett’s office announced the details of the approved Healthy Pennsylvania program, and HHS released an extensive explanation of how the state’s Medicaid waiver would work (a waiver is required if a state is doing anything other than straight Medicaid expansion as laid out in the ACA). Short-term health plans can be sold in Pennsylvania, November 1, 2020, through January 15, 2021, New Jersey’s transition to a fully state-run exchange, already switched to having a state-based exchange on the federal platform (SBM-FP) as of the fall of 2019, five other states have the same exchange model, fund the state’s portion of the cost of the reinsurance program, 60 percent of the cost of claims that fall between $60,000 and $100,000, The following average rate change proposals, average proposed rate increase of 4.6 percent, published final 2016 rates for the individual and small group markets, available on the Pennsylvania Insurance Department’s website, list of entities offering coverage in the exchange in 2017, HHS finalized risk adjustment data in July 2017, would have been in the range of 7.6 percent, is the option that protects the greatest number of consumers, if the individual mandate penalty hadn’t been eliminated, not offering silver plans at all in the individual market in 2017, likely because of people switching from private health plans to Medicaid, insurer exits from the exchanges/individual market, penalty repeal didn’t take effect until 2019, Pennsylvania defaults to the federal rules for short-term plans, just 12.6 percent of what they were supposed to be, reduced or eliminated broker commissions for 2016, page that shows rate filings for transitional plans, used by Arkansas, Kentucky, Oregon, Nevada, and New Mexico, Health Care Matters, Pennsylvania Office of the Attorney General, Health insurance & health reform authority, Nearly a million people in Pennsylvania have. 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