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How Obamacare’s Marketplaces Are Shaping Up for 2018

Greenbeard

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Bloomberg has a good look today at the state of play in the marketplaces for 2018. Worth clicking through, as the maps are interactive.

How Obamacare’s Marketplaces Are Shaping Up for 2018
Based on the latest data, most of the 12 million people who got health insurance through Obamacare’s individual marketplaces will have the same number of companies to choose among next year as they did in 2017. These maps will change as insurers finalize their plans before signing contracts in the fall.

Most marketplace enrollees had multiple insurance companies to choose among this year, and most will again in 2018. In 2017, 83 percent of enrollees received help paying their premiums.

In four Indiana counties, parts of Ohio and rural Nevada, no insurer has yet filed or publicly announced plans to sell marketplace plans. About 25,000 people enrolled in marketplace plans in these so-called “bare” counties in 2017. Insurance departments in each state are working to convince companies to re-enter those areas.


w2iyqh.png

The vast majority buyers have multiple insurers to choose from; the remaining question is what, if anything, to do about the primarily rural areas home to the remaining 20% that have only a single seller (and the 25K people who'd have no seller in the worst-case scenario).

Despite confirmation from the Trump's HHS two weeks ago that no death spiral is occurring and multiple analyses recently showing that insurer finances in the marketplaces have stabilized (i.e., swung into the black), the administration's threats to deliberately wreck the market remain dark clouds over 2018:

Ongoing efforts to repeal Obamacare are adding even more uncertainty for 2018. In their filings, many companies have also noted that the Trump administration’s non-enforcement of the individual insurance mandate and uncertainty over the continuation of cost-sharing subsidies have caused substantial rate increases for next year. Several companies also wrote in their filings that if cost-sharing subsidies are not funded they will withdraw from the marketplace entirely.
 
It seems like America can't make up its mind so if they want Obamacare, screw it. Let them live with it.

What people really want is cheaper health care, which working stiffs had and now don't. They elected Obamacare in 2008. Why should Trump bust his nuts to change what seems to be suddenly popular?

"Live it. Love it. Obamacare!"
 
Bloomberg has a good look today at the state of play in the marketplaces for 2018. Worth clicking through, as the maps are interactive.

How Obamacare’s Marketplaces Are Shaping Up for 2018


The vast majority buyers have multiple insurers to choose from; the remaining question is what, if anything, to do about the primarily rural areas home to the remaining 20% that have only a single seller (and the 25K people who'd have no seller in the worst-case scenario).

Despite confirmation from the Trump's HHS two weeks ago that no death spiral is occurring and multiple analyses recently showing that insurer finances in the marketplaces have stabilized (i.e., swung into the black), the administration's threats to deliberately wreck the market remain dark clouds over 2018:

Two thirds is now considered "the vast majority"? Nice spin. :roll:
 
80% is indeed the vast majority.

Okay, let's for a moment pretend that 80% number is actually true. What percentage of that number, have a choice of two insurers? How about 3? Why don't you give us the actual breakdown instead of using vague terms like " more than one"?
 
Insurers' profits are through the roof as they scream in agony.
 
I like the spin...the "vast majority" as in the states with the densest populations.

2016electoralcollegemap.jpg

However...I see two States, Ohio and Indiana, where several counties have ZERO insurers and they both voted Trump. Wasn't Ohio one of those "Leaning Blue States?"

Then there are seven States with only ONE insurer, and they all voted Trump.

That "marketplace seems to be concentrated on where the most people live...so much for Mr. Obama's promise "If you like your insurance you can keep your insurance" (if you live in states where they can make a profit).

I'm curious, how is it that New Mexico remains one of the States with 4 or more insurers? It is ranked #36 in population...behind five of those seven States with only one insurer. Strange. :confused:

https://simple.wikipedia.org/wiki/List_of_U.S._states_by_population
 
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Okay, let's for a moment pretend that 80% number is actually true. What percentage of that number, have a choice of two insurers? How about 3? Why don't you give us the actual breakdown instead of using vague terms like " more than one"?

There's an image with literally exactly that information in the OP. Scroll up this page. You will see it.

That "marketplace seems to be concentrated on where the most people live...

That does seem to be the situation. Nevada is turning out to be a microcosm of the economics of that situation:

We’re watching Nevada closely. Four companies filed to sell plans this year in Clark, Washoe and Nye counties - where 91% of the state’s enrollees live. No companies filed to sell plans in the other 14 Nevada counties, where about 8,000 people total enrolled in marketplace plans this year. Earlier this summer, the state legislature passed a "Medicaid-for-all" bill that would allow people to buy Medicaid coverage on the state exchange beginning in 2019, but Republican Governor Brian Sandoval vetoed that plan.

Empty counties are struggling--but then most people don't live in empty counties.
 
It seems like America can't make up its mind so if they want Obamacare, screw it. Let them live with it.

What people really want is cheaper health care, which working stiffs had and now don't. They elected Obamacare in 2008. Why should Trump bust his nuts to change what seems to be suddenly popular?

"Live it. Love it. Obamacare!"
What working people [stiffs] used to have was either employer provided health insurance, which hasn't been reduced under Obamacare or couldn't get insurance because they either couldn't afford it or had preexisting conditions that excluded them. Obamacare addressed both of those problems.

You know the only two things worse than Obamacare? The Republican alternative and no insurance at all -- and of those two, I don't know which is worse. The GOP alternatives raise the the premium prices beyond what most can afford, unless you are young. But if you are rich, the laws will give you a healthy tax-cut.

In the meantime, Obamacare Is Not Collapsing, Imploding or Exploding.
The biggest lie that President Trump and other Republican leaders have been repeating about the Affordable Care Act for years is that it is collapsing, imploding or exploding. The truth is that the law is actually working reasonably well, and even the part that has shown the most weakness — the health insurance marketplaces — has been stabilizing.
 
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I like the spin...the "vast majority" as in the states with the densest populations.

View attachment 67220005

However...I see two States, Ohio and Indiana, where several counties have ZERO insurers and they both voted Trump. Wasn't Ohio one of those "Leaning Blue States?"

Then there are seven States with only ONE insurer, and they all voted Trump.

That "marketplace seems to be concentrated on where the most people live...so much for Mr. Obama's promise "If you like your insurance you can keep your insurance" (if you live in states where they can make a profit).

I'm curious, how is it that New Mexico remains one of the States with 4 or more insurers? It is ranked #36 in population...behind five of those seven States with only one insurer. Strange. :confused:

https://simple.wikipedia.org/wiki/List_of_U.S._states_by_population
That's a reason why the original ACA plan called for a public option that got pulled because conservative senators, who got campaign contributions from insurance companies, objected. It was a good idea then and is now.

Let's remember that the GOP plans have the same issue with covering people in low population areas.
 
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