A few flurries or snow showers possible. The messy nature of the transition to expanded Medicaid in Pennsylvania resulted in some people being enrolled in private plans in 2015 when they were technically eligible for Medicaid instead. Some people prefer to buy health insurance directly from an insurance company or through a broker. The cost to run the state-based exchange will be covered by that fee, and the leftover revenue will be used to cover the state’s share of the cost for the reinsurance program. Account information on HealthCare.gov is being migrated to Pennie. But this tactic allows the carriers to remain on the exchange (albeit with reduced sales) and keep their options open for sales the following year. The carrier cut broker commissions to zero in northeastern Pennsylvania, and cut commissions in the rest of the state to $6 per-member-per-month (down from $15 to $25 PMPM previously). 2018: Open enrollment for 2018 coverage began November 1, 2017, and ended December 15, 2017. As noted above, the enrollment window will continue through January 15, 2021, giving Pennsylvania residents an additional month to sign up for coverage. Approximately 3,720 enrollees who currently have Highmark Choice Company plans will need to switch to another plan for 2021. If you don't have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP), or another source that provides qualifying health coverage, the Marketplace can help you get covered.. Another 267,191 people were receiving premium subsidies to offset the cost of private coverage purchased through the Pennsylvania exchange as of early 2020. As of June 2020, the exchange had a full-time staff of 19 people and was beginning a second hiring wave, which brought the staffing level up to about 25 as of late September. 2014: 318,077 people enrolled during the first open enrollment period. Actuarial modeling in the state’s proposed waiver indicated that with the reinsurance program in place, unsubsidized premiums in the individual market would be 4.9 to 7.5 percent lower in 2021 than they would otherwise have been. Once rates were finalized, the average increase stood at 3.8 percent instead. It was set at 3.5 percent of premiums in 2019, and although that dropped to 3 percent in 2020 (actually 2.5 percent for Pennsylvania, since the state has transitioned to a state-based exchange using the federal platform, as described below), it was still going to be $88 million (now $73 million) that Pennsylvania insurers — and thus, Pennsylvania insureds — have to send to the federal government to use the federally-run exchange. Pennie — the new Pennsylvania Insurance Exchange — will be in use when open enrollment begins on November 1, 2020. The Pennsylvania Insurance Department’s website has a page that shows rate filings for transitional plans, but the only recent individual market transitional plan filing shown on that page is for Geisinger, for a plan that had 1,791 enrollees as of 2018. In August 2019, Governor Wolf announced the appointees for the Pennsylvania Health Insurance Exchange Authority’s board of directors. The Pennsylvania Insurance Department and the CEOs of the five individual market insurers had sent a letter in April 2017 to HHS, asking the federal government to take swift action to ensure stability in the individual insurance markets. Chance of rain 50%.. Showers early, then partly cloudy overnight. The mission of healthinsurance.org and its editorial team is to provide information and resources that help American consumers make informed choices about buying and keeping health coverage. But for people who qualify for premium subsidies in the Pennsylvania exchange, the average pre-subsidy premium was $396/month in 2016, which was exactly the average across the 38 states that use Healthcare.gov. So for the first several years of ACA implementation, Pennsylvania has used the federally run exchange at HealthCare.gov. 2016: 439,238 people enrolled during the third open enrollment period, for 2016 coverage. UnitedHealthcare stopped paying broker commissions for any exchange enrollments submitted January 1, 2016 or later, in any of the 34 states where they offered plans in the exchange (United has since exited the exchanges in nearly all of those states, and now only offers individual market coverage in a few states). This means Pennsylvania is responsible for a variety of exchange functions and oversight, but uses HealthCare.gov for enrollment (five other states have the same exchange model). Enrollment in expanded Medicaid had grown to 684,297 people as of July 2019. The following average rate change proposals are being considered by regulators in Pennsylvania: In Pennsylvania, Highmark’s individual market plans are available through several affiliates. In a press release earlier in 2019, Governor Wolf’s office noted that the user fee that was currently being collected by the federal government (for the use of HealthCare.gov, the federal call center, etc.) United’s total exchange enrollment in Pennsylvania was 65,159 in 2015. In February, Wolf began the process of moving away from Healthy Pennsylvania. 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). amounted to $98 million in 2019. Pennsylvania has opted to let the federal government and the HHS run their health care marketplace. Pennsylvania’s exchange is fairly robust in terms of overall insurer participation, but it’s gone from having four or more insurers offering plans in every county in 2015, to several areas of the state having only one insurer option in 2018 and 2019. Average premiums in Pennsylvania’s individual market decreased slightly for 2019, and although they increased by an average of almost 4 percent for 2020, a rate decrease is expected again for 2021, thanks to the transition to a state-run exchange and the implementation of a reinsurance program. Compare Health Plans & Providers Now Enter your ZIP code to get started. Open enrollment through Pennie will run Nov. 1 through Jan. 15. Ten Tips for Selecting a Health Insurance Provider; InsuranceMarketplace.org is not an insurance company and is not affiliated with any State or Government entity. It was unclear initially how the transition would play out, but Wolf said he would abandon Healthy Pennsylvania in favor of straight Medicaid expansion, and Democratic state lawmakers urged him to move quickly in doing so. At ACAsignups, Charles Gaba calculated the overall weighted average rate change for 2016, which came out to be 12 percent for the entire individual market. New Jersey is also working towards having its own exchanges in 2021; New Mexico and Maine are planning a similar transition for the following year. With the reinsurance program in place, Pennsylvania estimates that the number of subsidized enrollees in the state’s individual market will remain roughly level from 2020 to 2021, but that the number of unsubsidized enrollees will grow by about 4,000 people. Enroll now for 2021 coverage. 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). The expansion of Medicaid is a major cornerstone of Obamacare; many enrollees supported Trump in the 2016 election, perhaps unaware that the reason they have access to Medicaid in Pennsylvania is a result of the ACA (Obamacare). But it’s important to note that the average benchmark premiums in Pennsylvania decreased more significantly than the overall average premiums. 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. Reductions in premiums primarily benefit people who pay full price for their coverage, as premium subsidies (for those who are eligible) rise and fall in line with premiums. High 48F. By the 2021 plan year, however, Pennsylvania is planning to have its own exchange platform. Stay up-to-date on breaking news, weather and entertainment with "Desktop Alert Notifications" WFMZ.com. Low 33F. But states that run their own exchange enrollment platforms have more flexibility on this, and most of them have opted to extend open enrollment most years. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Email notifications are only sent once a day, and only if there are new matching items. Pa Health Insurance Marketplace Prices – Compare And Enroll The Pennsylvania Health Insurance Exchange Authority (PHIEA) offers affordable individual and family medical plans and generous tax subsidies. And when the rates were approved (details here), some additional reductions resulted in rates decreasing by an average of 2.3 percent, although there was considerable variation from one insurer to another. One of them — Highmark Choice Company — is discontinuing its current plans (which are offered on- and off-exchange) at the end of 2020 and will instead only offer one bronze plan outside the exchange. Final approved rates were published in October, with a slightly smaller overall average rate increase than insurers had proposed (for the small group market, the final approved rate increase was slightly larger than insurers had proposed). Winds WNW at 5 to 10 mph. The reinsurance program will reimburse insurers 60 percent of the cost of claims that fall between $60,000 and $100,000. 2018: All of Pennsylvania’s exchange insurers filed rates for 2018, which are available on the Pennsylvania Insurance Department’s website. This move will save money and also give the state significantly more control over its exchange. Earlier in 2012, Corbett had repeatedly indicated his administration preferred a state-run exchange, and feedback gathered by a consultant showed broad-based public agreement. In July 2019, the Pennsylvania Insurance Department published the proposed rate changes for 2020. 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. Further, the number of counties with just one health insurer offering coverage in the individual market decreased from 20 to eight. Premiums shown are total costs per employee per month. Eleven insurers plan to offer 2021 individual market plans through Pennsylvania’s health insurance exchange (Pennie). Geisinger Quality Option (PPO) stopped being available on-exchange as of 2017, although Geisinger Health Plan (HMO) continued to be available on-exchange (nationwide, insurers have trended towards offering HMOs and/or EPOs in the individual market, especially in the exchange, instead of PPOs). Learn more about us. Pennsylvania and New Jersey are leaving the federal marketplace this fall to save money and will start their own insurance exchanges. And in addition to a new entrant into the market, four of the five insurers already in the individual market expanded their coverage areas for 2019. A few flurries or snow showers possible. Most of them have proposed average rate decreases for 2021, although a few have proposed modest rate increases. Freedom Life/National Foundation Life also exited the off-exchange market at the end of 2017, but the Pennsylvania Insurance Department confirmed that Freedom Life/National Foundation Life never marketed their plans and didn’t have any enrollees in 2017. It is also the only place that connects Pennsylvanians to financial assistance to reduce the … Success! In an effort to avoid selling plans that weren’t proving to be profitable, some carriers in Pennsylvania reduced or eliminated broker commissions for 2016. Wolf’s office noted that the state-run exchange is expected to cost “as little as $30 million per year,” likely in the range of $30-$35 million per year. Harrisburg, PA – Governor Tom Wolf today announced the incoming leadership of the Pennsylvania Health Insurance Exchange Authority. "The Commonwealth is … In June 2017, the Pennsylvania Insurance Department had published a press release detailing the impact that changes to the ACA would have on premiums for 2018. For 2020, all of the existing insurers remained in the exchange, and Oscar joined in the Philadelphia area. Jessica Altman, Pennsylvania’s Insurance Commissioner, testified before the PA House Insurance Committee in May 2019 and outlined the myriad benefits of switching to a state-run exchange. Residents can enroll at the official website Healthcare.gov or they can call 1-800-318-2596, available 24/7. They were not offering silver plans at all in the individual market in 2017, which is a prerequisite of offering coverage in the exchanges under ACA rules. 619-367-6947 Kentucky, New … People can now search for coverage options at Pa.'s new health insurance marketplace, Stormcenter - School / Business Application, Pa. Gov. Premium subsidies are based on the cost of the benchmark plan, so average subsidies were smaller in 2019 than they were in 2018, for people whose income remained the same. Keystone Health Plan Central also stopped offering plans in the exchange in 2017, according to the rate approval notice published by the Pennsylvania Insurance Department. If a customer enrolls in coverage between December 16 and January 15, the coverage will begin on February 1, 2021. This change reduced Pennsylvania’s exchange user fee to 2.5 percent of premiums for 2020, instead of 3 percent. (877) 881-6388 / ra-in-consumer@state.pa.us. Pennsylvania was one of 37 states that used Healthcare.gov in 2015, and subsidies hung in the balance for millions of enrollees in those states, including 382,000 people in Pennsylvania. Residents in nearly half of Pennsylvania’s counties had additional plan options for 2019. 3 This was the first time Pennsylvania used a state-based exchange on the federal platform . Many Pennsylvania consumers now pay less for their coverage than before the Affordable Care Act (ACA) was created. 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. 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. Prior to the President’s announcement, a quarter of a million Pennsylvania residents — about one-third of the individual market in the state — had received cancellation notices. Pennsylvania was the first state to officially announce that they’d create a state-run exchange if necessary in order to protect subsidies in the state. 619-367-6947 You may submit your information through this form, or call Below is a snapshot of the lowest SHOP premiums available in Pennsylvania. 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. Chance of rain 50%. What is Obamacare? The Insurance Department’s summaries of the proposed and approved rates made it very clear that the federal government’s actions with regards to the ACA had been destabilizing, and highlighted the “Wolf Administration efforts to combat the effects of sabotage on health insurance markets by the federal government and specifically the Trump Administration to dismantle the Affordable Care Act (ACA).”. What is Medicare? Tom Wolf tests positive for COVID-19, New health insurance marketplace to replace healthcare.gov for Pennsylvanians looking for coverage in 2021, Light snow coats the region, with some slick spots reported, Humane Pennsylvania, R-Phils team up for 'Paws & Claus', Police: Driver tried to cover pot smell with body spray after traffic stop, Pennsylvania man hit New Jersey officials with fake liens, Berks wakes up to season's first coating of snow, Ohio man poses as teen online, asks girl for explicit photos, state A.G. alleges, Crash snarls traffic on I-78, Route 100 in Upper Macungie, Pleasant Valley HS temporarily closes due to COVID-19 cases, Flurries, snow showers around Wednesday, with a coating to an inch possible in spots, Supreme Court rejects bid to stop Biden's Pa. win: Political experts weigh in, Toomey: Trump asking state lawmaker to help overturn Pa. election results is 'completely unacceptable', Wolf warns hospitals at risk, mulls new virus restrictions, Pa. DOH distributes COVID-19 antigen tests to Northampton County, High court rejects GOP bid to halt Biden's Pennsylvania win, Nursing home industry: Pennsylvania illegally withheld funds, Butter sculpture canceled for 2021 virtual Pa. Farm Show, Pennsylvania outlines COVID-19 vaccine distribution plans, Pa. reports another 11K new virus cases, 169 more deaths, Pa. confirms another daily record of new cases, over 12,500 reported, Day care facing daily struggles during COVID pandemic, Industrial development leader retires, reflects on legacy, Yianni's Taverna reopens, 3 years after fire. The final average rate increase was 30.6 percent for 2018; it would have been in the range of 7.6 percent if CSR funding had been committed for 2018. People wanting to … But under a new bipartisan state program, they will soon become part of Pennie.com, a state-run health insurance marketplace that could be a better deal. But it’s true that adding the cost of CSR only to on-exchange silver plans is the option that protects the greatest number of consumers. 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. And HHS announced in October 2016 that the average cost of a benchmark plan (second-lowest-cost silver plan) in Pennsylvania for a 27-year-old would be 53 percent higher in 2017 than it was in 2016 (significantly more of an increase than the 22 percent average across all the states that use HealthCare.gov). Independence Blue Cross told Pennsylvania brokers in October that they would no longer be paying commissions for new business enrolled through the exchange for 2017, and that commissions would only apply to some HMO plans sold off-exchange. HHS had already finalized market stabilization rules earlier in the month, but they didn’t address two of the most pressing issues for insurers: enforcement of the individual mandate, and continued funding for the ACA’s cost-sharing subsidies. In December 2012, then-Governor Corbett announced Pennsylvania would use the federal health insurance exchange rather than implementing a state-run exchange. However, consumer groups and legislators did not support the concept. Healthcare for you. We are nationally recognized experts on the Affordable Care Act (ACA) and state health insurance exchanges/marketplaces. Helping millions of Americans since 1994. But they modified their rate filings in July, resulting in an overall average proposed rate increase of 0.7 percent (the Pennsylvania Insurance Department noted that this was because the average load to account for the cost of cost-sharing reductions was reduced from 28 percent to 20 percent). In late April, the state began transitioning people off of Healthy PA and onto HealthChoices, the change took effect on June 1. Statewide, the average benchmark premium (second-lowest-cost Silver plan) was 10.9 percent more expensive in 2016 than it was in 2015. 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. If you have job-based insurance: You can buy a plan through the Marketplace, but you'll pay full price unless your employer's insurance doesn't meet certain standards. In the first two days alone, 41,500 people enrolled (30,000 of them did so through HealthCare.gov). We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. 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. 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. People wanting to enroll in coverage that begins on January 1, 2021 need to apply by Dec. 15. Over 400,000 people in Pennsylvania used Healthcare.gov to enroll in health insurance during the 2016 open enrollment period. And the process of creating the state-run exchange — which will be known as Pennie — has been underway since the legislation was enacted, and the exchange will be up and running for the open enrollment period that begins November 1, 2020. A trusted independent health insurance guide since 1994. In addition to financial savings, states that run their own exchanges also have flexibility regarding their open enrollment schedules (Pennie’s first enrollment window will continue until January 15, 2021, which is an extra month beyond what it would be if the state had continued to use HealthCare.gov), call center operations, and navigator grants. Pennsylvania has nine carriers participating in the exchange market for 2020, although some of them offer plans via multiple subsidiaries. Aetna then exited the off-exchange market at the end of 2017. Pennsylvania initially opted not to establish its own exchange (although the state seriously considered establishing its own exchange in 2015, when the King v. Burwell lawsuit threatened premium subsidy access in states that didn’t run their own exchanges). As a basis for comparison, we encourage you to get quotes direct from other insurance companies to view a better range of plans … The group is overseeing the implementation and operations of the state-run marketplace. In the Philadelphia area, the average premium was decreasing by 10.7 percent in 2015. People can go to Pennie, the state's new state-based health insurance marketplace, to explore health insurance coverage options. This was a much shorter open enrollment period than was used in previous years. But for 2019, Geisinger Quality Options has returned to Pennsylvania’s exchange. 2019: 365,888 people enrolled during the sixth open enrollment period, for 2019 coverage. An email has been sent to with a link to confirm list signup. No medical questions. But then in November 2014, Democrat Tom Wolf defeated Corbett in the election, and took over as Governor in January 2015. If you look at the second column in that list, the four-letter codes at the start of each plan’s tracking number indicate their parent company: CABC = Capital Blue Cross; HGHM = Highmark; GSHP = Geisinger; INAC = Independence Blue Cross; UPMC = UPMC.]. Get up-to-the-minute news sent straight to your device. Greenhouse carries on poinsettia, water walk-thru display, Yuengling, American Eagle Foundation expand partnership, Apple to tighten app privacy, remove apps that don't comply, Ritz Barbecue tentatively set to reopen early next year, Indoor, vertical farm coming to Bethlehem area, Bear Creek hiring for 2020-21 ski season in Berks. Marketing strategy insurers filed plans with an overall rate increase of 10.4 percent in 2015 in your state go... 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