Health Plan Choice and Premiums in the 2015 Health Insurance Marketplace. Data

12/04/2014

The plan and premium data reported here are from the Marketplace QHP landscape individual market medical files, which are publicly available at HealthCare.gov.12 Data were not available for all states. This analysis considers the 35 states which were included in both the 2014 and 2015 Marketplace landscape files: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.

 For most State-based Marketplaces (SBMs), comprehensive plan and premium data were not available for both 2014 and 2015. The State-based Marketplaces not included in the analysis in this brief are California, Colorado, Connecticut, District of Columbia, Hawaii, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, Oregon, Nevada, New York, Rhode Island, Vermont, and Washington. Some State-based Marketplaces submit plan data to the Center for Consumer Information and Insurance Oversight (CCIIO) for display using Federal web architecture. New Mexico’s SBM utilized the FFM platform to support its eligibility and enrollment functions in 2014, will continue to do so in 2015, and is included in this analysis in this brief. Oregon and Nevada did not rely on the FFM platform in 2014 but will in 2015; Idaho relied on the FFM platform in 2014, but will not in 2015.

The analysis in this brief does not include stand-alone dental plans, child-only plans, or small-group Marketplace plans. In our estimates of Marketplace premiums, we also did not consider catastrophic plans, Virginia morbid obesity plans, and their enrollees. Catastrophic coverage is not available to all consumers.

Most of the increase in number of plans available to consumers for 2015 is due to newly available plans on the Marketplaces. However, a small proportion of the increase in plan offerings is due to returning issuers breaking 2014 plans into two or more plans for 2015 because of changes in the Marketplace rules governing premium rates.

Enrollment information is based on active QHP selections in the CMS Multidimensional Insurance Data Analytics System (MIDAS) as of May 12, 2014. In this brief, we use the term “enrollees” to refer to individuals with active Marketplace individual market health plan selections; it does not refer to “effectuated enrollees”—individuals who selected and paid the premium. Additionally, we exclude tobacco users and morbid obesity plan enrollees from our calculations of average premiums because their premium rates may be higher than standard, non-tobacco rates. Our calculations of the savings from switching plans (Table 2) and premium tax credits (Table 3, 4, and 5) are based on only enrollees whom we were able to link to complete premium and plan data for both 2014 and 2015.


12 The Marketplace plan landscape files can be downloaded at: https://www.healthcare.gov/health-and-dental-plan-datasets-for-researche...

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