Health Insurance Marketplace 2015 Open Enrollment Period: January Enrollment Report. Characteristics of 2015 Marketplace Plan Selections Compared to Similar Months of 2014

01/29/2015

Generally, the demographic characteristics of consumers selecting plans in comparable periods of 2014 and 2015 are similar with the exception of somewhat higher rates of young adults, silver plans and financial assistance in 2015. We caution that it is premature to evaluate the demographic characteristics of the 2015 enrollment experience at this time, as we expect that some of these characteristics may change by the end of the Open Enrollment Period. For example, there was a surge of young adults at the end of the 2014 Open Enrollment Period, such that 35 percent of enrollees were ages 0-34 by the end of the period (note that Table 2 shows 30 percent in the earlier months of the 2014 Open Enrollment Period). As noted in the 2014 summary enrollment report,7 the data on race and ethnicity should be interpreted with great caution since more than one-third of enrollees do not provide this data.

Table 2

Comparison of Selected Characteristics of
Marketplace Plan Selections in States Using the HealthCare.gov Platform
2014 Open Enrollment Period (2) (36 States) 2015 Open Enrollment Period (3) (37 States)
10-1-13 to 2-1-14 (4) 11-15-14 to 1-16-15
Total Number of Individuals Who Have Selected a Marketplace Plan (1) 1,939,588 7,156,691

Males who have selected a Marketplace plan (5)

44% 45%

Females who have selected a Marketplace plan (5)

56% 55%

0 to 34 year olds who have selected a Marketplace plan (5)

30% 35%

18 to 34 year olds who have selected a Marketplace plan (5)

25% 26%

Individuals who have selected a Silver Marketplace plan (5)

65% 70%

Individuals who have selected a Marketplace plan with Financial Assistance (5)

83% 87%

African-Americans who have selected a Marketplace plan (5)

14% 14%

Latinos who have selected a Marketplace plan (5)

7% 10%

Whites who have selected a Marketplace plan (5)

71% 66%

Individuals in ZIP Codes designated as Rural who have selected a Marketplace Plan (5)

N/A 18%

(1) Represents the cumulative number of unique individuals who have selected or been automatically reenrolled into a 2015 Marketplace medical plan for enrollment through the individual market Marketplaces (with or without the first premium payment having been received directly by the issuer). This is also known as pre-effectuated enrollment, because enrollment is not considered effectuated until the first premium payment is made, and this figure includes plan selections for which enrollment has not yet been effectuated. Individuals who have cancelled or terminated their Marketplace plans are not included in the total number of plan selections. These data also do not include: standalone dental plan selections; or individuals who may have selected a 2014 Marketplace plan during the reporting period, as a result of having been granted a Special Enrollment Period (SEP). See Appendix D for additional technical notes.
(2) During the 2014 Marketplace coverage year, there were a total of 36 states using the HealthCare.gov platform, including one state (Idaho) that switched from using the HealthCare.gov platform in 2014 to using its own Marketplace platform in 2015.
(3) During the 2015 Marketplace coverage year, there were a total of 37 states using the HealthCare.gov platform, including 35 states that are states that used the HealthCare.gov platform in both 2014 and 2015, and two states which are new to the HealthCare.gov platform in 2015 (Oregon and Nevada).
(4) The data for the early months of the 2014 Open Enrollment period are for 10-1-13 to 2-1-14. This corresponds with the reporting period for the January Monthly Enrollment Report for the 2014 Open Enrollment Period.
(5) Percentages shown in this table are based on the total number of active Marketplace plan selections for which the applicable data are available, excluding plan selections with unknown data for a given metric (e.g., age, gender, race/ethnicity, etc.) Additional information on the number of plan selections with missing data for each metric can be found in Appendix Table A1.
Source: Centers for Medicare & Medicaid Services, as of 1-26-15.


7 For more information about data on Marketplace plan selections for the 2014 coverage year, please see the Marketplace Summary Enrollment Report, which can be accessed at http://aspe.hhs.gov/health/reports/2014/MarketPlaceEnrollment/Apr2014/ib....

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