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Health Insurance Marketplace Open Enrollment Snapshot

Week 13: January 24, 2016 – February 1, 2016

News Release from US Department of Health and Human Services February 4, 2016

On January 31, Open Enrollment for 2016 coverage ended, with about 12.7 million plan selections through the Health Insurance Marketplaces. Of the 12.7 million consumers enrolling in Marketplace coverage, over 9.6 million came through the HealthCare.gov platform and 3.1 million selected a plan through State-based Marketplaces. It is also worth noting that nearly 400,000 people signed up for New York’s new Basic Health Program, along with about 33,000 people who signed up for Minnesota’s Basic Health Program, during this Open Enrollment. Basic Health Programs are state based programs supported by the Affordable Care Act that provide health insurance coverage to low income individuals who would generally otherwise be eligible for qualified health plans. In fact, about 300,000 of the New York Basic Health Program enrollees for 2016 are people who enrolled in Marketplace coverage for 2015 and were included in last year’s Marketplace total plan selections.

The Week 13 Open Enrollment Snapshot extends through 11:59pm EST on Monday, February 1, instead of through the January 31 deadline, to better capture consumers who may have been in line. This is the final snapshot for 2016 Open Enrollment.

“Open Enrollment for 2016 is over and we are happy to report it was a success,” said U.S. Department of Health and Human Services Secretary Sylvia Burwell. “The Health Insurance Marketplace is changing people’s lives for the better. Across the country, about 12.7 million Americans selected affordable, quality health plans for 2016 coverage, exceeding our goals. That includes over 4 million new consumers in the HealthCare.gov states who signed-up for coverage this year. The Marketplace is growing and getting stronger and the ACA has become a crucial part of healthcare in America.”

Of the 9.6 million consumers who got coverage through the HealthCare.gov platform, about 4.0 million are new consumers, which means about 42 percent of all plan selections were from new consumers. This does not include other new plan selections from State-based Marketplaces which will increase the total number of new consumers for 2016. In addition to the 4 million new HealthCare.gov consumers, about 3.9 million were returning Marketplace consumers who actively selected a plan and about 1.7 million were automatically enrolled by the Marketplace.

It is important to keep in mind that, because of improvements we made to further automate transactions with insurers, this year’s plan selection totals take into account any consumer initiated or insurer initiated cancelation that occurred during Open Enrollment. Last year’s totals only accounted for consumer-initiated cancelations, which means that this year’s totals have accounted for a larger number of cancellations during, rather than after, Open Enrollment. Because of these changes, there will likely be a smaller difference this year between plan selection totals at the end of Open Enrollment and subsequent effectuated enrollment snapshots.

The weekly Open Enrollment snapshots provide point-in-time estimates of weekly plan selections, call center activity and visits to HealthCare.gov or CuidadoDeSalud.gov. The final number of plan selections associated with enrollment activity to date could fluctuate as plan changes or cancellations occur, such as in response to life changes like starting a new job or getting married.

A more detailed report that looks at plan selections across all states for the entire Open Enrollment period will be released by HHS at a later time.

Definitions and details on the data are included in the glossary.

Federal Marketplace Snapshot

Federal Marketplace Snapshot Week 13 Jan 24 – Feb 1 / Cumulative Nov 1 – Feb 1

Plan Selections (net) 686,708 9,625,982

Applications Submitted (Number of Consumers) * *

Call Center Volume 2,115,411 14,569,745

Average Call Center Wait Time 14 minutes 50 seconds 10 minutes 31 seconds

Calls with Spanish Speaking Representative 164,364 938,952

Average Wait for Spanish Speaking Rep 54 seconds 26 seconds

HealthCare.gov Users 5,357,482 29,422,294

CuidadoDeSalud.gov Users 276,415 1,706,154

Window Shopping HealthCare.gov Users 1,305,998 9,642,929

Window Shopping CuidadoDeSalud.gov Users 27,914 189,953

* Applications submitted could not be validated this week.

HealthCare.gov State-by-State Snapshot

The Week 13 Snapshot provides cumulative individual plan selections for the states using the HealthCare.gov platform. States with the fastest rate of growth between Week 12 and Week 13 are Nevada (12%), Texas (11%) and Hawaii (10%). [Those states with the largest rate of growth increase between OE3 and OE2 are Oregon (31%), Utah (25%), Iowa (22%), South Dakota (22%) and Nevada (20%).]

Individual plan selections for the states using the HealthCare.gov platform include:

Week 13 Cumulative Plan Selections Nov 1 – Feb 1

Alabama 195,055

Alaska 23,029

Arizona 203,066

Arkansas 73,648

Delaware 28,256

Florida 1,742,819

Georgia 587,845

Hawaii 14,564

Illinois 388,179

Indiana 196,242

Iowa 55,089

Kansas 101,555

Louisiana 214,148

Maine 84,059

Michigan 345,813

Mississippi 108,672

Missouri 290,201

Montana 58,114

Nebraska 87,835

Nevada 88,145

New Hampshire 55,183

New Jersey 288,573

New Mexico 54,865

North Carolina 613,487

North Dakota 21,604

Ohio 243,715

Oklahoma 145,329

Oregon 147,109

Pennsylvania 439,238

South Carolina 231,849

South Dakota 25,999

Tennessee 268,867

Texas 1,306,208

Utah 175,637

Virginia 421,897

West Virginia 37,284

Wisconsin 239,034

Wyoming 23,770

HealthCare.gov Local Market Snapshot

The Week 13 snapshot includes a look at plan section by Designated Market Areas (DMAs) which are local media markets. These data provides another level of detail to better understand total plan selections within local communities. Some DMAs include one or more counties in a state that is not using the HealthCare.gov platform in 2016. Plan selections for those DMAs only include data for the portions of these areas that are using the HealthCare.gov platform, so the cumulative totals in the snapshot do not represent plan selections for the entire DMA. In addition, some DMAs cross into multiple states that use the HealthCare.gov platform and those totals are cumulative for all HealthCare.gov states in that DMA. Because some communities do not fall into a DMA, cumulative plan selections for local markets will not total to the national cumulative plan selection number.

The ten markets showing the fastest rate of growth between Week 12 and Week 13 include Yuma, Arizona (21 percent), Corpus Christi, Texas (17 percent), Harlingen, Texas (16 percent), Laredo, Texas (16 percent), El Paso, Texas (14 percent), Odessa-Midland, Texas (14 percent), San Antonio, Texas (14 percent), Abilene-Sweetwater, Texas (13 percent), Las Vegas, Nevada (13 percent) and Lubbock, Texas (12 percent). Eight of the ten markets showing the strongest growth are in Texas.

Local Markets in HealthCare.gov States State Cumulative Plan Selections Nov 1 – Feb 1

Abilene-Sweetwater Texas 11,221

Albany Georgia 17,339

Albuquerque-Santa Fe New Mexico 46,836

Alexandria Louisiana 10,025

Alpena Michigan 2,065*

Amarillo Texas 15,668

Anchorage Alaska 14,968

Atlanta Georgia 443,720

Augusta Georgia 33,718

Austin Texas 125,926

Bangor Maine 23,685

Baton Rouge Louisiana 45,424

Beaumont-Port Arthur Texas 15,602

Bend Oregon 10,828

Billings Montana 16,710

Biloxi-Gulfport Mississippi 10,301

Birmingham (Ann and Tusc) Alabama 77,782

Bluefield-Beckley-Oak Hill West Virginia 7,891

Boise Idaho 914*

Boston (Manchester) Massachusetts 44,126

Buffalo New York 1,334

Burlington-Plattsburgh Vermont 5,205

Butte-Bozeman Montana 9,732

Casper-Riverton Wyoming 5,315

Cedar Rapids-Wtrlo-Iwc & Dub Iowa 16,818

Champaign & Sprngfld-Decatur Illinois 25,196

Charleston South Carolina 47,833

Charleston-Huntington West Virginia 17,033

Charlotte North Carolina 208,622

Charlottesville Virginia 16,335

Chattanooga Tennessee 40,178

Cheyenne-Scottsbluff Wyoming 6,756

Chicago Illinois 310,523

Cincinnati Ohio 49,299

Clarksburg-Weston West Virginia 6,267

Cleveland-Akron (Canton) Ohio 86,600

Columbia South Carolina 45,680

Columbia-Jefferson City Missouri 22,811

Columbus Georgia 20,961

Columbus Ohio 48,427

Columbus-Tupelo-West Point Mississippi 14,601

Corpus Christi Texas 21,870

Dallas-Ft. Worth Texas 382,669

Davenport-R. Island-Moline Iowa/Illinois 17,966

Dayton Ohio 23,774

Denver Colorado 7,399

Des Moines-Ames Iowa 20,275

Detroit Michigan 180,516

Dothan Alabama 9,778

Duluth-Superior Minnesota 6,766

El Paso (Las Cruces) Texas 69,591

Elmira (Corning) New York 1,263

Erie Pennsylvania 9,356

Eugene Oregon 20,509

Evansville Indiana 14,592

Fairbanks Alaska 2,775

Fargo-Valley City North Dakota 11,275

Flint-Saginaw-Bay City Michigan 31,274

Ft. Myers-Naples Florida 92,695

Ft. Smith-Fay-Sprngdl-Rgrs Arkansas 23,796

Ft. Wayne Indiana 22,630*

Gainesville Florida 20,355

Glendive Montana 549*

Grand Rapids-Kalmzoo-B.Crk Michigan 69,942

Great Falls Montana 8,046*

Green Bay-Appleton Wisconsin 52,161

Greensboro-H.Point-W.Salem North Carolina 109,342

Greenville-N.Bern-Washngtn North Carolina 44,373

Greenvll-Spart-Ashevll-And North Carolina 119,731

Greenwood-Greenville Mississippi 7,710

Harlingen-Wslco-Brnsvl-Mca Texas 60,652

Harrisburg-Lncstr-Leb-York Pennsylvania 63,932

Harrisonburg Virginia 12,457

Hattiesburg-Laurel Mississippi 11,843

Helena Montana 2,710

Honolulu Hawaii 14,564

Houston Texas 346,822

Huntsville-Decatur Alabama 39,020

Idaho Falls-Pocatello Idaho 2,812*

Indianapolis Indiana 90,546

Jackson Mississippi 42,066

Jackson Tennessee 11,935

Jacksonville Florida 104,838

Johnstown-Altoona Pennsylvania 20,218

Jonesboro Arkansas 5,980

Joplin-Pittsburg Missouri 16,230

Juneau Alaska 3,122

Kansas City Kansas/Missouri 110,572

Knoxville Tennessee 53,456

La Crosse-Eau Claire Wisconsin 24,288

Lafayette Indiana 3,327*

Lafayette Louisiana 26,848

Lake Charles Louisiana 7,231

Lansing Michigan 15,305

Laredo Texas 16,338

Las Vegas Nevada 62,697

Lima Ohio 1,694*

Lincoln & Hastings-Krny Nebraska 38,945

Little Rock-Pine Bluff Arkansas 35,806

Louisville Kentucky 8,897

Lubbock Texas 14,341

Macon Georgia 24,095

Madison Wisconsin 35,442

Marquette Michigan 9,763

Medford-Klamath Falls Oregon 14,768

Memphis Tennessee 66,838

Meridian Mississippi 4,400

Miami-Ft. Lauderdale Florida 643,911

Milwaukee Wisconsin 89,480

Minneapolis-St. Paul Minnesota 11,446

Minot-Bismarck-Dickinson North Dakota 12,100*

Missoula Montana 20,439

Mobile-Pensacola (Ft Walt) Alabama 67,056

Monroe-El Dorado Louisiana/Arkansas 22,114

Montgomery-Selma Alabama 20,585

Myrtle Beach-Florence Florida 42,224

Nashville Tennessee 105,784

New Orleans Louisiana 88,052

New York New York 228,538

Norfolk-Portsmth-Newpt News Virginia 84,623

North Platte Nebraska 1,757

Odessa-Midland Texas 13,796

Oklahoma City Oklahoma 73,593

Omaha Nebraska 39,699

Orlando-Daytona Bch-Melbrn Florida 329,684

Ottumwa-Kirksville Missouri 3,847

Paducah-Cape Girard-Harsbg Illinois/Kentucky/Missouri 22,324

Panama City Florida 22,595

Parkersburg West Virginia 3,061*

Peoria-Bloomington Illinois 14,097

Philadelphia Pennsylvania 291,175

Phoenix (Prescott) Arizona 144,196

Pittsburgh Pennsylvania 83,157

Portland Oregon 96,271

Portland-Auburn Maine 61,519

Presque Isle Maine 4,297

Quincy-Hannibal-Keokuk Illinois/Missouri/Iowa 7,770

Raleigh-Durham (Fayetvlle) North Carolina 165,645

Rapid City South Dakota 8,101

Reno Nevada 23,683

Richmond-Petersburg Virginia 80,503

Roanoke-Lynchburg Virginia 51,408

Rochestr-Mason City-Austin Minnesota/Iowa 1,415*

Rockford Illinois 13,536

Salisbury Maryland 7,189

Salt Lake City Utah 176,093

San Angelo Texas 5,057

San Antonio Texas 120,351

Savannah Georgia 48,549

Sherman-Ada Texas 9,971

Shreveport Louisiana 37,864

Sioux City Iowa 10,616

Sioux Falls(Mitchell) South Dakota 19,316

South Bend-Elkhart Indiana 25,125

Spokane Washington 1,318*

Springfield Missouri 56,449

St. Joseph Missouri 3,954*

St. Louis Missouri 134,934

Tallahassee-Thomasville Florida 28,131

Tampa-St. Pete (Sarasota) Florida 284,753

Terre Haute Indiana 10,091

Toledo Ohio 19,187

Topeka Kansas 12,677

Traverse City-Cadillac Michigan 26,304

Tri-Cities Tennessee 26,400

Tucson (Sierra Vista) Arizona 34,382

Tulsa Oklahoma 50,147

Tyler-Longview(Lfkn&Ncgd) Texas 25,115

Victoria Texas 2,383

Waco-Temple-Bryan Texas 28,627

Washington, DC (Hagerstown) 177,615

Wausau-Rhinelander Wisconsin 21,172

West Palm Beach-Ft. Pierce Florida 191,899

Wheeling-Steubenville Ohio 6,663

Wichita Falls & Lawton Texas 11,167

Wichita-Hutchinson Plus Kansas 39,120

Wilkes Barre-Scranton Pennsylvania 47,943

Wilmington Delaware 33,829

Yakima-Pasco-Rchlnd-Knnwck Oregon 1,853*

Youngstown Ohio 13,826

Yuma-El Centro Arizona 4,467

Zanesville Ohio 1,338

*Because there was a change of 11 or fewer enrollments between Week 12 and Week 13 and this data needed to be suppressed in the Week 12 snapshot, the growth in these markets is from Week 11 to Week 13.

Glossary

Plan Selections: The weekly and cumulative metrics provide a preliminary total of those who have submitted an application and selected a plan. Each week’s plan selections reflect the total number of plan selections for the week and cumulatively from the beginning of Open Enrollment to the end of the reporting period, net of any cancellations from a consumer or cancellations from an insurer during that time.

Because of further automation in communication with insurers, the number of net plan selections reported this year account for insurer-initiated plan cancellations that occur before the end of Open Enrollment for reasons such as non-payment of premiums. This change will result in a larger number of cancellations being accounted for during Open Enrollment than last year. Last year, these cancellations were reflected only in reports on effectuated enrollment after the end of Open Enrollment. As a result, there may also be a smaller difference this year between plan selections at the end of Open Enrollment and subsequent effectuated enrollment, although some difference will remain because plan cancellations related to non-payment of premium will frequently occur after the end of Open Enrollment.

Plan selections include those consumers who are automatically re-enrolled into their current plan or another plan with similar benefits, which occurs at the end of December.

To have their coverage effectuated, consumers generally need to pay their first month’s health plan premium. This release does not include totals for effectuated enrollments.

Basic Health Program: Under the Affordable Care Act, the Basic Health Program is a tool states can choose to use that provides alternative coverage to people with incomes below 200 percent of the federal poverty level, who would otherwise be eligible to buy Qualified Health Plans through their Marketplaces. Plans selected under the Basic Health Program are very similar to Marketplace coverage. It is health insurance that is bought through a state Marketplace, contains all ten categories of essential health benefits, and provides financial assistance to consumers.

Marketplace: Generally, references to the Health Insurance Marketplace in this report refer to 38 states that use the HealthCare.gov platform. The states using the HealthCare.gov platform are Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.

HealthCare.gov States: The 38 states that use the HealthCare.gov platform for the 2016 benefit year, including the Federally-facilitated Marketplace, State Partnership Marketplaces and State-based Marketplaces.

Local Markets: Cumulative plan selections for local markets are based on Designated Market Areas (DMAs) which are media markets. Some DMAs include one or more counties in a state that is not using the HealthCare.gov platform in 2016. Plan selections for those DMAs only include data for the portions of these areas that are using the HealthCare.gov platform, so the cumulative totals in the snapshot do not represent plan selections for the entire DMA.

Applications Submitted: This includes a consumer who is on a completed and submitted application or who, through the automatic re-enrollment process, which occurs at the end of December, had an application submitted to a Marketplace using the HealthCare.gov platform. If determined eligible for Marketplace coverage, a new consumer still needs to pick a health plan (i.e., plan selection) and pay their premium to get covered (i.e., effectuated enrollment). Because families can submit a single application, this figure tallies the total number of people on a submitted application (rather than the total number of submitted applications).

Call Center Volume: The total number of calls received by the Federally-facilitated Marketplace call center over the course of the week covered by the snapshot or from the start of Open Enrollment. Calls with Spanish speaking representatives are not included.

Calls with Spanish Speaking Representative: The total number of calls received by the Federally-facilitated Marketplace call center where consumers chose to speak with a Spanish-speaking representative. These calls are not included within the Call Center Volume metric.

Average Call Center Wait Time: The average amount of time a consumer waited before reaching a customer service representative. The cumulative total averages wait time over the course of the extended time period.

HealthCare.gov or CuidadodeSalud.gov Users: These user metrics total how many unique users viewed or interacted with HealthCare.gov or CuidadodeSalud.gov , respectively, over the course of a specific date range. For cumulative totals, a separate report is run for the entire Open Enrollment period to minimize users being counted more than once during that longer range of time and to provide a more accurate estimate of unique users. Depending on an individual’s browser settings and browsing habits, a visitor may be counted as a unique user more than once.

Window Shopping HealthCare.gov Users or CuidadoDeSalud.gov Users: These user metrics total how many unique users interacted with the window-shopping tool at HealthCare.gov or CuidadoDeSalud.gov, respectively, over the course of a specific date range. For cumulative totals, a separate report is run for the entire Open Enrollment period to minimize users being counted more than once during that longer range of time and to provide a more accurate estimate of unique users. Depending on an individual’s browser settings and browsing habits, a visitor may be counted as a unique user more than once. Users who window-shopped are also included in the total HealthCare.gov or CuidadoDeSalud.gov

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