washington health benefit exchange€¦ · 22/07/2020 · subsidy study timeline may 21 cc session...
TRANSCRIPT
Washington Health Benefit Exchange
Cascade Care Workgroup - Subsidy Study
July 22nd, 2020
Today’s Objectives
▪ Status update
▪ Timeline
▪ Updated model
▪ Review of initial feedback
▪ Adjustments to model
▪ Wakely model demonstration
▪ Run-through of 3 scenarios
▪ Q&A
▪ Future refinement of model
▪ Funding
▪ Initial presentation of subsidy funding mechanisms
▪ Next Steps
Subsidy Study Timeline
May 21CC Session 1: Introduction, Background, Legislation, Timeline
June 24 CC Session 2: Review Initial Model
July 8 CC Session 2 feedback due.
July 17 Materials distributed for CC Session 3
July 22CC Session 3: Review Model Revisions [Discuss additional scenarios & initiate funding discussion]
July 31 CC Session 3 feedback due.Aug 20 Materials out for CC Session 4
Aug 26CC Session 4: Review Model Revisions [Confirm model/scenarios & review funding estimates]
Sept 4 CC Session 4 feedback due.
Sept 23CC Session 5: Review Initial Draft Report & Finalize Funding Approach
Oct 2 CC Session 5 feedback due
June 24 Meeting Recap
▪ Reviewed subsidy study design
▪ Reviewed initial Wakely model
▪ Discussed model assumptions
▪ Enhanced-APTC scenario
▪ Subsidies for subsidized population up to 400% FPL and non-subsidized between 401-500% FPL
▪ State income limit toggles
▪ Solicited input on initial model
▪ Thoughts on assumptions?
▪ Additional WA specific factors/data/inputs?
▪ Are outputs clear/transparent?
▪ Are additional outputs needed?
▪ Is model useful to inform policymakers?
Stakeholder Feedback
▪ Assumptions & Transparency
▪ General desire for more exposure to underlying formulas
▪ Concerns remained around model boundary limits
▪ Remaining questions regarding impact of COVID-19 on enrollment
▪ Interest in Demographic Data (age, race, ethnicity, gender, county)
▪ Interest in Additional Outputs
▪ Pre/Post-wrap uninsured rates
▪ Subsidy impact on renewal/disenrollment rates
▪ Impact of future market disruptions
▪ Tying subsidies to silver plans
▪ Summary tables displayed by county level
▪ Premium ranges by FPL-band
▪ Side-by-side comparison of multiple scenarios
▪ Total cost by FPL-band
5
Updates to Wakely Model
▪ Refinement of data
▪ Adjustments to uptake <139% and 400-500%
▪ Further review of OFM assumptions
▪ Refinement of Enhanced-APTC distribution model:
▪ Togglable COVID-19 impacts
▪ Togglable subsidy
▪ Full state-income limit subsidy for sub/non-sub
▪ Differential subsidy for non-subsidized
▪ Subsidy only for subsidized
▪ Addition of fixed-dollar PMPM subsidy
▪ Fixed-dollar subsidy for sub and/or non-sub populations
Wakely Model: Inputs Tab
Washington Health Benefits Exchange (WAHBE)
Premium Subsidy Analysis - DRAFT Subsidy Applied As:
Currently Unsubsidized Population Subsidy Includes:
Assumptions/Inputs UsedScenario Selected:
State Premium Subsidy - State Income Limit INPUT Key Adjustments Live Assumption Best Estimate Low Range High Range Notes/Sources:
Percent of FPL Range Income as Percent of FPL
Federal Income
Limit
State Income
Limit
Reduction in
federal income
limit Projection Year 2022 2022 2022 2022
Less than 139% 139% 2.06% 0.00% -2.1% Baseline (without premium subsidy) Projection
139% - 150% 150% 4.12% 2.00% -2.1% Enrollment Changes:
151% - 200% 200% 6.49% 3.50% -3.0% 2020-2021 Enrollment Changes:
201% - 250% 250% 8.29% 4.50% -3.8% Subsidized, On-Exchange 4% 4% -1% 10% Based on May 2020 Enrollment Projection
251% - 300% 300% 9.78% 6.00% -3.8% Unsubsidized, On-Exchange 0% 0% -10% 34% Based on May 2020 Enrollment Projection
301% - 400% 400% 9.78% 7.50% -2.3% Off-Exchange 0% 0% -10% 34% Assumed similar increase as unsubsidized, On-Exchange
401% - 500% 500% N/A 10.00% N/A 2021-Beyond: Annual Change
501% - 600% 600% N/A N/A N/A Subsidized, On-Exchange 4% 4% -1% 10% Based on May 2020 Enrollment Projection
Over 600% Over 600% N/A N/A N/A Unsubsidized, On-Exchange 0% 0% -10% 34% Based on May 2020 Enrollment Projection
Off-Exchange 0% 0% -10% 34% Assumed similar increase as unsubsidized, On-Exchange
Premium Changes:
State Premium Subsidy - Flat PMPM INPUT 2020-2021
Percent of FPL Range Income as Percent of FPL Subsidized PMPM
Unsubsidized
PMPM Gross Premium Change, On-Exchange 2% 2% 6% -2%
Based on May 2020 Enrollment Projection, Best Estimate based on average
premium decrease of 1.8%, adjusted for aging. Assumed lower premium increase
would be associated with higher enrollment estimates
Less than 139% 139% $50 $50 Net Premium Change, On-Exchange, Subsidized 2% 2% 4% 0% Based on average change in FPL used to determine premium limit
139% - 150% 150% $50 $50 Gross Premium Change, Off-Exchange 2% 2% 6% -2% Assume similar to on-Exchange
151% - 200% 200% $50 $50 2021-Beyond: Annual Change
201% - 250% 250% $50 $50 Gross Premium Change, On-Exchange 6% 6% 10% 0% Based on May 2020 Enrollment Projection
251% - 300% 300% $50 $50 Net Premium Change, On-Exchange, Subsidized 2% 2% 4% 0% Based on average change in FPL used to determine premium limit
301% - 400% 400% $50 $50 Gross Premium Change, Off-Exchange 6% 6% 10% 0% Assume similar to on-Exchange
401% - 500% 500% $50 $50 Change in Number Uninsured:
501% - 600% 600% $50 $50 2020-2021 0% 0% 1% -1%
COVID-19 Impact Analysis, https://www.healthmanagement.com/wp-
content/uploads/HMA-Estimates-of-COVID-Impact-on-Coverage-public-version-for-
April-3-830-CT.pdf
Over 600% Over 600% $50 $50 2021-Beyond 0% 0% 1% -1%
Impact of COVID-19 on 2022 Estimates (INCLUDE?) Yes
Enrollment Changes:
Subsidized, On-Exchange 1% 1% -15% 37%
Unsubsidized, On-Exchange 8% 8% 2% 16%
Off-Exchange 8% 8% 2% 16%
Change in Number Uninsured:
2022 with COVID-19 relative to Baseline 12% 12% 48% -2%
State Income Limit
Difference between Federal and State Subsidy
Best Estimate
Wakely Model: Results Tab
Premium Subsidy Analysis - DRAFT
Historical Market Experience and 2022 Baseline Before State Premium Subsidy 2022 Baseline 2019 2020 2022 2020/2019 2022 / 2020
Enrollment
On Exchange Sub 120,511 116,169 128,116 -3.6% 10.3%
On Exchange UnSub 71,318 73,097 78,507 2.5% 7.4%
Off Exchange 37,885 37,885 40,689 0.0% 7.4%
Total 229,714 227,151 247,312 -1.1% 8.9%
% Subsidized 52.5% 51.1% 51.8%
Premiums PMPM
Gross $563 $533 $576 -5.4% 8.0%
Net $294 $322 $342 9.5% 6.2%
2022 Baseline Summary - Before State Premium Subsidy 2022 Summary - After State Premium Subsidy Difference - Before/After State Premium Subsidy
2022 Baseline Enrollment
% Enrollment
with Subsidies
Gross
Premiums
PMPM
Net
Premiums
PMPM
Total Federal
Subsidies ($)
Total State
Subsidies ($)
2022 With State
Subsidies Total Enrollment
% Enrollment with
Federal or State
Subsidies
Gross
Premiums
PMPM
Net Premiums
PMPM
Total Federal
Subsidies ($)
Total State
Subsidies ($) Change Enrollment
% Enrollment with
Subsidies
Gross
Premiums
PMPM
Net Premiums
PMPM
Total Federal
Subsidies ($)
Total State
Subsidies ($)
On Exchange On Exchange On Exchange
Less Than 139% 13,039 93.6% $593 $55 $84,215,459 $0 Less Than 139% 15,420 100.0% $587 $36 $98,572,580 $3,406,671 Less Than 139% 18% 7% -1% -35% 17% 0%
139-150% 14,481 96.6% $607 $94 $89,143,479 $0 139-150% 14,523 100.0% $601 $64 $88,346,677 $5,154,059 139-150% 0% 4% -1% -31% -1% 0%
151-200% 42,153 95.2% $588 $131 $231,226,401 $0 151-200% 43,253 100.0% $582 $90 $232,604,076 $22,696,159 151-200% 3% 5% -1% -31% 1% 0%
201-250% 27,493 91.8% $594 $194 $131,790,841 $0 201-250% 28,900 100.0% $585 $125 $133,951,696 $25,778,293 201-250% 5% 9% -1% -36% 2% 0%
251-300% 18,466 84.9% $593 $262 $73,195,984 $0 251-300% 19,064 100.0% $585 $164 $73,290,527 $22,925,500 251-300% 3% 18% -1% -38% 0% 0%
301-400% 25,805 75.7% $556 $300 $79,276,956 $0 301-400% 28,034 100.0% $549 $208 $83,572,361 $31,110,599 301-400% 9% 32% -1% -31% 5% 0%
401-500% 8,987 0.5% $503 $502 $187,883 $0 401-500% 11,663 100.0% $511 $388 $184,918 $17,008,079 401-500% 30% 21925% 2% -23% -2% 0%
501-600% 4,500 0.2% $522 $521 $16,539 $0 501-600% 4,500 0.2% $517 $516 $16,075 $0 501-600% 0% 0% -1% -1% -3% 0%
Over 600% 51,697 2.5% $550 $541 $5,665,089 $0 Over 600% 51,697 2.5% $545 $536 $5,587,049 $0 Over 600% 0% 0% -1% -1% -1% 0%
Off Exchange 40,689 0.0% $592 $592 $0 $0 Off Exchange 39,525 0.0% $586 $586 $0 $0 Off Exchange -3% 0% -1% -1% 0% 0%
Total 247,312 51.8% $576 $342 $694,718,632 $0 Total 256,580 63.2% $569 $295 $716,125,958 $128,079,359 Total 4% 22% -1% -14% 3% 0%
2022 Baseline Summary - Before State Premium Subsidy PMPMs 2022 Summary - After State Premium Subsidy PMPMs Difference - Before/After State Premium Subsidy PMPMs
2022 Baseline Enrollment
% Enrollment
with Subsidies
Gross
Premiums
PMPM
Net
Premiums
PMPM
Total Federal
Subsidies
PMPM
Total State
Subsidies PMPM
2022 With State
Subsidies Enrollment
% Enrollment with
Subsidies
Gross
Premiums
PMPM
Net Premiums
PMPM
Total Federal
Subsidies
PMPM
Total State
Subsidies
PMPM Change Enrollment
% Enrollment with
Subsidies
Gross
Premiums
PMPM
Net Premiums
PMPM
Total Federal
Subsidies PMPM
Total State
Subsidies
PMPM
On Exchange On Exchange On Exchange
Less Than 139% 13,039 93.6% $593 $55 $538 $0 Less Than 139% 15,420 100.0% $587 $36 $533 $18 Less Than 139% 18% 7% -1% -35% -1% 0%
139-150% 14,481 96.6% $607 $94 $513 $0 139-150% 14,523 100.0% $601 $64 $507 $30 139-150% 0% 4% -1% -31% -1% 0%
151-200% 42,153 95.2% $588 $131 $457 $0 151-200% 43,253 100.0% $582 $90 $448 $44 151-200% 3% 5% -1% -31% -2% 0%
201-250% 27,493 91.8% $594 $194 $399 $0 201-250% 28,900 100.0% $585 $125 $386 $74 201-250% 5% 9% -1% -36% -3% 0%
251-300% 18,466 84.9% $593 $262 $330 $0 251-300% 19,064 100.0% $585 $164 $320 $100 251-300% 3% 18% -1% -38% -3% 0%
301-400% 25,805 75.7% $556 $300 $256 $0 301-400% 28,034 100.0% $549 $208 $248 $92 301-400% 9% 32% -1% -31% -3% 0%
401-500% 8,987 0.5% $503 $502 $2 $0 401-500% 11,663 100.0% $511 $388 $1 $122 401-500% 30% 21925% 2% -23% -24% 0%
501-600% 4,500 0.2% $522 $521 $0 $0 501-600% 4,500 0.2% $517 $516 $0 $0 501-600% 0% 0% -1% -1% -3% 0%
Over 600% 51,697 2.5% $550 $541 $9 $0 Over 600% 51,697 2.5% $545 $536 $9 $0 Over 600% 0% 0% -1% -1% -1% 0%
Off Exchange 40,689 0.0% $592 $592 $0 $0 Off Exchange 39,525 0.0% $586 $586 $0 $0 Off Exchange -3% 0% -1% -1% 0% 0%
Total 247,312 51.8% $576 $342 $234 $0 Total 256,580 63.2% $569 $295 $233 $42 Total 4% 22% -1% -14% -1% 0%
Updated Wakely Model Demonstration
▪ Updated Enhanced APTC Model
▪ Subsidies for non-sub up to 500% FPL
▪ Toggles for application to unsubsidized population
▪ No subsidy
▪ Total federal & state subsidy
▪ Difference between federal and state subsidy
▪ Fixed-dollar PMPM Subsidy Model
▪ Subsidies for under 300% FPL
***Handing Over to Brittney Phillips with Wakely***
Future Refinement of Wakely Model
▪ Refinement of Wakely Model
▪ Addition of uninsured rate to results tab
▪ Addition of outputs by age / race / ethnicity / county
▪ Modelling tying subsidies to standard plans
▪ Review of subsidy levels and cost estimates within the 3 distribution methods to inform policy recommendations
Funding Goals & Challenges
▪ Goals
▪ Broad-based & sustainable funding source
▪ Funding level sufficient to achieve SB 5526 target
▪ Enabling individuals earning up to 500% FPL to spend no more than 10% of MAGI on premiums
▪ Challenges
▪ State budget constrained from COVID-19
▪ Competing priorities for spending any new revenue
▪ Avoiding assessments that add cost to unsubsidized consumer premiums
Initial Funding Review
▪ Assessments on Fully-insured & Self-insured Health Insurance
▪ Covered Lives Assessments
▪ Claims Taxes
▪ Federal Health Insurance Provider Fee (HIT Tax)
▪ Assessments on Fully-insured Health Insurance
▪ Tax on Carrier Surplus
▪ Premium Taxes
▪ Assessments on Health Insurance & Providers
▪ Colorado Tax/Assessment (2020)
▪ Assessments on Employers
▪ Payroll Taxes
▪ Assessments on Individuals
▪ Individual Mandate Penalty
▪ Capital Gains Tax
Subsidy Study Funding Review
Assessment on
Insurance & Hospitals
WA Covered Lives
AssessmentPALs WSHIP Assessment WA Claims Tax
Federal Health
Insurance Tax (HIT)
WA Carrier Surplus
TaxWA Premium Tax
Colorado Tax /
Assessment
Mass. Employer
Fair-Share
Contribution
Mass. Employer
Medical Assistance
Contribution
Washington Paid
Family & Medical
Leave
Individual Mandate
PenaltyCapital Gains Tax
SB 6062 (2018) -
Cleveland
[HB 2355 - Cody ]
HB 2728 (2020) - Slatter RCW 48.41.090 HB 2901 (2020) - RiccelliSec. 9010 of PPACA, P.L.
111-148
HB 2679 (2020) -
Robinson
[SB 6451 - Frockt ]
HB 2821 (2020) - Cody SB 20-215 (2020) 956 CMR 11 (2007-2014)956 CMR 12 (2014-
Present)RCW 50A.10 SB 5840 (2019) - Cleveland
SB 5222 (2019) -
Hasegawa
Proposed Enacted Enacted Proposed Repealed, effective 2021 Proposed Proposed Enacted Repealed in 2014 Enacted Enacted Proposed Proposed
Entities
AssessedFully-insured Carriers & Third-
Party Administrators (TPA)
Fully-insured Carriers,
Employers that provide
insurance, & Self-funded
Multiple Employer Welfare
Agreements (MEWA)
Disability & Stop-loss insurers,
HCSCs, HMOs, & Self-funded
MEWAs
Fully-insured Carriers, TPAs, &
Employers offering self-funded
coverage
Fully-insured individual, small
group, and large group health
plans, Medicaid managed
care, Medicare Part D, and
Medicare Advantage
Fully-insured Carriers
Fully-insured Carriers &
Managed Care Organizations
(MCO)
Fully-insured Carriers &
Hospitals
Employers w/ 11 or more FTEs
that does not make a fair-
share contribution to
employee premiums
All employers w/ 6 or more
employeesEmployers & Employees
Uninsured Washington
Residents
Washington Residents earning
capital gains
Type of
AssessmentAssessment on covered lives Assessment on covered lives Assessment on covered lives Claims Tax
Fee on health insurance
premiums
Non-profit Carriers = Fee on
excessive surplus For-
profit Carriers = Tax on
depreciation deductibles
Premium Tax
Carrier Fee = percentage of
annual premiums Hospital
Assessment = annual $20
million
Employer Assessment Employer AssessmentEmployer & Employee Payroll
PremiumsIndividual Mandate Penalty Capital Gains Tax
Tax / Fee %
Assessment on entity's
covered lives as a fraction of
total covered lives in WA,
necessary to equal $200
million total (estimated at $5
pmpm)
Assessment on entity's
covered lives as a fraction of
total covered lives in WA,
necessary to equal program
expenses
Assessment on entity's
covered lives as a fraction of
total covered lives in WA,
necessary to equal program
expenses (estimated at $0.68
pmpm - 2019)
1% on all paid claims
Fee on 50% of net premiums
between $25 and $50 million
and 100% on net premiums
above $50 million (~2.2% of
premiums). Based on insurer's
market share.
Non-profit Carriers = Payment
of 3% of all Surplus above
600% RBC For-profit
Carriers = 3% tax of all
depreciation deductibles
2.2% (2021) & 1.5% (2022-on)
Non-profit carriers = 1.15% of
annual premiums For-
profit carriers = 2.1% of annual
premiums Hospital
Assessment = $20 million
$295 or the sum of a Fair
Share Employer Contribution
and the Per Employee Cost of
Unsreimbursed Physician Care
(whichever was less)
0.36% of all wages up to the
Massachusetts unemployment
insurance taxable wage base
(~$50 per employee per year
in 2014)
2019-20 total premium rate of
0.4% of wages, with review for
annual adjustments beginning in
2021. ~1/3
paid by employers & ~2/3 paid
by employee
2.5% of an individual's annual
income or $695, whichever is
greater, capped at the avg
bronze premium in WA
8.5% of the inidivudal's
Washington capital gains
Dedicated Uses Reinsurance
Partnersnhip Access Line &
Psychiatry Consulation Line @
UW (to fund non-Medicaid
portion of calls)
WSHIP Program
Administration
Premium assistance for
individuals w/ income btwn
133-500% FPL, enrolled in a
QHP
Federal Advance Premiunce
Tax Credits
Subsidies for unsubsidized &
Foundational Public Health
Low-income health insurance
programs
Reinsurance / Subsidies for
subsidized population /
Subsidies for unsubisizided
population
In par t - Subsidized low
monthly-premium insurance
through ConnectorCare
program
In part - Subsidized low
monthly-premium insurance
through ConnectorCare
program
Paid Family & Medical Leave
Admin of penalty / outreach to
uninsured / activities to increase
availability of health insurance
or affordability of premiums
Funding for a Universal Health
Care trust program
State Revenue$200 million (yr 1) & ~$160
million (yr 2-on)Indeterminate $28 million (2019)
Indeterminate - Mechanism to
track claims or assess
TPAs/Employers
-
~$57 million /yr in excess
surplus [although true
amounts unknown ] Tax
amounts = unkown
$291 million (2021) & $199
million (2022-on)
$54.9 million (2021) / $104.4
million (2022) / $109.7 million
(2023)
- -
Employer Contribution = ~$213
million / yr
Employee contribution = ~$367
million / yr
Indeterminate - Commonwealth
fund estimated a potential for
$165 million in revenue based on
2019 data
~$1.3 billion annually
Federal Revenue $40 million /yr - - - $15.5 billion (2020) -
$97.4 million (2021) & $66
million (2022-on), used to
offset taxes on MCOs
~$88 (2021) - $175 (2023)
million- - -
None proposed, but 1332
possibility given reduction in
premiums
-
Expenditures $200 million / yrIndeterminate ($510,000 in
2020)$29 million (2019) - - -
(Offsets to
PEBB/SEBB/Medicaid costs)
$182.4 million (2021) up to
$314.8 million (2023)- - - - -
Administrative
Costs
Differs annually,
between$120,000 to $400,000
- OIC
$294,000 /yr$1.9 million (2019)… = 4.8% of
total expenses- - $109,000 - OIC - $2.8-$4.2 million - - - - -
Other NotesRequired establishment of a
TPA registration program &
federal 1332 waiver
- -
Premium assistance is set on a
sliding scale by HCA and must
be applied-for
-
Concerns expressed around
getting to a dollar-figure
based on RBC. May need to
adjust assessment calculation.
HCA has questions around
whether the FMAP/dedicated
use of funds align with CMS
policies.
Federal match based on 1332
waiver- - -
Commonwealth Fund projects a
15% reduction in premiums
(based on 2019 data)
-
Other
State/Federal
Activity
Federal - Transitional
Reinsurance Covered Lives
Assessment (2014-2016)
- -Vermont - Health Care Claims
Tax (32 V.S.A. 243)- -
Washington - Insurer Premium
Tax(RCW 48.14.020) Vermont -
Insurance Premiums Tax (32
V.S.A. 211)
- - -Oregon - PFML Payroll Tax (HB
2005 (2019))
Federal - ACA Individual
Mandate (2014-2018)-
CASCADE CARE - SUBSIDY STUDY - FUNDING MODEL REVIEW
Assessments on Fully-insured & Self-funded Insurance Assessments on Fully-insured Insurance Assessment on Employers Assessment on Individuals
This chart is provided in accordance with HBE's work "to develop a plan to implement and fund premium subsidies" pursuant to ESSB 5526 (2019). The chart provides an overview of assessments, fees, premiums, and taxes that have been proposed or enacted in Washington, in other states, or at the federal level.
*The level of assessment, revenues, and expenditures are provided for illustrative purposes where available, and are not meant to constrain the modelling of a state subsidy funding mechanism. This chart is not intended to be an exhaustive list of all funding options available to policymakers. *
https://www.wahbexchange.org/wp-content/uploads/2020/07/Subsidy-Study-Funding-Model-Review.pdf
Stakeholder Considerations
▪ Model Review
▪ Are there any remaining concerns around model assumptions?
▪ Are the model toggles easy to understand and utilize?
▪ Are there any specific enhanced-APTC, U-curve, or fixed-dollar PMPM subsidy levels HBE should review? (i.e. specific income limits or dollar amounts)
▪ Funding Review
▪ Are there additional types of funding HBE should consider in its research?
▪ Are there other state/federal examples for funding HBE should research?
▪ What funding sources are of greatest interest to you? Why?
Next Steps
▪ Refining model
▪ Analyzing additional outputs
▪ Developing initial subsidy recommendations
▪ Additional financing analysis
▪ Begin cost-sharing reduction analysis
▪ Begin individual mandate study
Appendix
SB 5526 – Subsidy Study
NEW SECTION. Sec. 6. (1) The Washington health benefit exchange, in consultation with the health care authority and the insurance commissioner, must develop a plan to implement and fund premium subsidies for individuals whose modified adjusted gross incomes are less than five hundred percent of the federal poverty level and who are purchasing individual market coverage on the exchange. The goal of the plan is to enable participating individuals to spend no more than ten percent of their modified adjusted gross incomes on premiums. The plan must also include an assessment of providing cost-sharing reductions to plan participants and must assess the impact of premium subsidies on the uninsured rate.
(2) The Washington health benefit exchange must submit the plan, along with proposed implementing legislation, to the appropriate committees of the legislature by November 15, 2020.
(3) This section expires January 1, 2021.
Individual Market Assessment
ESSB 6168 – Sec 214
(10) $100,000 of the general fund—state appropriation for fiscal 5 2021 is provided solely for the exchange to contract with an independent actuarial consultant to conduct an assessment of the impact of a state requirement that individuals enroll in health coverage. The assessment shall consider the effects of this requirement on revenue, individual market enrollment, individual market premiums, and the uninsured rate. The exchange shall submit assessment findings to the chairs of the health committees of the legislature no later than December 15, 2020.
Updated Information & Resources Available https://www.wahbexchange.org/about-the-exchange/cascade-care-2021-implementation/
Subsidy Study Materials• Workgroup Meeting Materials• Stakeholder Feedback• Research and Data • Financing Information • Wakely Report
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