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Survival of the fittestOur not-too-distant past is decorated with artefacts buy cheap kamagra online. Strategies that became popular for perfectly tenable reasons, had a Warholian 15 min of (perfectly justified) fame and then, as new perspectives developed were consigned to the museums of (spectacles rose- tinted) folklore or (spectacles replaced by blinkers) closed chapters ‘we’d rather not discuss’. There is buy cheap kamagra online also, though, another, third, group.

Those practices that have evolved and improved as a result of a recognition of limitations and evolution. In geological terms at least, it wasn’t that long (mid 1980s) since I buy cheap kamagra online was a medical student when the roll call of popular interventions included the mist tent in croup. This involved creating a fog in which 1 year-old children became not only detached from their parents but distressed by their treatment in a polythene tent draped over their cot (figure 1).The mist tent for croup.

Gomez. Archives 1968." data-icon-position data-hide-link-title="0">Figure buy cheap kamagra online 1 The mist tent for croup. Gomez.

Archives 1968.Other practices in use at that time or shortly after included the use of the lateral neck X-ray in children with suspected epiglottitis, lumbar puncture in all children with a first febrile seizure under the age of 18 months (even if they were happily running around the ward and near impossible to catch) and routine intubation and saline lavage for all neonates with meconium staining to buy cheap kamagra online ‘cover the risk of aspiration’ – great for practice, likely of very limited benefit in terms of outcomes.We do our best, live, learn and adaptThis month’s examples are from group 3. Excellent in principle, have evolved, and, as a result, are here to stay in one form or anotherPaediatric emergency medicineThe rise, ‘saturation’ by and rethink of early warning scoresAfter a honeymoon period noticeable for its uncritical reception and (in many cases) lack of objective assessment, paediatric early warning scores (PEWS) proliferated exponentially to the point of submersion over a short period. There was a (although well-intentioned) degree of naivete in this unbounded parameter-driven enthusiasm.

The proliferation, of course, for all the excellent intentions, was part of buy cheap kamagra online the problem. There were simply too many in use and it was impossible to familiarise with more than a small proportion of them all. That, of course, was part of the buy cheap kamagra online problem.

We know now that human factors (inconsistency and interobserver variability) and insensitivities in the tools themselves (decompensation is often more subtle than measurable physiological deterioration) contribute to their imperfections. The largest of the red flags came in the form of the outstanding EPOCH study, a cluster multi-European centre RCT including 140 000 children in which the bedside PEWS was shown to buy cheap kamagra online have no effect on reducing mortality in the intervention limb children. There was though, a difference in time to detection of deterioration and the focus has moved to this area in tool development.

We should, therefore applaud, the initiative by the RCPCH, NHS England and NHS improvement described by Damian Roland and Simon Kenny to standardise the system, derive and use only a single score. The advantages are buy cheap kamagra online obvious. Consistency.

Simplification of communicating trends between observers and hospitals to buy cheap kamagra online transcription errors possible when several scores are in circulation. There may not be an immediate reduction in mortality, but the advantages in everyone speaking the same language are clear. See page 648Fetal alcohol syndromeHere’s a paradox.

For an issue as pervasive as fetal alcohol exposure and a phenotype as common as buy cheap kamagra online FAS, we know very little indeed about the epidemiology. First recognised in the early 1970s when the classic (phium, upturned nose, epicanthus, palpebral fissure combination) phenotype was described. Prevalence estimates buy cheap kamagra online are complicated by the small number (likely less than 10%) of children showing these signs, the rest of the iceberg manifesting much less specific neurobehavioural signs.

Add to this the sensitivities around exposure information, making a social services decision based on uncertain data, issues around screening antenatally (there are biomarkers available) and the low yield in genetic work up series and the ways forward, other than primary prevention, become muddied. Read both Raja Mukerjhee’s review and Zena Lam’s series and make your own minds up whether FAS should fall buy cheap kamagra online into the (until recently) neglected disease bracket. See pages 653 and 636Fever hospitalsWe all know about the cyclical nature of history, but the timing of Philip Mortimer’s ‘Voices’ paper about the London fever hospitals is uncannily good with respect to recent events and policy indecisiveness.

The underpinning philosophy behind the hospitals was admirable. In Victorian England, beyond a degree of responsibility from poor law unions, there was effectively no central accountability for provision buy cheap kamagra online of care for febrile children from families of limited means. This era was the heyday of, among others, typhoid, scarlet fever, diphtheria and smallpox.

With no viable alternatives, in 1867, Parliament took hold of the issue by the buy cheap kamagra online great philanthropophic leap of creating the ‘Medical Asylum Board’ whose main remit became the establishment of specific fever centres. After several decades in well-deserved limelight, the hospitals fell out of favour as much with parents as policy makers, the result of a combination of a change in infectious disease epidemiology, the recognition of the psychological harm to children that the prolonged spells in isolation could have and a creeping malaise around the risk of intra-hospital exposure. Darwin, aboard the Beagle, would no doubt have smiled wryly… See page 724Ethics statementsPatient consent for publicationNot required.Charging those with uncertain immigration status for NHS services was introduced as part of Theresa May’s ‘hostile environment’.

Non-payment of bills can result in being reported to the Home Office and used as a reason for not buy cheap kamagra online being granted settled status. This system remains in place during the erectile dysfunction treatment kamagra, actively discouraging healthcare seeking through the threat of immigration enforcement. Of around 618 000 people living in the UK but without the documentation to prove a regular immigration status, buy cheap kamagra online it is estimated that 144 000 are children,1 half having been born here.

The legislation over charging introduced by the government under the spurious pretext of targeting ‘health tourism’ represented an unprecedented departure from the founding principles of the NHS and, among other adverse effects, has a negative impact on child health.2On a global scale, the numbers of people forcibly displaced from their homes because of conflict, persecution, natural disasters and famine reached 68.5 million by the end for 2017 and continues to rise. Children make up over half the world’s refugees and, like other asylum seekers buy cheap kamagra online and undocumented migrants, they are exposed to multiple risk factors for poor physical and mental health throughout their migration experience.3 NHS charging regulations undermine the government’s stated commitments to child health, as well as obligations to children under the United Nations Convention on the Rights of the Child (Article 24). This states that governments recognise the right of the child to the enjoyment of the highest attainable standard of health and to facilities for the treatment of illness and rehabilitation of health and, furthermore, that they will strive to ensure that no child is deprived of his or her right of access to such healthcare services.

Charging also contradicts recommendations outlined in the UN Global Compact for Migration, signed by the UK in 2018.2A briefing paper from Medact (https://www.medact.org) written to support those campaigning against the hostile environment in the NHS argues that the health system functions as a foundation for societal well-being and a platform for the expression of ethical behaviour. The NHS was founded on buy cheap kamagra online the principle of treating everyone in the country regardless of status, wealth or origin. The idea that people can be either eligible or ineligible to access care contradicts the central reasoning behind collective provision in which pooling finances through general taxation shares risk and ensures equity in healthcare for all.4 This is brought into sharp focus by the current challenge set by erectile dysfunction.

While it buy cheap kamagra online has been argued that services for treatment of infectious diseases, including the tests required to diagnose them, are in fact exempt from charges, people do not present with a ‘diagnosis’ but with symptoms. This means that for many, fear of incurring charges is preventing them from seeking care for themselves or their children.5 As we move once again towards much needed contact tracing as a crucial element in disease containment (test, trace, isolate, support and integrate), it has been pointed out that for this to be viable, all sections of the community must be willing to be contacted by the NHS or public health staff. Unlike the UK, the Irish government has declared that all people—documented or undocumented—can now access healthcare and social services without fear.6 Undocumented migrants and asylum seekers in Portugal have been granted the same rights as residents, including access to medical care, and in South Korea, they can be tested without risk of deportation.6 Sadly, the UK stubbornly resists change to a policy that is both discriminatory and dangerous at a public health level.Long before the erectile dysfunction treatment kamagra, the Faculty of Public Health (FPH) had raised concerns about the potential for underdiagnosis and undertreatment of infectious diseases arising from the charging policy.7 Medact called on care providers to undertake detailed research into the impact of both charging and identity checks on patients’ health and on a hospital’s ability to meet its equality duty, and other legal obligations, including professional duties of care that staff have towards their patients.

It also called on the Department of Health and Social Care (DHSC) to buy cheap kamagra online commission a full independent inquiry into the impact of the regulations, and to publish their own internal review of the 2017 charging. Unfortunately, these demands have not been met.Members of Medact, in conjunction with paediatrician colleagues, have themselves recently published a revealing investigation into attitudes towards and understanding of UK healthcare charging among members of the Royal College of Paediatrics and Child Health (RCPCH).8 From 200 responses by healthcare staff, it was evident that there was a lack of understanding of current NHS charging regulations and their intended application, with 94% saying they were not confident about which health conditions are exempt from charging regulations and one-third reporting examples of how the charging regulations have negatively impacted on patient care. The survey identified 18 cases of buy cheap kamagra online migrants being deterred from accessing healthcare, 11 cases of healthcare being delayed or denied outright, and 12 cases of delay in accessing care leading to worse health outcomes, including two intrauterine deaths.

The authors of the study concluded that NHS charging regulations are having direct and indirect impacts on migrant children and pregnant women, with evidence of a broad range of harms. Additionally, they are unworkable and are having a detrimental impact on the wider health system, as well as conflicting with the professional and ethical responsibilities of staff.8In 2018, the RCPCH joined with the Royal College of Physicians, the Royal College of Obstetricians and Gynaecologists and the FPH to call on the DHSC to suspend charging regulations pending a full independent review of their impact on individual and public health.9 The RCPCH has reiterated its opposition to charging.10 On a broader front, the Institute of Race Relations has publicised how the appallingly overcrowded and unhygienic housing offered to some asylum seekers and their young children is putting them at increased risk of erectile dysfunction treatment .11 Sixty cross-party MPs have now written to the health secretary, Matt Hancock, calling for the suspension of charging for migrants and all associated data-sharing and immigration checks, which they say are undermining the government’s efforts to respond to the kamagra.12 We should all reiterate this call and insist that these demands are implemented with immediate effect..

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In this kamagra side effects high blood pressure edition Welcome back to The Scoop!. Open enrollment for individual (non-group) health insurance kamagra side effects high blood pressure plans is just around the corner, and will be underway nationwide as of November 1. For those interested in open enrollment and individual-market coverage, there’s plenty of encouraging news this week regarding open enrollment extensions, new state enrollment platforms, the availability of plan browsing, and new insurers joining many states’ marketplaces.If you’ve got questions about open enrollment, check out our comprehensive 2021 Open Enrollment Guide, which addresses all aspects of the OEP that starts November 1. (And although this site is all about individual market health coverage, you can also check out our guide to the Medicare kamagra side effects high blood pressure open enrollment period – which starts today.)There’s a lot of news to cover.

Let’s get started!. Eleven state-run exchanges extend open enrollment periods for 2021 coverageAlthough open enrollment is kamagra side effects high blood pressure still a few weeks away, more than two-thirds of the fully state-run exchanges have already committed to extended open enrollment periods during which people can enroll in 2021 health coverage. Some of these are permanent extensions, while others only apply to the upcoming open enrollment period:Minnesota. November 1 to kamagra side effects high blood pressure December 22, 2020.Colorado.

November 1 to January 15, 2021Nevada. November 1, 2020, to January kamagra side effects high blood pressure 15, 2021.Pennsylvania. November 1, 2020, to January 15, 2021.Washington. November 1, 2020, to January 15, 2021.Massachusetts kamagra side effects high blood pressure.

November 1, 2020, to January 23, 2021.Rhode Island. November 1, kamagra side effects high blood pressure 2020, to January 23, 2021.California. November 1 to January 31, 2021.District of Columbia. November 1 to kamagra side effects high blood pressure January 31, 2021.New Jersey.

November 1, 2020, to January 31, 2021.New York. November 1, kamagra side effects high blood pressure 2020, to January 31, 2021.The other state-run exchanges are Connecticut, Idaho, Maryland, and Vermont. They all have the option to use the standard November 1 – December 15 enrollment window or issue an extension. And although they’ve currently all scheduled open enrollment to end on December 15, it’s possible that we could see additional extensions as the year goes on.Two states move to state-run exchange platforms this fallMost states in the kamagra side effects high blood pressure U.S.

Use the federally run HealthCare.gov platform for individual and family health coverage enrollment. But there were already 13 fully state-run exchange platforms as of this year, and two more have joined them for the upcoming open enrollment season and future plan years.Residents in Pennsylvania will use Pennie to sign up for coverage kamagra side effects high blood pressure this fall, and New Jersey residents will use GetCoveredNJ. (In previous years, residents in both states used HealthCare.gov.) Window shopping for 2021 health plans available in DC and eight statesIn states that use HealthCare.gov and most of the state-run exchanges, window shopping for 2021 coverage will be enabled by late October. But plan browsing is currently available kamagra side effects high blood pressure on some state-run exchange websites.

Residents in California, DC, Idaho, Maryland, Minnesota, Nevada, New Jersey, New York, and Vermont can already see the available plans and pricing for 2021. And in California, current enrollees can even renew their coverage now, without having to wait for the official start kamagra side effects high blood pressure of open enrollment.Mostly modest rate changes for 2021. Increases in some states, decreases in othersFor the last several months, we’ve been tracking proposed premiums for individual-market health insurance across the country. The rate kamagra side effects high blood pressure review process has been finalized and approved rate changes made public in many states.

As he does each year, Charles Gaba is tracking the proposed and approved rate changes in an at-a-glance spreadsheet. Thus far, the average approved rate change kamagra side effects high blood pressure stands at an increase of just under half a percent. Although that’s not yet a complete picture, it is indicative of a fourth consecutive year of fairly stable rates in the individual market, with prices in many areas of the country fairly similar in 2021 to what they were in 2018.We’ve got detailed overviews of numerous states’ approved rate changes for 2021, including some states where overall average rates are increasing. (See Florida, Idaho, Massachusetts, Nevada, New York, and Rhode Island) kamagra side effects high blood pressure In other state, overall average rates are actually decreasing.

(See Colorado, Delaware, Hawaii, Iowa, Maine, Maryland, and Washington.)For 2021, Pennsylvania and New Hampshire are joining a dozen other states that have reinsurance programs, and average premiums are expected to decrease kamagra side effects high blood pressure in both states as a result of the new reinsurance programs.Insurers join marketplaces or expand coverage areas in more than 20 statesIn many states across the country, new insurers are joining the exchanges for 2021, and existing insurers are expanding their coverage areas within the states where they offer coverage. We’re seeing this in numerous states, including Arkansas, California, Colorado, Florida, Illinois, Idaho, Indiana, Iowa, Maryland, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, Tennessee, Texas, Utah, Virginia, and Washington.There are a few states where existing insurers will no longer offer plans in the marketplace after 2020. New Mexico Health Connections will shut down at the end of 2020, Virginia Premier is leaving the individual market, and Highmark Choice Company is leaving Pennsylvania’s market (but several other Highmark affiliates will remain, and Highmark Choice Company had very low enrollment).But overall, the trend is overwhelmingly towards increasing insurer participation kamagra side effects high blood pressure and expanding coverage areas. This is the same trend we saw for 2019 and 2020.

And it’s a reversal of the trend we saw in 2017 and 2018, when insurers were fleeing the exchanges and the individual market.Wisconsin asks Trump administration to extend open enrollmentLate last month, numerous Wisconsin stakeholders — including the kamagra side effects high blood pressure insurance commissioner, the Department of Health Services, numerous health insurance companies, and consumer advocates — sent a letter to the Trump administration, asking for an extension of the upcoming open enrollment period through the end of January, instead of having it end on December 15.Wisconsin uses the federally run marketplace (HealthCare.gov), so the state does not have the option of extending open enrollment itself, the way several of the state-based exchanges have done. The letter points out how an extended open enrollment period would give the state more time to help people affected by the kamagra who need to select an individual market health plan for 2021.An extension would also give those individuals – many of whom are not accustomed to buying their own health insurance – more time to carefully consider their options. The letter concludes by pointedly noting that along with those practical benefits, “an extension would signal that the federal government understands the plight of the newly uninsured, values their welfare and is prepared to do all in its power to protect our health system and economy.”Nearly two years after voters kamagra side effects high blood pressure approved it, Medicaid expansion is in effect in NebraskaIn November 2018, voters in Nebraska approved a Medicaid expansion ballot measure. After an implementation process that lasted nearly two years, Medicaid expansion took effect this month in Nebraska.

Nebraska residents were able to start enrolling in expanded Medicaid in August, but enrollment will continue year-round for eligible residents.Now that Nebraska has expanded coverage, there are kamagra side effects high blood pressure only 14 states that still have not accepted federal funding to expand Medicaid, and two of them (Oklahoma and Missouri) will expand coverage by mid-2021 under the terms of ballot measures approved by voters this past summer.CMS report. Unsubsidized individual market enrollment declined 45% from 2016 to 2019The Centers for Medicare and Medicaid Services published a new enrollment trends report last week, with data updated to include the 2019 plan year. The CMS totals are based on risk adjustment data, but they do not include enrollments in Massachusetts and Vermont, since both states have merged individual and small group markets for risk adjustment.Enrollment in the health insurance marketplaces/exchanges has remained fairly steady over the last few years, kamagra side effects high blood pressure due mainly to the premium subsidies that keep coverage affordable for most exchange enrollees. But enrollment has declined sharply among people who don’t receive premium subsidies – which includes everyone who enrolls outside the exchange, as well as about 15 percent of on-exchange enrollees.

Across 48 states and Washington, DC, total unsubsidized enrollment in ACA-compliant individual market plans has dropped from 6.3 kamagra side effects high blood pressure million in 2016 to 3.4 million in 2019.KFF employer survey. Average cost of family premiums now exceeds $21,000The Kaiser Family Foundation’s annual employer health insurance survey report was published last week. As usual, it contains a wealth of information about the current state of employer-sponsored health insurance kamagra side effects high blood pressure in the United States. Among the interesting data points:67 percent of employees with employer-sponsored health coverage are enrolled in self-insured health plans.

This is up from 61 percent last year (state health insurance regulations do kamagra side effects high blood pressure not apply to self-insured plans, as they are instead regulated at the federal level).The average cost of employer-sponsored family health coverage has grown to $21,342 in annual premiums this year, up from $20,576 last year. The uninsured rate continues to rise, and is rising particularly fast among childrenLast month, the U.S. Census Bureau published its annual health insurance report, with data about health coverage during 2019 kamagra side effects high blood pressure. About 8 percent of the population had no health coverage at all during 2019, and about 9.2 percent had no health coverage at the time they were surveyed.

This is an increase from 8.9 percent in 2018, but it’s also the continuation of a steady upward trend in the uninsured rate since the Trump administration took kamagra side effects high blood pressure office. It had been 8.7 percent in 2017 and 8.6 percent in 2016. The uninsured rate is still well below where it kamagra side effects high blood pressure was prior to the ACA. 15.5 percent of the population was uninsured as of 2010.In addition to the continued increase in the overall uninsured rate in recent years, Georgetown University’s Health Policy Institute published a sobering report last week, indicating that the uninsured rate among children in the U.S.

Increased more kamagra side effects high blood pressure in 2019 than it had in any other year over the last decade. In 2016, just 4.7 percent of children in the U.S. Were uninsured, kamagra side effects high blood pressure which was a historic low. But by 2019, it had increased to 5.7 percent.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006.

She has written dozens of opinions and educational pieces about the Affordable Care Act kamagra side effects high blood pressure for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Minnesota marketplace highlights and updatesOpen enrollment for 2021 health plans. November 1, 2020 through kamagra side effects high blood pressure December 22, 2020. Residents with qualifying events can still enroll or make changes to their 2020 coverage.Insurers implementing kamagra side effects high blood pressure modest rate increases for 2021, after three straight years of average rate decreases.

Quartz has joined the exchange for 2021, bringing total number of insurers to five.117,520 people enrolled for 2020, a new record for MNsure.Insurer participation in MNsure. 2014 to 2021.Reinsurance program received federal approval, began kamagra side effects high blood pressure operation in 2018.With reinsurance, rates decreased for 2018 and again, even more significantly, for 2019. But reinsurance also reduced funding for MinnesotaCare.The elimination of CSR funding further reduced MinnesotaCare funding, but this has been partly restored by a court ruling.MN provided premium relief for non-subsidy-eligible enrollees for 2017 only.Governor vetoed a proposed 2019 switch to HealthCare.gov.MNsure’s small business exchange no longer has any participating insurers.Minnesota health exchange overviewMinnesota’s one of the states fighting the hardest to preserve the Affordable Care Act’s gains. See actions Minnesota has kamagra side effects high blood pressure taken.Minnesota’s state-run exchange, MNsure, has five participating insurers for 2021, up from four in 2020.

The exchange has more than 117,000 individual market enrollees as of 2020.As a result of the erectile dysfunction treatment kamagra, MNsure joined most of the other state-run exchanges in offering a special enrollment period during which people who were uninsured could enroll in a health plan. MNsure’s special enrollment period began March 23, and continued through April kamagra side effects high blood pressure 21. Nearly 9,500 Minnesota residents enrolled in private plans through MNsure during this window, as well as another 13,700 who enrolled in MinnesotaCare or Medicaid (enrollment in those programs is open year-round for eligible residents).Allison O’Toole, who led MNsure as CEO for three years, announced her resignation in March 2018, and the exchange named Nate Clark, the MNsure COO, as acting CEO. A few months later, the kamagra side effects high blood pressure MNsure board named Clark as the permanent CEO.

O’Toole left MNsure to work as director of state affairs for United States of Care, a non-profit created by Andy Slavitt, who was the acting administrator of CMS under the Obama Administration.Throughout 2017, Minnesotans who bought their own health insurance (on or off-exchange) and weren’t eligible for ACA subsidies were provided with 25 percent premium rebates from the state as a result of S.F.1, signed into law by Governor Dayton in early 2017. The subsidies helped to offset the large premium increases that applied in Minnesota in 2017, kamagra side effects high blood pressure and helped to stabilize the individual health insurance market in 2017. But the premium rebate program expired at the end of 2017.Thanks in large part to the new reinsurance program that Minnesota created (details below), premiums decreased in Minnesota’s individual market in 2018, 2019, and again in 2020, although rates are increasing modestly for 2021. In May 2019, Minnesota leaders reached an agreement on a budget that included an extension of the reinsurance program through 2020 and 2021 (it has kamagra side effects high blood pressure already been granted federal approval through the end of 2022, but the state has to continue to cover its share of the cost.

Minnesota Governor Tim Walz had hoped to implement a premium subsidy program and a new tax credit in Minnesota starting in 2020. But a compromise in the budget ended up with the state opting to continue the existing reinsurance program for two more years instead.).But the waiver that provides federal pass-through funding for reinsurance also resulted in a sharp and unexpected decrease in federal funding for MinnesotaCare, the Basic Health Program that provides coverage for people with income between 138 percent and kamagra side effects high blood pressure 200 percent of the poverty level (between $16,642 and $24,120 for a single person).In addition, the elimination of federal funding for cost-sharing reductions (CSR) in October 2018 resulted in a funding cut for MinnesotaCare, since the program is funded in large part by federal funds that would otherwise have been used to pay for premium subsidies and cost-sharing reductions in the exchange for the population that is instead eligible for MinnesotaCare. After an ensuing legal battle, a judge ordered HHS to restore funding for MinnesotaCare, although a resolution of the situation is ongoing, and the amount that HHS agreed to pay was still less than MinnesotaCare would have received if CSR funding had continued.Open enrollment for 2021 health plans extended through December 22, 2020. Insurers implementing kamagra side effects high blood pressure modest rate increases for 2021, after three years of overall rate decreasesMNsure enabled window shopping for 2021 health plans as of October 12, 2020.

This gives residents a few weeks to browse the available plans before open enrollment starts on November 1, 2020. And MNsure has announced kamagra side effects high blood pressure that open enrollment will continue through December 22, 2020. That’s a week longer than the open enrollment period that will apply in states that use the federally-run exchange. The flexibility to extend open enrollment is often kamagra side effects high blood pressure cited as one of the benefits of having a fully state-run exchange.

(MNsure had a similar extension last December, for 2020 health plans).For 2021, Quartz is joining the Minnesota marketplace. Quartz currently offers plans in Illinois and Wisconsin, and is expanding into Minnesota for 2021 kamagra side effects high blood pressure. And two of the existing insurers — HealthPartners and UCare — are expanding their coverage areas for 2021 (BluePlus and Medica offer coverage statewide, and will continue to do so in 2021).The following average rate changes have been approved for MNsure’s insurers:Blue Plus. 4.21 percent kamagra side effects high blood pressure increase (down from an initially proposed 7.12 percent increase)Group Health/Health Partners (GHI).

0.67 percent increase (down from an initially proposed 4.15 percent increase)Medica. 2.42 percent increase (down kamagra side effects high blood pressure from an initially proposed 7.06 percent increase)UCare. 1.6 percent increase (up from an initially proposed 1.39 percent decrease)Quartz. New for 2021, so no applicable rate changePreferredOne Insurance Company, which offers plans outside the exchange, is increasing premiums by 1.05 percent (down from an kamagra side effects high blood pressure initially proposed average increase of 5.09 percent).

Rate changes in previous years2015. Average increase of 4.5 percent kamagra side effects high blood pressure. MNsure critics characterized the official announcement as misleading as it failed to take into account low-cost 2014 kamagra side effects high blood pressure plans from PreferredOne. Consumers who bought a PreferredOne plan through MNsure for 2014 could only renew their policies for 2015 by working directly with the insurer, since PreferredOne stopped offering plans in the exchange at the end of 2014.

However, PreferredOne rates went up an average of 63 percent, and consumers didn’t kamagra side effects high blood pressure qualify for subsidies if they shopped outside the exchange. 2016. Average increase of kamagra side effects high blood pressure 41.4 percent for the individual market, and about 38.5 for plans sold in MNsure (ie, not counting PreferredOne). Rates increased significantly in 2016 across the entire individual market in Minnesota — including plans sold through MNsure, the state-run exchange.Approved rates for 2016 were announced on October 1, 2015, ranging from about 15 percent for Medica to 49 percent for Blue Cross Blue Shield of Minnesota.

In general, kamagra side effects high blood pressure the carriers cited higher-than-expected claims costs over the past year, along with the impending phase-out of the ACA’s reinsurance program as justification for their 2016 rate requests. But Governor Mark Dayton called some of the higher proposed increases “outrageous,” and promised a rigorous review of the filed rate changes and justifications. Ultimately, regulators were able to limit the highest rate increases to 49 percent — as opposed to the 54 percent that had been requested by Blue Plus and BCBS of MN — but the final weighted average rate increase in the individual market in Minnesota still ended up being the highest kamagra side effects high blood pressure in the nation. But Minnesota still had the lowest overall premiums in the upper midwest (although Minnesota had the highest average rate increase in the country for 2016, they had the lowest overall rates in the country in 2014 and 2015).Minnesota Commerce Commissioner Mike Rothman called the rate increases “unacceptably high,” and Gov.

Dayton noted that he was kamagra side effects high blood pressure “extremely unhappy” with the rate changes. But Rothman noted that his office “objected to all of the rates across the board,” and “squeezed out everything we could that was not actuarial justified.” In other words, the final rates, although much higher than officials and policyholders would have liked, were justified based on medical claims costs — the population enrolled in individual health plans in Minnesota was sicker than expected, and drug costs had been particularly onerous.Only about 55 percent of people who had 2015 coverage through MNsure received premium subsidies. But due to kamagra side effects high blood pressure the sharp premium increases, that had increased to about 63 percent for the people who had purchased or renewed coverage as of June 2016.2017. When the Minnesota Department of Commerce announced health insurance rates for 2017 for the individual and small group markets, the rate hikes were somewhat reasonable in the small group market (ranging from a decrease of 1 percent to an increase of 17.8 percent), but the individual market was “experiencing serious disruptions in 2017” and “on the verge of collapse.” The four carriers that offered plans through MNsure had the following average rate increases in 2017:Blue Plus = 55 percentHealthPartners/Group Health (GHI) = 50 percent (HealthPartners is only offering plans in 10 of the 67 counties where they offered plans in 2016.

Their enrollment cap is 72,000 for 2017)Medica = 57.5 percent (enrollment cap is 50,000 for 2017)UCare kamagra side effects high blood pressure = 66.8 percent (UCare capped enrollment at 30,000 for 2017, but only had 16,000 enrollees in 2016)The enrollment caps that HealthPartners, Medica, and UCare employed for 2017 were approved as part of the rate review process, and are designed to protect carriers from further financial losses as they absorb BCBSMN’s enrollees who are shopping for new coverage during open enrollment.In a news release relating to the rate announcement for 2017, the Minnesota Department of Commerce didn’t mince words. They noted that the individual market in the state was on the brink of collapse, and that they did everything in their power to save the market. While they succeeded in keeping the state’s individual market viable for 2017, with only one carrier exiting (BCBSMN, although their HMO affiliate, Blue Plus, remained in the exchange), they reiterated very clearly that substantial reforms would be needed to keep the market stable in future years, and highlighted the fact that rates would be sharply higher and that carriers would kamagra side effects high blood pressure limit enrollment in 2017.2018. Final rates for 2018 were approved in October 2017 (comprehensive information about the approved rates is here), based on the Minnesota Premium Security Plan (MSPS) being implemented but cost-sharing reductions (CSR) not being funded by the federal government (the cost of CSRs was added to on-exchange Silver plans).

Average approved rate kamagra side effects high blood pressure changes for MNsure insurers ranged from a 13.3 percent decrease for UCare to a 2.8 percent increase for Blue Plus. Three of the four MNsure insurers decreased their average premiums for 2018.On September 21, MNsure had posted a notice indicating that if the reinsurance program were not approved, rates would be about 20 percent higher than they would otherwise be in 2018. Fortunately for Minnesota residents, the reinsurance program did receive federal approval, and average rates declined slightly for 2018.But some enrollees who don’t get ACA premium subsidies still experienced a rate kamagra side effects high blood pressure increase, due to the termination of the one-year, state-funded 25 percent premium rebates at the end of 2017.PreferredOne, which exited MNsure at the end of 2014 and only offers coverage in the off-exchange market, proposed dramatically lower rates for 2018. A 38 percent average decrease if MSPS were to be approved, and a 23 percent average decrease if not.

The 38 percent decrease was implemented, and kamagra side effects high blood pressure no adjustments were necessary to account for CSR funding, since PreferredOne does not offer plans in the exchange, and CSRs are only available on silver exchange plans.2019. Average premium decrease of 12.4 percent. Average premiums kamagra side effects high blood pressure dropped for all five insurers in the individual market in 2019. This was the second year in a row of declining rates in Minnesota, but Blue Plus had a small rate increase for 2018, so 2019 was the first year that all five insurers decreased their average rates.

Minnesota insurance regulators noted that rates in 2019 were about 20 percent lower than they would have been without the reinsurance program.But most of Minnesota’s insurers charged higher rates in 2019 than they would have if the individual mandate penalty hadn’t been eliminated, and if access to short-term plans and kamagra side effects high blood pressure association health plans hadn’t been expanded by the Trump administration. For example, UCare’s rate filing notes that while average rates were decreasing by about 10 percent, the rate decrease would have been nearly 15 percent if the individual mandate penalty had remained in place.At ACA Signups, Charles Gaba calculated a weighted average rate decrease of 12.4 percent for 2019 in Minnesota, but noted that the average decrease would have been nearly 19 percent without those changes at the federal level.2020. Average premium kamagra side effects high blood pressure decrease of 1 percent. Four of the five insurers (including PreferredOne, which only offers coverage off-exchange) in Minnesota’s individual market decreased their average premiums for 2020.

This was the third year in a row that average individual market premiums dropped in Minnesota’s individual market, due kamagra side effects high blood pressure in large part to the reinsurance program that the state has established.The following average rate changes were implemented for 2020:Blue Plus. 1.5 percent kamagra side effects high blood pressure decrease (Blue Plus had originally proposed a 4.8 percent increase)Group Health/Health Partners (GHI). 1.26 percent decrease (GHI had originally proposed a 2.1 percent increase)Medica. 1.01 percent decrease (Medica kamagra side effects high blood pressure had originally proposed an average decrease of 1.4 percent)UCare.

0.18 percent increase (UCare originally proposed a 0.3 percent increase)PreferredOne, which only offers off-exchange coverage, reduced their rates by an average of 20 percent, on the heels of an 11 percent decrease in 2019. MNsure enrollment exceeded 116k in 2018, dropped to 113k for 2019, but grew to more than 1117k in 2020From 2014 through 2018, enrollment in MNsure’s individual market plans increased kamagra side effects high blood pressure every year, reaching 116,358 people by 2018. That was the highest open enrollment total in MNsure’s history, despite the shorter enrollment period, which ended in mid-January instead of the end of January (open enrollment for 2018 coverage ended on December 15, 2017 in states that use HealthCare.gov, but MNsure opted to extend their enrollment window that year, and have also extended subsequent enrollment windows).Enrollment dropped for the first time in 2019, when 113,552 people enrolled in individual market plans through MNsure. In most states that use HealthCare.gov, enrollment peaked in 2016 and has been dropping kamagra side effects high blood pressure since then.

But MNsure’s drop-off in 2019, which amounted to only a 2.4 percent reduction in enrollment, is the only time year-over-year enrollment has declined. Notably, the ACA’s individual mandate penalty was eliminated as of 2019, and regulations that the Trump administration implemented in late 2018 now make it more feasible for healthy people to use short-term plans instead of ACA-compliant plans (Minnesota has its own rules for short-term plans, but they’re more relaxed than the Obama-era federal rules that applied in 2017 and most of 2018).And for 2020, enrollment grew again, reaching a record high of 117,520 enrollees.Here’s a look at the number of people who have signed kamagra side effects high blood pressure up for individual market plans through MNsure during each year’s open enrollment period. These numbers all represent total enrollment at the end of open enrollment. Effectuated enrollment is always lower, and MNsure provides periodic effectuated enrollment kamagra side effects high blood pressure data on their board meeting materials page.

Insurer participation in MNsure. 2014-20212014. Five insurers offered individual policies through MNsure for 2014. Blue Cross Blue Shield of Minnesota, HealthPartners/Group Health, Medica, PreferredOne, and UCare.

Kaiser Health News reported that Minnesota offered some of the lowest premiums for silver (mid-level) plans in the U.S. Four of Minnesota’s nine regions made Kaiser’s list of the 10 least expensive places to buy health insurance.2015. But PreferredOne, which offered the lowest rates in the nation in 2014 and captured a large portion of 2014 enrollees, withdrew from MNsure for 2015. PreferredOne said remaining on the exchange was “not administratively and financially sustainable.” A Star Tribune business writer attributed PreferredOne’s departure as a market dynamics issue rather than a problem with MNsure.However, Blue Plus (an affiliate of Blue Cross Blue Shield of MN, offering HMO plans) joined the exchange for 2015, so there were still five insurers offering plans for 2015.

Blue Cross Blue Shield of Minnesota, Blue Plus, Health Partners/Group Health, Medica, and UCare. MNsure offered 84 plans statewide, up from 78 for 2014.2016. BCBSMN, Blue Plus, Health Partners/Group Health, Medica, and UCare offered individual market plans through MNsure for 2016.2017. In an effort to recruit more carriers to offer plans through MNsure for 2017 — particularly outside the Twin Cities metro area — state regulators sent out a request for proposals from health insurers on August 15, 2016.

Regulators noted that insurers could propose waivers of regulations in order to make it feasible for them to offer coverage through MNsure, although any such waiver requests would have to be approved by regulators.Steven Parente, a health insurance expert at the University of Minnesota, called the state’s effort to recruit insurers to MNsure a “distress call” and noted that August 15 is awfully late in the year to be putting out a request for insurer participation, given that open enrollment begins November 1. And ultimately, no new insurers opted to join MNsure for 2017.Blue Cross Blue Shield of MN dropped their individual market PPO plans at the end of 2016 due to significant financial losses. That left Blue Plus (which offered HMOs and covered roughly 13,000 people in 2016 in the individual market) as the only BCBSMN affiliate in the exchange. Roughly 103,000 people had to select new plans during open enrollment.Most of those BCBSMN enrollees had off-exchange coverage, though.

There were only about 20,400 MNsure enrollees (a little more than one in five MNsure enrollees) with coverage under BCBSMN who needed to switch to another plan during open enrollment. BCBSMN had individual PPO options available in all 87 counties in Minnesota through MNsure in 2016, while the Blue Plus coverage area — comprised of four separate HMO networks — was available in 77 of the state’s counties.Nationwide, carriers have been shifting away from PPOs and towards HMOs and EPOs. In Colorado, Anthem Blue Cross Blue Shield also dropped their PPOs at the end of 2016. In Indiana, there were no PPOs available in the individual market by 2017.

Blue Cross Blue Shield of New Mexico dropped all of their individual market plans at the end of 2015 except one off-exchange HMO. Blue Cross Blue Shield of Texas dropped their individual market PPO plans at the end of 2015.The broad network offered by PPOs tends to be attractive to enrollees who have health problems. They’re often willing to pay higher premiums in trade for access to broad network of hospitals and specialists. But PPOs are expensive for carriers, as enrollees don’t need primary care referrals to see specialists, and it’s more challenging for carriers to hold down costs when there are more providers in the network.All of the MNsure carriers except Blue Plus are also limiting their total enrollment for 2017.

By November 11, 2016, less than two weeks into open enrollment for 2017 coverage, Medica had hit their 50,000 member enrollment cap for 2017 (including on and off-exchange enrollments, and also accounting for expected renewals of 2016 Medica plans), and their policies were no longer available in the individual market in Minnesota, on or off-exchange. The only exception was five counties (Benton, Crow Wing, Mille Lacs, Morrison, and Stearns) where Medica agreed not to limit enrollment, as all of the other available carriers in those counties have imposed enrollment caps too. In those five counties, Medica plans continued to be available.At that point, Medica’s market share in MNsure for 2017 stood at 34.2 percent. By December 14, Medica’s market share had dropped to 27.7 percent, as enrollments had continued to climb for the remaining carriers.On January 31, Medica re-opened enrollment for 2017.

This was because a smaller-than-expected number of 2016 Medica enrollees renewed their plans for 2017, meaning that the carrier still had some wiggle room under their 50,000 member cap. At that point, they had room for about 7,000 more enrollees. Medica plans were thus available throughout the duration of the special enrollment period that was added on at the end of open enrollment, and continue to be available for people with qualifying events.2018. Plans continued to be available from Blue Plus, Health Partners/Group Health (GHI), Medica, UCare.

In the months before a decision was reached regarding an extension of the open enrollment window for 2018 plans (the first year that the federal government imposed a shorter, month-and-a-half enrollment window), two of MNsure’s participating insurers had differing positions. UCare believed the exchange should add an additional two-week special enrollment period, while Medica did not want the exchange to have the option to extend the newly-scheduled six-week enrollment window. Notably, Medica capped their enrollment very early during the 2017 open enrollment period, and while UCare also had an enrollment cap, it was set with a target of nearly doubling their 2016 enrollment. But Medica is the only MNsure insurer that didn’t set an enrollment cap for 2018.As was the case for 2017, enrollment caps were used in the individual market in Minnesota for 2018 by all insurers other than Medica (Medica did have an enrollment cap for 2017, which they hit very early in open enrollment.

However, they resumed enrollments at the end of January 2017). Details about the insurers’ enrollment caps are in the plan binders in SERFF. For 2018, MNsure insurers implemented the following enrollment caps:Blue Plus. 55,000 member cap (aiming for a target of 50,000 effectuated enrollees, but effectuated enrollment is always lower than the number of people who initially enroll)Health Partners/Group Health (GHI).

73,400 member cap (aiming for a target of 70,000 effectuated enrollees)Medica. No enrollment capUCare. 35,000 member cap (aiming for a target of 30,000 effectuated enrollees)MNsure confirmed in May 2018 that none of their insurers had hit their enrollment caps for 2018.Outside the exchange, PreferredOne had an enrollment cap of 3,000 members, although their 2017 membership was only about 300 people.2019 and 2020. Blue Plus, Health Partners/Group Health, UCare, and Medica have continued to offer plans through MNsure, and all of them continued to participate in 2020 as well.

Blue Plus expanded to once again offer statewide coverage in 2020, for the first time since 2016.2021. Quartz joined the exchange for 2021, joining the four existing insurers. HealthPartners and UCare are both expanding their coverage areas for 2021.Minnesota Premium Security Plan. 1332 waiver proposal approved by CMS, but with a significant funding cut for MinnesotaCareIn May 2017, Minnesota Governor Mark Dayton submitted a 1332 waiver proposal to CMS.

The 1332 waiver was based on H.F.5, which was enacted without Dayton’s signature in April 2017 (Dayton had proposed an alternative measure that would have allowed people in Minnesota to buy into MinnesotaCare. That measure was not able to pass the state’s Republican-dominated legislature).[For more than two decades, MinnesotaCare was a state program subsidizing health insurance for low-income residents. As of January 1, 2015, it transitioned to a Basic Health Program under the ACA, becoming the first BHP in the nation.]H.F.5 created the Minnesota Premium Security Plan (MPSP), which is a state-based reinsurance program (similar to the one the ACA implemented on a temporary basis through 2016, and that Alaska created for 2017. Several other states have since implemented reinsurance programs).

The reinsurance program, which took effect in Minnesota in 2018, covers a portion of the claims that insurers face, resulting in lower total claims costs for the insurers, and thus lower premiums (average individual market premiums in Minnesota decreased from 2017 to 2018 as a result of the reinsurance program). The reinsurance kicks in once claims reach $50,000, and covers them at 80 percent up to $250,000 (this is similar to the coverage under the transitional reinsurance program that the ACA provided from 2014 through 2016).H.F.5 was contingent upon approval of the 1332 waiver, because it relies partially on federal funding, in addition to state funding. Under the federal approval that was granted in September 2017, the federal government is giving Minnesota the money that they save on premium tax credits, and that money is combined with state funds to implement the reinsurance program (lower premiums — as a result of the reinsurance program — result in the federal government having to pay a smaller total amount of premium tax credits, since the tax credits are smaller when premiums are smaller).It was expected that CMS would approve the state’s 1332 waiver proposal, and Governor Dayton requested that the approval process be swift so that the state could move forward with the implementation of the Minnesota Premium Security Plan in time for the 2018 plan year. Dayton indicated that his office had been told that approval would come in August 2017, but CMS didn’t approve the waiver until September 22.

And the waiver approval letter noted that the federal savings for MinnesotaCare (the state’s Basic Health Program, or BHP) resulting from the reinsurance program would not be eligible to be passed along to the state — in other words, CMS would keep those savings instead.[Federal BHP funding is equal to 95 percent of the amount that the federal government would have otherwise spent on premium subsidies and cost-sharing reductions for the population that ends up being eligible for the BHP. So lower premiums — as a result of reinsurance — for qualified health plans in the exchange means that the amount the federal government would have had to spend on premium subsidies for that population is lower. That translates into a smaller amount of funding for the state’s BHP, according to the approach that HHS took for Minnesota’s waiver approval.]And based on the scathing letter that Dayton sent CMS a few days earlier, it appeared at that point that Minnesota could actually lose money on the deal — losing more in federal funding for MinnesotaCare than they gain in reinsurance funding. Dayton noted in his letter that the 1332 waiver approval process had been “nightmarish,” and that Minnesota went to great lengths to follow instructions from CMS at every turn, throughout the process of drafting H.F.5 and the 1332 waiver proposal.

He explains that CMS provided Minnesota with explicit guidance in terms of how to draft the reinsurance program while maintaining full federal funding for MinnesotaCare, and highlighted the fact that the state never deviated from the instructions that were provided.The StarTribune editorial board called out then-Secretary of HHS, Tom Price and the Trump Administration for their lack of clarity on the issue, for apparently misleading the state during the 1332 waiver drafting process, and for effectively punishing the state of Minnesota for taking an innovative approach to ensuring that as many people as possible have health insurance.Insurers filed rates based on reinsurance being available. And by the time the waiver was approved, there was very little time to evaluate the potential impacts of the funding changes, as rates had to be finalized by October 2 in Minnesota. The finalized rates did incorporate the reinsurance program. The state has accepted the approved waiver, but Gov.

Dayton sent a letter to HHS on October 3, asking them to reconsider the MinnesotaCare funding cuts, but the issue has remained unresolved.Elimination of CSR funding results in additional funding cut for MinnesotaCare, but a lawsuit has partially restored that fundingNationwide, 54 percent of exchange enrollees benefit from cost-sharing subsidies. But in Minnesota, only 13 percent of exchange enrollees are receiving cost-sharing subsidies. This is because of MinnesotaCare, which covers all enrollees with income up to 200 percent of the poverty level. That’s the same group that would otherwise benefit the most from cost-sharing subsidies, so the fact that MinnesotaCare is available means that most of the people who would otherwise be enrolled in cost-sharing subsidy plans are instead enrolled in MinnesotaCare.At first glance, this would appear to have made the uncertainty surrounding cost-sharing subsidy funding in 2017 a little less of a pressing issue in Minnesota than it was in many other states, since private insurers weren’t facing the sort of losses that insurers in other states were facing without federal funding for CSR.

But when the Trump Administration eliminated federal funding for CSR in October 2017, HHS took the position tha t since CSR funding had been eliminated, the CSR portion of the federal funding for the BHPs in New York and Minnesota would be reduced to $0. This was not a cut-and-dried conclusion, however, as explained earlier in 2017 by Michael Kalina.In January 2018, the Attorneys General for New York and Minnesota filed a lawsuit against the US Department of Health and Human Services, seeking to restore funding for their Basic Health Programs. A judge ruled in favor of the states in May 2018, ensuring that MinnesotaCare would continue to receive at least some CSR-based funding. The amount awarded to the state for the first quarter of 2018 was just over half of what the state had initially expected in CSR-related funding, but a larger chuck of the funding was restored later in 2018.

According to the Star Tribune, however, Minnesota still ended up losing $161 million in federal funding for MinnesotaCare due to the CSR funding cuts.In early 2019, the Trump administration proposed yet another funding cut (a third, after the cuts imposed by the reinsurance program and the elimination of CSR funding) as part of a new methodology for calculating BHP funding. This one was much smaller than the other two cuts, but taken together the funding reductions are pushing MinnesotaCare towards a looming budget shortfall. SHOP exchange. Down to one carrier as of 2016, zero by 2018 (and still zero in 2019)In 2015, there were two carriers in MNsure’s SHOP exchange for small businesses.

Blue Cross Blue Shield of Minnesota, and Medica. But Medica announced in 2015 that they would exit the SHOP exchange in Minnesota, North Dakota, and Wisconsin at the end of the year. That left BCBS as the only small group carrier available through MNsure in 2016, but it didn’t change much from a practical standpoint, since 83 percent of MNsure’s small groups were enrolled in plans through BCBS in 2015. Indeed, Medica’s reason for exiting the small business exchange was based on low enrollment in the first two years.Blue Cross Blue Shield of Minnesota continued to be the only insurer offering SHOP coverage via MNsure in 2017, but announced in July 2017 that they would no longer offer SHOP coverage in 2018, and would instead transition their SHOP enrollees to small business coverage outside the exchange.

At that point, there were only 3,287 people enrolled in SHOP coverage in Minnesota — far below the 155,000 people that were originally projected to have coverage through MNsure’s SHOP program by 2016 (this much lower-than-anticipated enrollment has been the case in nearly every state’s SHOP exchange. This situation is not unique to Minnesota). State law provided 25% premium rebate in 2017. Amendment to allow plans without essential benefits was cut from final legislationThroughout 2016, then-Governor Dayton called for a state-funded premium rebate for people who buy their own insurance but aren’t eligible for the ACA’s premium subsidies (those are only available for people with income up to 400 percent of the poverty level, or $100,400 for a family of four in 2019).Governor Dayton also noted that the government needed to act quickly to stabilize the individual market in Minnesota, and by late November 2016, his patience with lawmakers was wearing thin.

In a November 23 press conference, Dayton said that House Republicans needed to “stop dilly-dallying” and decide whether to move forward with Dayton’s rebate proposal.Dayton had also indicated that he was considering calling a special session of the legislature after election day to address the situation, and that was being negotiated for December 20. But the talks fell through when Dayton and Republican House Speaker Kurt Daudt couldn’t agree on the three bills that would have been addressed in the special session. As a result, there was no special session.Instead, the issue was taken up by lawmakers as soon as the 2017 legislative session began. On January 5, Minnesota Senators Michelle Benson (R, 31st District) and Gary Dahms (R, 16th District) introduced S.F.1.

The bill called for using $300 million in state funding to provide a 25 percent rebate to roughly 125,000 people in Minnesota.S.F.1 passed the Minnesota Senate by a 35-31 vote on January 12. Only one DFL Senator (Melisa Franzen, from Edina) voted with Republicans in favor of the legislation. It was then sent to the House, where an amendment was added that stripped out the requirement that health plans provide various mandated benefits (see “Journal of the Day” section “Top of page 154” in this version of the bill. Under the terms of the amendment, as long as a carrier offered at least one plan with all the mandated benefits, they would have been allowed to offer others without mandated benefits).The amended bill was sent back to the Senate on January 23.

Differences between the bills that the two chambers passed had to be reconciled before being sent to Governor Dayton for his signature. By that point, the amendment to allow less-robust plans to be sold had garnered national attention, and public outrage helped to push lawmakers away from the provision. S.F.1 had also called for $150 million to be appropriated for fiscal year 2018 (through June 30, 2019) from the state general fund to a state-based reinsurance program to stabilize the individual market (Alaska did something similar in 2016, preventing a market collapse), but that provision was also removed in the final version (Minnesota did ultimately set up a reinsurance program, effective in 2018, which has served to stabilize the market and reduce premiums).A Conference Committee in the Senate recommended that the House “recede from its amendments” and the Conference Committee report passed the Senate on a 47-19 vote. The House passed the bill a few hours later, 108-19.

It was sent to Governor Dayton, who immediately signed it into law. DFLers did have to compromise on one issue during the process. S.F.1 allows for-profit HMOs to begin operating in Minnesota’s individual market, which had long been limited to non-profit HMOs.Consumers were told to expect the premium rebates to show up by April 2017, but they were retroactively effective to January 2017. So a person who had been paying full price for a plan since January 2017 saw a substantial premium reduction on the April or May invoice.

Going forward, for the remainder of the year, a 25 percent rebate applied each month.Since S.F.1 was signed into law with only a few days remaining in open enrollment (it ended January 31 that year), Governor Dayton and exchange officials were worried that there wouldn’t be enough time for people to learn about the rebate and apply for coverage before January 31. In December, Dayton had asked HHS to allow MNsure to extend its enrollment deadline to February 28 (instead of January 31) in order to allow lawmakers more time to work out the details of a state-based premium rebate while still allowing people to enroll after the legislative process is complete.HHS denied the request for a blanket extension, but MNsure used their own authority on January 28 to grant a one-week special enrollment period (February 1 to February 8) due to exceptional circumstances. Although the state-based 25 percent premium rebate was available on or off the exchange, the one-week extension was only valid through MNsure. Health insurers did not have to accept off-exchange enrollments without a qualifying event after January 31.The 25 percent premium rebate program in Minnesota was only authorized for one year, so the rebates did not continue into 2018.

And although almost 100,000 people received premium relief through the program in 2017, it ended up costing less than the legislature had allocated, and about $100 million was returned to the state’s budget at the end of 2017.Protecting Medicaid enrollees from estate liensIn every state, Medicaid is jointly funded by the state and the federal government. Longstanding federal regulations, which predate the ACA, require states to “seek recovery of payments from the individual’s estate for nursing facility services, home and community-based services, and related hospital and prescription drug services” for any Medicaid enrollee over the age of 55. This applies essentially to long-term care services, but states also have the option to go after the individual’s estate to recover costs for other care that was provided by Medicaid after age 55.Prior to 2014, this wasn’t typically an issue, as Medicaid eligibility was generally restricted by asset tests or requirements that applicants be disabled or pregnant (although Minnesota did have much more generous Medicaid eligibility guidelines than most states prior to 2014). But as of 2014, in states that expanded Medicaid under the ACA, the only eligibility guideline is income.

Applicants with income that doesn’t exceed 138 percent of the poverty level are directed to Medicaid, regardless of any assets they might have.When applicants use the health insurance exchange — MNsure in Minnesota — they’re automatically funneled into Medical Assistance (Medicaid) if their income is under 138 percent of the poverty level. But what these enrollees didn’t know was that the state also had a program in place to put liens on estates for Medicaid-provided services for people age 55 and older.The combination of these systems caught numerous residents off guard. They were enrolled in Medical Assistance through MNsure based on their income, but were not aware that liens were being placed on their homes so that the state could recoup the costs upon their deaths.State Senator Tony Lourey (DFL, District 11) addressed the issue with language included in HF2749, the Omnibus supplemental budget bill, which was signed into law by Governor Dayton on June 1, 2016. The legislation limits estate recovery to just what’s required under federal Medicaid rules (ie, essentially, long-term care costs for people age 55 or older), and makes the provision retroactive to January 1, 2014.Early tech strugglesMNsure opened for business in the fall of 2013, but technological issues persisted well into 2015, despite numerous improvements throughout 2014.

Given MNsure’s difficult launch, the state conducted a series of audits and reviews. The first audit reviewed how MNsure spent state and federal money. Auditors concluded that the exchange has generally adequate internal controls and found no fraud or abuse. The review was conducted by the state Office of the Legislative Auditor, and the report was published in October 2014.Another audit, also conducted by the Office of the Legislative Auditor and released in November 2014, found that the MNsure system in some cases incorrectly determined who qualified for public health benefits.

The errors occurred during the first open enrollment period, before a series of system fixes were implemented. The audit did not quantify the total financial impact of the errors. The state Human Services commissioner said a consultant working on technical fixes to MNsure concluded that the eligibility functionality was working correctly as of June 2014.A third audit, a performance evaluation report released in February 2015, said “MNsure’s failures outweighed its achievements.” Among other criticisms, auditors said MNsure staff withheld information from the board of directors and state officials, the enrollment website was seriously flawed and launched without adequate testing, and the first-year enrollment target was unrealistically low.In April 2014, MNsure hired Deloitte Consulting to audit MNsure’s technology and improve the website to make enrolling in coverage and updating life events easier and more streamlined. Deloitte has been involved in successful state-run marketplaces for Connecticut, Kentucky, Rhode Island and Washington.Software upgrades were installed in August 2014, and system testing continued right up until the start of open enrollment.

To reduce wait times for consumers and insurance professionals, MNsure increased its call center and support staff and launched a dedicated service line for agents and brokers.More in-person assisters were available in Minnesota for the 2015 open enrollment period. MNsure encourages residents to utilize the exchange’s assister directory to find local navigators and brokers who can help with the enrollment process.MNsure has improved dramatically in terms of its technology since the early days of ACA implementation, and enrollment increased every year from 2014 through 2019.Lawmakers approved switching to HealthCare.gov as of 2019, but governor vetoedOn May 9, 2017, lawmakers in Minnesota passed SF800, an omnibus health and human services bill. Among many other things, the legislation called for switching from MNsure to the federally-run marketplace (HealthCare.gov) starting in 2019 (see Section 5). But Governor Dayton vetoed it.Gov.

Dayton has long been supportive of MNsure, and had previously clarified that he would veto the bill. In noting his plans to veto the legislation, Dayton made no mention of the transition to HealthCare.gov that was included in the legislation, but focused instead on the sharp budget cuts in the bill. But his veto ensured that MNsure would remain in place, at least for the time being.The Senate’s original version of SF800 did not call for scrapping MNsure, but the bill went through considerable back-and-forth between the two chambers, and the version that passed was the 4th engrossment of the bill.In March 2015, Dayton had asked the legislature to create a Task Force on Health Care Financing that would study MNsure along with possible future alternatives. Dayton noted in his letter that he supported making MNsure “directly accountable to the governor and subject to the same legislative oversight as other state agencies” and his budget included half a million dollars devoted to the task force.

The spending bill was approved by the legislature in May, and the 29-member task force was appointed in the summer.One of the possibilities that the task force considered was the possibility of switching to Healthcare.gov, but it’s clear that there was no cut-and-dried answer to the question of whether Minnesota is better served by having a state-run exchange, switching to a federally-run exchange, or teaming up with the federal government on either a supported state-based marketplace or partnership exchange.In a December 2015 meeting of the task force, the MN Department of Human Services presented a financial analysis of the alternatives available to MNsure. They determined that switching entirely to Healthcare.gov would cost the state an additional $5.1 million in one-time costs from June 2016 to June 2017. And switching to a supported state-based marketplace would cost an additional $6.6 million during that same time frame. If the state had opted to switch to Healthcare.gov, the soonest it could have happened was 2018, since HHS requires a year’s notice from states wishing to transition to Healthcare.gov, and Minnesota wouldn’t have been in a position to make a decision until sometime in 2016.There were significant reservations about making that switch prior to the Supreme Court’s ruling on King v.

Burwell. The Court ruled in June 2015 that subsidies are legal in every state, including those that use Healthcare.gov. Prior to the decision, a switch to Healthcare.gov could have jeopardized subsidies for tens of thousands of Minnesota residents. But once it was clear that Healthcare.gov’s subsidies are safe, some stakeholders began calling for Minnesota to scrap its state-run exchange and use Healthcare.gov instead.

Because the MNsure task force was included in the 2016 budget, no hasty decisions were made.In January 2016, the task force submitted their recommendations to the legislature. They covered a broad range of issues, but did not recommend that MNsure transition to the federal enrollment platform. Lawmakers essentially left the exchange alone during the 2016 legislative session.The magnitude of the 2016 rate increases that were announced in October resulted in MNsure opponents renewing their calls to switch to Healthcare.gov. But it’s important to keep in mind that the 41 percent weighted average rate hike in Minnesota was market-wide, and did not just apply to MNsure enrollees.

In fact, the off-exchange carrier (PreferredOne) had among the highest rate hikes in the state for 2016, at 39 percent, and the exchange’s weighted average rate increase (38.5 percent) was lower than the weighted average rate increase for the whole individual market (41 percent).Minnesota health insurance exchange linksMNsure855-3MNSURE (855-366-7873)State Exchange Profile. MinnesotaThe Henry J. Kaiser Family Foundation overview of Minnesota’s progress toward creating a state health insurance exchange.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts..

In this edition Welcome back http://sherimackey.com/2012/05/01/leadership-lessons-from-haiti-repost/ to buy cheap kamagra online The Scoop!. Open enrollment for individual (non-group) health insurance plans is just around the corner, and will be buy cheap kamagra online underway nationwide as of November 1. For those interested in open enrollment and individual-market coverage, there’s plenty of encouraging news this week regarding open enrollment extensions, new state enrollment platforms, the availability of plan browsing, and new insurers joining many states’ marketplaces.If you’ve got questions about open enrollment, check out our comprehensive 2021 Open Enrollment Guide, which addresses all aspects of the OEP that starts November 1.

(And although this site is all about individual market health coverage, you can also check out our guide to the Medicare buy cheap kamagra online open enrollment period – which starts today.)There’s a lot of news to cover. Let’s get started!. Eleven state-run exchanges buy cheap kamagra online extend open enrollment periods for 2021 coverageAlthough open enrollment is still a few weeks away, more than two-thirds of the fully state-run exchanges have already committed to extended open enrollment periods during which people can enroll in 2021 health coverage.

Some of these are permanent extensions, while others only apply to the upcoming open enrollment period:Minnesota. November 1 to December buy cheap kamagra online 22, 2020.Colorado. November 1 to January 15, 2021Nevada.

November 1, 2020, to buy cheap kamagra online January 15, 2021.Pennsylvania. November 1, 2020, to January 15, 2021.Washington. November 1, 2020, buy cheap kamagra online to January 15, 2021.Massachusetts.

November 1, 2020, to January 23, 2021.Rhode Island. November 1, 2020, buy cheap kamagra online to January 23, 2021.California. November 1 to January 31, 2021.District of Columbia.

November 1 to January 31, 2021.New Jersey buy cheap kamagra online. November 1, 2020, to January 31, 2021.New York. November 1, 2020, to January 31, 2021.The other state-run exchanges are Connecticut, Idaho, Maryland, and Vermont buy cheap kamagra online.

They all have the option to use the standard November 1 – December 15 enrollment window or issue an extension. And although they’ve currently all scheduled open enrollment to buy cheap kamagra online end on December 15, it’s possible that we could see additional extensions as the year goes on.Two states move to state-run exchange platforms this fallMost states in the U.S. Use the federally run HealthCare.gov platform for individual and family health coverage enrollment.

But there were already 13 fully state-run buy cheap kamagra online exchange platforms as of this year, and two more have joined them for the upcoming open enrollment season and future plan years.Residents in Pennsylvania will use Pennie to sign up for coverage this fall, and New Jersey residents will use GetCoveredNJ. (In previous years, residents in both states used HealthCare.gov.) Window shopping for 2021 health plans available in DC and eight statesIn states that use HealthCare.gov and most of the state-run exchanges, window shopping for 2021 coverage will be enabled by late October. But plan browsing is currently available on some buy cheap kamagra online state-run exchange websites.

Residents in California, DC, Idaho, Maryland, Minnesota, Nevada, New Jersey, New York, and Vermont can already see the available plans and pricing for 2021. And in California, current enrollees can even renew their coverage now, without having to wait buy cheap kamagra online for the official start of open enrollment.Mostly modest rate changes for 2021. Increases in some states, decreases in othersFor the last several months, we’ve been tracking proposed premiums for individual-market health insurance across the country.

The rate review process buy cheap kamagra online has been finalized and approved rate changes made public in many states. As he does each year, Charles Gaba is tracking the proposed and approved rate changes in an at-a-glance spreadsheet. Thus far, the average approved rate change stands at an increase of just under buy cheap kamagra online half a percent.

Although that’s not yet a complete picture, it is indicative of a fourth consecutive year of fairly stable rates in the individual market, with prices in many areas of the country fairly similar in 2021 to what they were in 2018.We’ve got detailed overviews of numerous states’ approved rate changes for 2021, including some states where overall average rates are increasing. (See Florida, Idaho, Massachusetts, Nevada, New York, and Rhode Island) In other state, overall average rates are buy cheap kamagra online actually decreasing. (See Colorado, Delaware, Hawaii, Iowa, Maine, Maryland, and Washington.)For 2021, Pennsylvania and New Hampshire are joining a dozen other states that have reinsurance programs, and average premiums are expected to decrease in both states buy cheap kamagra online as a result of the new reinsurance programs.Insurers join marketplaces or expand coverage areas in more than 20 statesIn many states across the country, new insurers are joining the exchanges for 2021, and existing insurers are expanding their coverage areas within the states where they offer coverage.

We’re seeing this in numerous states, including Arkansas, California, Colorado, Florida, Illinois, Idaho, Indiana, Iowa, Maryland, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, Tennessee, Texas, Utah, Virginia, and Washington.There are a few states where existing insurers will no longer offer plans in the marketplace after 2020. New Mexico Health Connections will shut down at the end of 2020, Virginia Premier is leaving the individual market, and Highmark Choice Company is leaving Pennsylvania’s market (but several other Highmark affiliates buy cheap kamagra online will remain, and Highmark Choice Company had very low enrollment).But overall, the trend is overwhelmingly towards increasing insurer participation and expanding coverage areas. This is the same trend we saw for 2019 and 2020.

And it’s a reversal of the trend we saw in 2017 and 2018, when insurers were fleeing the exchanges and the individual market.Wisconsin asks Trump administration to extend open enrollmentLate last month, numerous Wisconsin stakeholders — including the insurance commissioner, the Department of Health Services, numerous health insurance companies, and consumer advocates — sent a letter to the Trump administration, asking for an extension of the upcoming open enrollment period through the end of January, instead of having it end on December 15.Wisconsin uses the federally run marketplace (HealthCare.gov), so the state does not have the option of extending open enrollment itself, the way several of the buy cheap kamagra online state-based exchanges have done. The letter points out how an extended open enrollment period would give the state more time to help people affected by the kamagra who need to select an individual market health plan for 2021.An extension would also give those individuals – many of whom are not accustomed to buying their own health insurance – more time to carefully consider their options. The letter concludes by pointedly noting that along with those practical benefits, “an extension would signal that the federal government understands the plight of the newly uninsured, values their welfare and is prepared to do all in its power to protect our health system and economy.”Nearly two years buy cheap kamagra online after voters approved it, Medicaid expansion is in effect in NebraskaIn November 2018, voters in Nebraska approved a Medicaid expansion ballot measure.

After an implementation process that lasted nearly two years, Medicaid expansion took effect this month in Nebraska. Nebraska residents were able to start enrolling in expanded Medicaid in August, but enrollment will continue year-round for eligible residents.Now that Nebraska has expanded coverage, there are only 14 states that still have not accepted federal funding to expand Medicaid, and two buy cheap kamagra online of them (Oklahoma and Missouri) will expand coverage by mid-2021 under the terms of ballot measures approved by voters this past summer.CMS report. Unsubsidized individual market enrollment declined 45% from 2016 to 2019The Centers for Medicare and Medicaid Services published a new enrollment trends report last week, with data updated to include the 2019 plan year.

The CMS totals are based on risk adjustment data, but they do buy cheap kamagra online not include enrollments in Massachusetts and Vermont, since both states have merged individual and small group markets for risk adjustment.Enrollment in the health insurance marketplaces/exchanges has remained fairly steady over the last few years, due mainly to the premium subsidies that keep coverage affordable for most exchange enrollees. But enrollment has declined sharply among people who don’t receive premium subsidies – which includes everyone who enrolls outside the exchange, as well as about 15 percent of on-exchange enrollees. Across 48 buy cheap kamagra online states and Washington, DC, total unsubsidized enrollment in ACA-compliant individual market plans has dropped from 6.3 million in 2016 to 3.4 million in 2019.KFF employer survey.

Average cost of family premiums now exceeds $21,000The Kaiser Family Foundation’s annual employer health insurance survey report was published last week. As usual, it contains a wealth of information about the current state of employer-sponsored health insurance in buy cheap kamagra online the United States. Among the interesting data points:67 percent of employees with employer-sponsored health coverage are enrolled in self-insured health plans.

This is up from 61 percent last year (state health insurance regulations do not buy cheap kamagra online apply to self-insured plans, as they are instead regulated at the federal level).The average cost of employer-sponsored family health coverage has grown to $21,342 in annual premiums this year, up from $20,576 last year. The uninsured rate continues to rise, and is rising particularly fast among childrenLast month, the U.S. Census Bureau published its annual health insurance report, buy cheap kamagra online with data about health coverage during 2019.

About 8 percent of the population had no health coverage at all during 2019, and about 9.2 percent had no health coverage at the time they were surveyed. This is an increase from 8.9 percent in 2018, but it’s also the continuation of a steady upward trend in the uninsured rate since the Trump administration took buy cheap kamagra online office. It had been 8.7 percent in 2017 and 8.6 percent in 2016.

The uninsured rate is still well below where it was buy cheap kamagra online prior to the ACA. 15.5 percent of the population was uninsured as of 2010.In addition to the continued increase in the overall uninsured rate in recent years, Georgetown University’s Health Policy Institute published a sobering report last week, indicating that the uninsured rate among children in the U.S. Increased more in 2019 than it had in any buy cheap kamagra online other year over the last decade.

In 2016, just 4.7 percent of children in the U.S. Were uninsured, which was a historic low buy cheap kamagra online. But by 2019, it had increased to 5.7 percent.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006.

She has written dozens of opinions and educational pieces about the Affordable Care buy cheap kamagra online Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Minnesota marketplace highlights and updatesOpen enrollment for 2021 health plans. November 1, 2020 through December 22, buy cheap kamagra online 2020.

Residents with buy cheap kamagra online qualifying events can still enroll or make changes to their 2020 coverage.Insurers implementing modest rate increases for 2021, after three straight years of average rate decreases. Quartz has joined the exchange for 2021, bringing total number of insurers to five.117,520 people enrolled for 2020, a new record for MNsure.Insurer participation in MNsure. 2014 to 2021.Reinsurance program received federal approval, began operation in 2018.With reinsurance, rates decreased for 2018 and again, even more buy cheap kamagra online significantly, for 2019.

But reinsurance also reduced funding for MinnesotaCare.The elimination of CSR funding further reduced MinnesotaCare funding, but this has been partly restored by a court ruling.MN provided premium relief for non-subsidy-eligible enrollees for 2017 only.Governor vetoed a proposed 2019 switch to HealthCare.gov.MNsure’s small business exchange no longer has any participating insurers.Minnesota health exchange overviewMinnesota’s one of the states fighting the hardest to preserve the Affordable Care Act’s gains. See actions Minnesota has taken.Minnesota’s state-run exchange, MNsure, has buy cheap kamagra online five participating insurers for 2021, up from four in 2020. The exchange has more than 117,000 individual market enrollees as of 2020.As a result of the erectile dysfunction treatment kamagra, MNsure joined most of the other state-run exchanges in offering a special enrollment period during which people who were uninsured could enroll in a health plan.

MNsure’s special enrollment period began March buy cheap kamagra online 23, and continued through April 21. Nearly 9,500 Minnesota residents enrolled in private plans through MNsure during this window, as well as another 13,700 who enrolled in MinnesotaCare or Medicaid (enrollment in those programs is open year-round for eligible residents).Allison O’Toole, who led MNsure as CEO for three years, announced her resignation in March 2018, and the exchange named Nate Clark, the MNsure COO, as acting CEO. A few months later, buy cheap kamagra online the MNsure board named Clark as the permanent CEO.

O’Toole left MNsure to work as director of state affairs for United States of Care, a non-profit created by Andy Slavitt, who was the acting administrator of CMS under the Obama Administration.Throughout 2017, Minnesotans who bought their own health insurance (on or off-exchange) and weren’t eligible for ACA subsidies were provided with 25 percent premium rebates from the state as a result of S.F.1, signed into law by Governor Dayton in early 2017. The subsidies helped to offset the large premium increases buy cheap kamagra online that applied in Minnesota in 2017, and helped to stabilize the individual health insurance market in 2017. But the premium rebate program expired at the end of 2017.Thanks in large part to the new reinsurance program that Minnesota created (details below), premiums decreased in Minnesota’s individual market in 2018, 2019, and again in 2020, although rates are increasing modestly for 2021.

In May 2019, Minnesota leaders reached an agreement on a budget that included an extension of the reinsurance program through 2020 and 2021 (it has already been granted federal approval through the end of 2022, but the state has to continue buy cheap kamagra online to cover its share of the cost. Minnesota Governor Tim Walz had hoped to implement a premium subsidy program and a new tax credit in Minnesota starting in 2020. But a compromise in the budget ended up with the state opting to continue the existing reinsurance program for two more years instead.).But the waiver that provides federal pass-through funding for reinsurance also resulted in a sharp and unexpected decrease in federal funding for MinnesotaCare, the Basic Health Program that provides coverage for people with income between 138 percent and 200 percent of the poverty level (between $16,642 and $24,120 for a single person).In addition, the elimination of federal funding for cost-sharing reductions (CSR) in October 2018 resulted in a funding cut for MinnesotaCare, since the program is funded in large part by federal funds that would otherwise have buy cheap kamagra online been used to pay for premium subsidies and cost-sharing reductions in the exchange for the population that is instead eligible for MinnesotaCare.

After an ensuing legal battle, a judge ordered HHS to restore funding for MinnesotaCare, although a resolution of the situation is ongoing, and the amount that HHS agreed to pay was still less than MinnesotaCare would have received if CSR funding had continued.Open enrollment for 2021 health plans extended through December 22, 2020. Insurers implementing modest rate increases for 2021, after three years of overall rate decreasesMNsure enabled window shopping for 2021 health plans as buy cheap kamagra online of October 12, 2020. This gives residents a few weeks to browse the available plans before open enrollment starts on November 1, 2020.

And MNsure has announced buy cheap kamagra online that open enrollment will continue through December 22, 2020. That’s a week longer than the open enrollment period that will apply in states that use the federally-run exchange. The flexibility to buy cheap kamagra online extend open enrollment is often cited as one of the benefits of having a fully state-run exchange.

(MNsure had a similar extension last December, for 2020 health plans).For 2021, Quartz is joining the Minnesota marketplace. Quartz currently buy cheap kamagra online offers plans in Illinois and Wisconsin, and is expanding into Minnesota for 2021. And two of the existing insurers — HealthPartners and UCare — are expanding their coverage areas for 2021 (BluePlus and Medica offer coverage statewide, and will continue to do so in 2021).The following average rate changes have been approved for MNsure’s insurers:Blue Plus.

4.21 percent increase (down from an initially proposed 7.12 percent increase)Group Health/Health Partners (GHI) buy cheap kamagra online. 0.67 percent increase (down from an initially proposed 4.15 percent increase)Medica. 2.42 percent increase (down from an initially proposed 7.06 percent buy cheap kamagra online increase)UCare.

1.6 percent increase (up from an initially proposed 1.39 percent decrease)Quartz. New for buy cheap kamagra online 2021, so no applicable rate changePreferredOne Insurance Company, which offers plans outside the exchange, is increasing premiums by 1.05 percent (down from an initially proposed average increase of 5.09 percent). Rate changes in previous years2015.

Average increase of buy cheap kamagra online 4.5 percent. MNsure critics characterized the official announcement as misleading buy cheap kamagra online as it failed to take into account low-cost 2014 plans from PreferredOne. Consumers who bought a PreferredOne plan through MNsure for 2014 could only renew their policies for 2015 by working directly with the insurer, since PreferredOne stopped offering plans in the exchange at the end of 2014.

However, PreferredOne rates went up an average of 63 percent, buy cheap kamagra online and consumers didn’t qualify for subsidies if they shopped outside the exchange. 2016. Average increase of 41.4 percent for the individual market, and about 38.5 for plans sold buy cheap kamagra online in MNsure (ie, not counting PreferredOne).

Rates increased significantly in 2016 across the entire individual market in Minnesota — including plans sold through MNsure, the state-run exchange.Approved rates for 2016 were announced on October 1, 2015, ranging from about 15 percent for Medica to 49 percent for Blue Cross Blue Shield of Minnesota. In general, the carriers cited higher-than-expected claims costs over the past year, along with the impending phase-out of the ACA’s reinsurance program as justification for their buy cheap kamagra online 2016 rate requests. But Governor Mark Dayton called some of the higher proposed increases “outrageous,” and promised a rigorous review of the filed rate changes and justifications.

Ultimately, regulators were able to limit the highest rate increases to 49 percent — as opposed to the 54 percent that had been requested by Blue Plus and BCBS of MN — but the buy cheap kamagra online final weighted average rate increase in the individual market in Minnesota still ended up being the highest in the nation. But Minnesota still had the lowest overall premiums in the upper midwest (although Minnesota had the highest average rate increase in the country for 2016, they had the lowest overall rates in the country in 2014 and 2015).Minnesota Commerce Commissioner Mike Rothman called the rate increases “unacceptably high,” and Gov. Dayton noted that he was “extremely unhappy” with the rate buy cheap kamagra online changes.

But Rothman noted that his office “objected to all of the rates across the board,” and “squeezed out everything we could that was not actuarial justified.” In other words, the final rates, although much higher than officials and policyholders would have liked, were justified based on medical claims costs — the population enrolled in individual health plans in Minnesota was sicker than expected, and drug costs had been particularly onerous.Only about 55 percent of people who had 2015 coverage through MNsure received premium subsidies. But due to the buy cheap kamagra online sharp premium increases, that had increased to about 63 percent for the people who had purchased or renewed coverage as of June 2016.2017. When the Minnesota Department of Commerce announced health insurance rates for 2017 for the individual and small group markets, the rate hikes were somewhat reasonable in the small group market (ranging from a decrease of 1 percent to an increase of 17.8 percent), but the individual market was “experiencing serious disruptions in 2017” and “on the verge of collapse.” The four carriers that offered plans through MNsure had the following average rate increases in 2017:Blue Plus = 55 percentHealthPartners/Group Health (GHI) = 50 percent (HealthPartners is only offering plans in 10 of the 67 counties where they offered plans in 2016.

Their enrollment cap is 72,000 for 2017)Medica = 57.5 percent (enrollment cap is 50,000 for 2017)UCare = 66.8 percent (UCare capped enrollment at 30,000 for 2017, but only had 16,000 enrollees in 2016)The enrollment caps that HealthPartners, Medica, and UCare employed for 2017 were approved as part of the rate review process, and are designed to protect carriers from further financial losses as they absorb BCBSMN’s enrollees who are shopping for new coverage during open enrollment.In a news release relating to the rate announcement for buy cheap kamagra online 2017, the Minnesota Department of Commerce didn’t mince words. They noted that the individual market in the state was on the brink of collapse, and that they did everything in their power to save the market. While they succeeded in keeping the state’s individual market viable for 2017, with only one carrier exiting (BCBSMN, although their HMO affiliate, Blue Plus, remained in the exchange), they reiterated very clearly that substantial reforms would be needed to keep the market stable in future years, and highlighted the fact that rates would be sharply higher and that carriers would limit buy cheap kamagra online enrollment in 2017.2018.

Final rates for 2018 were approved in October 2017 (comprehensive information about the approved rates is here), based on the Minnesota Premium Security Plan (MSPS) being implemented but cost-sharing reductions (CSR) not being funded by the federal government (the cost of CSRs was added to on-exchange Silver plans). Average approved buy cheap kamagra online rate changes for MNsure insurers ranged from a 13.3 percent decrease for UCare to a 2.8 percent increase for Blue Plus. Three of the four MNsure insurers decreased their average premiums for 2018.On September 21, MNsure had posted a notice indicating that if the reinsurance program were not approved, rates would be about 20 percent higher than they would otherwise be in 2018.

Fortunately for Minnesota residents, the reinsurance program did receive federal approval, and average rates declined slightly for 2018.But some enrollees who don’t get ACA premium subsidies still experienced a rate increase, due to the termination of the one-year, state-funded 25 percent premium rebates at the end of buy cheap kamagra online 2017.PreferredOne, which exited MNsure at the end of 2014 and only offers coverage in the off-exchange market, proposed dramatically lower rates for 2018. A 38 percent average decrease if MSPS were to be approved, and a 23 percent average decrease if not. The 38 percent buy cheap kamagra online decrease was implemented, and no adjustments were necessary to account for CSR funding, since PreferredOne does not offer plans in the exchange, and CSRs are only available on silver exchange plans.2019.

Average premium decrease of 12.4 percent. Average premiums dropped for all five insurers buy cheap kamagra online in the individual market in 2019. This was the second year in a row of declining rates in Minnesota, but Blue Plus had a small rate increase for 2018, so 2019 was the first year that all five insurers decreased their average rates.

Minnesota insurance regulators noted that rates in 2019 were about 20 percent lower than they would have been without the reinsurance program.But most of Minnesota’s insurers charged higher rates in 2019 than they would have if the individual mandate penalty hadn’t been eliminated, and if access to short-term plans and association health plans buy cheap kamagra online hadn’t been expanded by the Trump administration. For example, UCare’s rate filing notes that while average rates were decreasing by about 10 percent, the rate decrease would have been nearly 15 percent if the individual mandate penalty had remained in place.At ACA Signups, Charles Gaba calculated a weighted average rate decrease of 12.4 percent for 2019 in Minnesota, but noted that the average decrease would have been nearly 19 percent without those changes at the federal level.2020. Average premium buy cheap kamagra online decrease of 1 percent.

Four of the five insurers (including PreferredOne, which only offers coverage off-exchange) in Minnesota’s individual market decreased their average premiums for 2020. This was the third year in a row that average individual market premiums dropped in Minnesota’s individual market, due in large part to the reinsurance program that the state has established.The following average buy cheap kamagra online rate changes were implemented for 2020:Blue Plus. 1.5 percent decrease (Blue Plus had buy cheap kamagra online originally proposed a 4.8 percent increase)Group Health/Health Partners (GHI).

1.26 percent decrease (GHI had originally proposed a 2.1 percent increase)Medica. 1.01 percent buy cheap kamagra online decrease (Medica had originally proposed an average decrease of 1.4 percent)UCare. 0.18 percent increase (UCare originally proposed a 0.3 percent increase)PreferredOne, which only offers off-exchange coverage, reduced their rates by an average of 20 percent, on the heels of an 11 percent decrease in 2019.

MNsure enrollment exceeded 116k in 2018, dropped to 113k for 2019, but grew to more than 1117k in 2020From 2014 through 2018, enrollment in MNsure’s individual buy cheap kamagra online market plans increased every year, reaching 116,358 people by 2018. That was the highest open enrollment total in MNsure’s history, despite the shorter enrollment period, which ended in mid-January instead of the end of January (open enrollment for 2018 coverage ended on December 15, 2017 in states that use HealthCare.gov, but MNsure opted to extend their enrollment window that year, and have also extended subsequent enrollment windows).Enrollment dropped for the first time in 2019, when 113,552 people enrolled in individual market plans through MNsure. In most states that use HealthCare.gov, enrollment peaked in 2016 and has been dropping since then buy cheap kamagra online.

But MNsure’s drop-off in 2019, which amounted to only a 2.4 percent reduction in enrollment, is the only time year-over-year enrollment has declined. Notably, the ACA’s individual mandate penalty was eliminated as of 2019, and regulations that the Trump administration implemented in late 2018 now make it more feasible for healthy people to use short-term plans instead of ACA-compliant plans (Minnesota has its own rules for short-term plans, but they’re more relaxed than the Obama-era federal rules that applied in 2017 and most of 2018).And for 2020, enrollment grew again, reaching a buy cheap kamagra online record high of 117,520 enrollees.Here’s a look at the number of people who have signed up for individual market plans through MNsure during each year’s open enrollment period. These numbers all represent total enrollment at the end of open enrollment.

Effectuated enrollment is always lower, and MNsure provides buy cheap kamagra online periodic effectuated enrollment data on their board meeting materials page. Insurer participation in MNsure. 2014-20212014.

Five insurers offered individual policies through MNsure for 2014. Blue Cross Blue Shield of Minnesota, HealthPartners/Group Health, Medica, PreferredOne, and UCare. Kaiser Health News reported that how to buy cheap kamagra online Minnesota offered some of the lowest premiums for silver (mid-level) plans in the U.S.

Four of Minnesota’s nine regions made Kaiser’s list of the 10 least expensive places to buy health insurance.2015. But PreferredOne, which offered the lowest rates in the nation in 2014 and captured a large portion of 2014 enrollees, withdrew from MNsure for 2015. PreferredOne said remaining on the exchange was “not administratively and financially sustainable.” A Star Tribune business writer attributed PreferredOne’s departure as a market dynamics issue rather than a problem with MNsure.However, Blue Plus (an affiliate of Blue Cross Blue Shield of MN, offering HMO plans) joined the exchange for 2015, so there were still five insurers offering plans for 2015.

Blue Cross Blue Shield of Minnesota, Blue Plus, Health Partners/Group Health, Medica, and UCare. MNsure offered 84 plans statewide, up from 78 for 2014.2016. BCBSMN, Blue Plus, Health Partners/Group Health, Medica, and UCare offered individual market plans through MNsure for 2016.2017.

In an effort to recruit more carriers to offer plans through MNsure for 2017 — particularly outside the Twin Cities metro area — state regulators sent out a request for proposals from health insurers on August 15, 2016. Regulators noted that insurers could propose waivers of regulations in order to make it feasible for them to offer coverage through MNsure, although any such waiver requests would have to be approved by regulators.Steven Parente, a health insurance expert at the University of Minnesota, called the state’s effort to recruit insurers to MNsure a “distress call” and noted that August 15 is awfully late in the year to be putting out a request for insurer participation, given that open enrollment begins November 1. And ultimately, no new insurers opted to join MNsure for 2017.Blue Cross Blue Shield of MN dropped their individual market PPO plans at the end of 2016 due to significant financial losses.

That left Blue Plus (which offered HMOs and covered roughly 13,000 people in 2016 in the individual market) as the only BCBSMN affiliate in the exchange. Roughly 103,000 people had to select new plans during open enrollment.Most of those BCBSMN enrollees had off-exchange coverage, though. There were only about 20,400 MNsure enrollees (a little more than one in five MNsure enrollees) with coverage under BCBSMN who needed to switch to another plan during open enrollment.

BCBSMN had individual PPO options available in all 87 counties in Minnesota through MNsure in 2016, while the Blue Plus coverage area — comprised of four separate HMO networks — was available in 77 of the state’s counties.Nationwide, carriers have been shifting away from PPOs and towards HMOs and EPOs. In Colorado, Anthem Blue Cross Blue Shield also dropped their PPOs at the end of 2016. In Indiana, there were no PPOs available in the individual market by 2017.

Blue Cross Blue Shield of New Mexico dropped all of their individual market plans at the end of 2015 except one off-exchange HMO. Blue Cross Blue Shield of Texas dropped their individual market PPO plans at the end of 2015.The broad network offered by PPOs tends to be attractive to enrollees who have health problems. They’re often willing to pay higher premiums in trade for access to broad network of hospitals and specialists.

But PPOs are expensive for carriers, as enrollees don’t need primary care referrals to see specialists, and it’s more challenging for carriers to hold down costs when there are more providers in the network.All of the MNsure carriers except Blue Plus are also limiting their total enrollment for 2017. By November 11, 2016, less than two weeks into open enrollment for 2017 coverage, Medica had hit their 50,000 member enrollment cap for 2017 (including on and off-exchange enrollments, and also accounting for expected renewals of 2016 Medica plans), and their policies were no longer available in the individual market in Minnesota, on or off-exchange. The only exception was five counties (Benton, Crow Wing, Mille Lacs, Morrison, and Stearns) where Medica agreed not to limit enrollment, as all of the other available carriers in those counties have imposed enrollment caps too.

In those five counties, Medica plans continued to be available.At that point, Medica’s market share in MNsure for 2017 stood at 34.2 percent. By December 14, Medica’s market share had dropped to 27.7 percent, as enrollments had continued to climb for the remaining carriers.On January 31, Medica re-opened enrollment for 2017. This was because a smaller-than-expected number of 2016 Medica enrollees renewed their plans for 2017, meaning that the carrier still had some wiggle room under their 50,000 member cap.

At that point, they had room for about 7,000 more enrollees. Medica plans were thus available throughout the duration of the special enrollment period that was added on at the end of open enrollment, and continue to be available for people with qualifying events.2018. Plans continued to be available from Blue Plus, Health Partners/Group Health (GHI), Medica, UCare.

In the months before a decision was reached regarding an extension of the open enrollment window for 2018 plans (the first year that the federal government imposed a shorter, month-and-a-half enrollment window), two of MNsure’s participating insurers had differing positions. UCare believed the exchange should add an additional two-week special enrollment period, while Medica did not want the exchange to have the option to extend the newly-scheduled six-week enrollment window. Notably, Medica capped their enrollment very early during the 2017 open enrollment period, and while UCare also had an enrollment cap, it was set with a target of nearly doubling their 2016 enrollment.

But Medica is the only MNsure insurer that didn’t set an enrollment cap for 2018.As was the case for 2017, enrollment caps were used in the individual market in Minnesota for 2018 by all insurers other than Medica (Medica did have an enrollment cap for 2017, which they hit very early in open enrollment. However, they resumed enrollments at the end of January 2017). Details about the insurers’ enrollment caps are in the plan binders in SERFF.

For 2018, MNsure insurers implemented the following enrollment caps:Blue Plus. 55,000 member cap (aiming for a target of 50,000 effectuated enrollees, but effectuated enrollment is always lower than the number of people who initially enroll)Health Partners/Group Health (GHI). 73,400 member cap (aiming for a target of 70,000 effectuated enrollees)Medica.

No enrollment capUCare. 35,000 member cap (aiming for a target of 30,000 effectuated enrollees)MNsure confirmed in May 2018 that none of their insurers had hit their enrollment caps for 2018.Outside the exchange, PreferredOne had an enrollment cap of 3,000 members, although their 2017 membership was only about 300 people.2019 and 2020. Blue Plus, Health Partners/Group Health, UCare, and Medica have continued to offer plans through MNsure, and all of them continued to participate in 2020 as well.

Blue Plus expanded to once again offer statewide coverage in 2020, for the first time since 2016.2021. Quartz joined the exchange for 2021, joining the four existing insurers. HealthPartners and UCare are both expanding their coverage areas for 2021.Minnesota Premium Security Plan.

1332 waiver proposal approved by CMS, but with a significant funding cut for MinnesotaCareIn May 2017, Minnesota Governor Mark Dayton submitted a 1332 waiver proposal to CMS. The 1332 waiver was based on H.F.5, which was enacted without Dayton’s signature in April 2017 (Dayton had proposed an alternative measure that would have allowed people in Minnesota to buy into MinnesotaCare. That measure was not able to pass the state’s Republican-dominated legislature).[For more than two decades, MinnesotaCare was a state program subsidizing health insurance for low-income residents.

As of January 1, 2015, it transitioned to a Basic Health Program under the ACA, becoming the first BHP in the nation.]H.F.5 created the Minnesota Premium Security Plan (MPSP), which is a state-based reinsurance program (similar to the one the ACA implemented on a temporary basis through 2016, and that Alaska created for 2017. Several other states have since implemented reinsurance programs). The reinsurance program, which took effect in Minnesota in 2018, covers a portion of the claims that insurers face, resulting in lower total claims costs for the insurers, and thus lower premiums (average individual market premiums in Minnesota decreased from 2017 to 2018 as a result of the reinsurance program).

The reinsurance kicks in once claims reach $50,000, and covers them at 80 percent up to $250,000 (this is similar to the coverage under the transitional reinsurance program that the ACA provided from 2014 through 2016).H.F.5 was contingent upon approval of the 1332 waiver, because it relies partially on federal funding, in addition to state funding. Under the federal approval that was granted in September 2017, the federal government is giving Minnesota the money that they save on premium tax credits, and that money is combined with state funds to implement the reinsurance program (lower premiums — as a result of the reinsurance program — result in the federal government having to pay a smaller total amount of premium tax credits, since the tax credits are smaller when premiums are smaller).It was expected that CMS would approve the state’s 1332 waiver proposal, and Governor Dayton requested that the approval process be swift so that the state could move forward with the implementation of the Minnesota Premium Security Plan in time for the 2018 plan year. Dayton indicated that his office had been told that approval would come in August 2017, but CMS didn’t approve the waiver until September 22.

And the waiver approval letter noted that the federal savings for MinnesotaCare (the state’s Basic Health Program, or BHP) resulting from the reinsurance program would not be eligible to be passed along to the state — in other words, CMS would keep those savings instead.[Federal BHP funding is equal to 95 percent of the amount that the federal government would have otherwise spent on premium subsidies and cost-sharing reductions for the population that ends up being eligible for the BHP. So lower premiums — as a result of reinsurance — for qualified health plans in the exchange means that the amount the federal government would have had to spend on premium subsidies for that population is lower. That translates into a smaller amount of funding for the state’s BHP, according to the approach that HHS took for Minnesota’s waiver approval.]And based on the scathing letter that Dayton sent CMS a few days earlier, it appeared at that point that Minnesota could actually lose money on the deal — losing more in federal funding for MinnesotaCare than they gain in reinsurance funding.

Dayton noted in his letter that the 1332 waiver approval process had been “nightmarish,” and that Minnesota went to great lengths to follow instructions from CMS at every turn, throughout the process of drafting H.F.5 and the 1332 waiver proposal. He explains that CMS provided Minnesota with explicit guidance in terms of how to draft the reinsurance program while maintaining full federal funding for MinnesotaCare, and highlighted the fact that the state never deviated from the instructions that were provided.The StarTribune editorial board called out then-Secretary of HHS, Tom Price and the Trump Administration for their lack of clarity on the issue, for apparently misleading the state during the 1332 waiver drafting process, and for effectively punishing the state of Minnesota for taking an innovative approach to ensuring that as many people as possible have health insurance.Insurers filed rates based on reinsurance being available. And by the time the waiver was approved, there was very little time to evaluate the potential impacts of the funding changes, as rates had to be finalized by October 2 in Minnesota.

The finalized rates did incorporate the reinsurance program. The state has accepted the approved waiver, but Gov. Dayton sent a letter to HHS on October 3, asking them to reconsider the MinnesotaCare funding cuts, but the issue has remained unresolved.Elimination of CSR funding results in additional funding cut for MinnesotaCare, but a lawsuit has partially restored that fundingNationwide, 54 percent of exchange enrollees benefit from cost-sharing subsidies.

But in Minnesota, only 13 percent of exchange enrollees are receiving cost-sharing subsidies. This is because of MinnesotaCare, which covers all enrollees with income up to 200 percent of the poverty level. That’s the same group that would otherwise benefit the most from cost-sharing subsidies, so the fact that MinnesotaCare is available means that most of the people who would otherwise be enrolled in cost-sharing subsidy plans are instead enrolled in MinnesotaCare.At first glance, this would appear to have made the uncertainty surrounding cost-sharing subsidy funding in 2017 a little less of a pressing issue in Minnesota than it was in many other states, since private insurers weren’t facing the sort of losses that insurers in other states were facing without federal funding for CSR.

But when the Trump Administration eliminated federal funding for CSR in October 2017, HHS took the position tha t since CSR funding had been eliminated, the CSR portion of the federal funding for the BHPs in New York and Minnesota would be reduced to $0. This was not a cut-and-dried conclusion, however, as explained earlier in 2017 by Michael Kalina.In January 2018, the Attorneys General for New York and Minnesota filed a lawsuit against the US Department of Health and Human Services, seeking to restore funding for their Basic Health Programs. A judge ruled in favor of the states in May 2018, ensuring that MinnesotaCare would continue to receive at least some CSR-based funding.

The amount awarded to the state for the first quarter of 2018 was just over half of what the state had initially expected in CSR-related funding, but a larger chuck of the funding was restored later in 2018. According to the Star Tribune, however, Minnesota still ended up losing $161 million in federal funding for MinnesotaCare due to the CSR funding cuts.In early 2019, the Trump administration proposed yet another funding cut (a third, after the cuts imposed by the reinsurance program and the elimination of CSR funding) as part of a new methodology for calculating BHP funding. This one was much smaller than the other two cuts, but taken together the funding reductions are pushing MinnesotaCare towards a looming budget shortfall.

SHOP exchange. Down to one carrier as of 2016, zero by 2018 (and still zero in 2019)In 2015, there were two carriers in MNsure’s SHOP exchange for small businesses. Blue Cross Blue Shield of Minnesota, and Medica.

But Medica announced in 2015 that they would exit the SHOP exchange in Minnesota, North Dakota, and Wisconsin at the end of the year. That left BCBS as the only small group carrier available through MNsure in 2016, but it didn’t change much from a practical standpoint, since 83 percent of MNsure’s small groups were enrolled in plans through BCBS in 2015. Indeed, Medica’s reason for exiting the small business exchange was based on low enrollment in the first two years.Blue Cross Blue Shield of Minnesota continued to be the only insurer offering SHOP coverage via MNsure in 2017, but announced in July 2017 that they would no longer offer SHOP coverage in 2018, and would instead transition their SHOP enrollees to small business coverage outside the exchange.

At that point, there were only 3,287 people enrolled in SHOP coverage in Minnesota — far below the 155,000 people that were originally projected to have coverage through MNsure’s SHOP program by 2016 (this much lower-than-anticipated enrollment has been the case in nearly every state’s SHOP exchange. This situation is not unique to Minnesota). State law provided 25% premium rebate in 2017.

Amendment to allow plans without essential benefits was cut from final legislationThroughout 2016, then-Governor Dayton called for a state-funded premium rebate for people who buy their own insurance but aren’t eligible for the ACA’s premium subsidies (those are only available for people with income up to 400 percent of the poverty level, or $100,400 for a family of four in 2019).Governor Dayton also noted that the government needed to act quickly to stabilize the individual market in Minnesota, and by late November 2016, his patience with lawmakers was wearing thin. In a November 23 press conference, Dayton said that House Republicans needed to “stop dilly-dallying” and decide whether to move forward with Dayton’s rebate proposal.Dayton had also indicated that he was considering calling a special session of the legislature after election day to address the situation, and that was being negotiated for December 20. But the talks fell through when Dayton and Republican House Speaker Kurt Daudt couldn’t agree on the three bills that would have been addressed in the special session.

As a result, there was no special session.Instead, the issue was taken up by lawmakers as soon as the 2017 legislative session began. On January 5, Minnesota Senators Michelle Benson (R, 31st District) and Gary Dahms (R, 16th District) introduced S.F.1. The bill called for using $300 million in state funding to provide a 25 percent rebate to roughly 125,000 people in Minnesota.S.F.1 passed the Minnesota Senate by a 35-31 vote on January 12.

Only one DFL Senator (Melisa Franzen, from Edina) voted with Republicans in favor of the legislation. It was then sent to the House, where an amendment was added that stripped out the requirement that health plans provide various mandated benefits (see “Journal of the Day” section “Top of page 154” in this version of the bill. Under the terms of the amendment, as long as a carrier offered at least one plan with all the mandated benefits, they would have been allowed to offer others without mandated benefits).The amended bill was sent back to the Senate on January 23.

Differences between the bills that the two chambers passed had to be reconciled before being sent to Governor Dayton for his signature. By that point, the amendment to allow less-robust plans to be sold had garnered national attention, and public outrage helped to push lawmakers away from the provision. S.F.1 had also called for $150 million to be appropriated for fiscal year 2018 (through June 30, 2019) from the state general fund to a state-based reinsurance program to stabilize the individual market (Alaska did something similar in 2016, preventing a market collapse), but that provision was also removed in the final version (Minnesota did ultimately set up a reinsurance program, effective in 2018, which has served to stabilize the market and reduce premiums).A Conference Committee in the Senate recommended that the House “recede from its amendments” and the Conference Committee report passed the Senate on a 47-19 vote.

The House passed the bill a few hours later, 108-19. It was sent to Governor Dayton, who immediately signed it into law. DFLers did have to compromise on one issue during the process.

S.F.1 allows for-profit HMOs to begin operating in Minnesota’s individual market, which had long been limited to non-profit HMOs.Consumers were told to expect the premium rebates to show up by April 2017, but they were retroactively effective to January 2017. So a person who had been paying full price for a plan since January 2017 saw a substantial premium reduction on the April or May invoice. Going forward, for the remainder of the year, a 25 percent rebate applied each month.Since S.F.1 was signed into law with only a few days remaining in open enrollment (it ended January 31 that year), Governor Dayton and exchange officials were worried that there wouldn’t be enough time for people to learn about the rebate and apply for coverage before January 31.

In December, Dayton had asked HHS to allow MNsure to extend its enrollment deadline to February 28 (instead of January 31) in order to allow lawmakers more time to work out the details of a state-based premium rebate while still allowing people to enroll after the legislative process is complete.HHS denied the request for a blanket extension, but MNsure used their own authority on January 28 to grant a one-week special enrollment period (February 1 to February 8) due to exceptional circumstances. Although the state-based 25 percent premium rebate was available on or off the exchange, the one-week extension was only valid through MNsure. Health insurers did not have to accept off-exchange enrollments without a qualifying event after January 31.The 25 percent premium rebate program in Minnesota was only authorized for one year, so the rebates did not continue into 2018.

And although almost 100,000 people received premium relief through the program in 2017, it ended up costing less than the legislature had allocated, and about $100 million was returned to the state’s budget at the end of 2017.Protecting Medicaid enrollees from estate liensIn every state, Medicaid is jointly funded by the state and the federal government. Longstanding federal regulations, which predate the ACA, require states to “seek recovery of payments from the individual’s estate for nursing facility services, home and community-based services, and related hospital and prescription drug services” for any Medicaid enrollee over the age of 55. This applies essentially to long-term care services, but states also have the option to go after the individual’s estate to recover costs for other care that was provided by Medicaid after age 55.Prior to 2014, this wasn’t typically an issue, as Medicaid eligibility was generally restricted by asset tests or requirements that applicants be disabled or pregnant (although Minnesota did have much more generous Medicaid eligibility guidelines than most states prior to 2014).

But as of 2014, in states that expanded Medicaid under the ACA, the only eligibility guideline is income. Applicants with income that doesn’t exceed 138 percent of the poverty level are directed to Medicaid, regardless of any assets they might have.When applicants use the health insurance exchange — MNsure in Minnesota — they’re automatically funneled into Medical Assistance (Medicaid) if their income is under 138 percent of the poverty level. But what these enrollees didn’t know was that the state also had a program in place to put liens on estates for Medicaid-provided services for people age 55 and older.The combination of these systems caught numerous residents off guard.

They were enrolled in Medical Assistance through MNsure based on their income, but were not aware that liens were being placed on their homes so that the state could recoup the costs upon their deaths.State Senator Tony Lourey (DFL, District 11) addressed the issue with language included in HF2749, the Omnibus supplemental budget bill, which was signed into law by Governor Dayton on June 1, 2016. The legislation limits estate recovery to just what’s required under federal Medicaid rules (ie, essentially, long-term care costs for people age 55 or older), and makes the provision retroactive to January 1, 2014.Early tech strugglesMNsure opened for business in the fall of 2013, but technological issues persisted well into 2015, despite numerous improvements throughout 2014. Given MNsure’s difficult launch, the state conducted a series of audits and reviews.

The first audit reviewed how MNsure spent state and federal money. Auditors concluded that the exchange has generally adequate internal controls and found no fraud or abuse. The review was conducted by the state Office of the Legislative Auditor, and the report was published in October 2014.Another audit, also conducted by the Office of the Legislative Auditor and released in November 2014, found that the MNsure system in some cases incorrectly determined who qualified for public health benefits.

The errors occurred during the first open enrollment period, before a series of system fixes were implemented. The audit did not quantify the total financial impact of the errors. The state Human Services commissioner said a consultant working on technical fixes to MNsure concluded that the eligibility functionality was working correctly as of June 2014.A third audit, a performance evaluation report released in February 2015, said “MNsure’s failures outweighed its achievements.” Among other criticisms, auditors said MNsure staff withheld information from the board of directors and state officials, the enrollment website was seriously flawed and launched without adequate testing, and the first-year enrollment target was unrealistically low.In April 2014, MNsure hired Deloitte Consulting to audit MNsure’s technology and improve the website to make enrolling in coverage and updating life events easier and more streamlined.

Deloitte has been involved in successful state-run marketplaces for Connecticut, Kentucky, Rhode Island and Washington.Software upgrades were installed in August 2014, and system testing continued right up until the start of open enrollment. To reduce wait times for consumers and insurance professionals, MNsure increased its call center and support staff and launched a dedicated service line for agents and brokers.More in-person assisters were available in Minnesota for the 2015 open enrollment period. MNsure encourages residents to utilize the exchange’s assister directory to find local navigators and brokers who can help with the enrollment process.MNsure has improved dramatically in terms of its technology since the early days of ACA implementation, and enrollment increased every year from 2014 through 2019.Lawmakers approved switching to HealthCare.gov as of 2019, but governor vetoedOn May 9, 2017, lawmakers in Minnesota passed SF800, an omnibus health and human services bill.

Among many other things, the legislation called for switching from MNsure to the federally-run marketplace (HealthCare.gov) starting in 2019 (see Section 5). But Governor Dayton vetoed it.Gov. Dayton has long been supportive of MNsure, and had previously clarified that he would veto the bill.

In noting his plans to veto the legislation, Dayton made no mention of the transition to HealthCare.gov that was included in the legislation, but focused instead on the sharp budget cuts in the bill. But his veto ensured that MNsure would remain in place, at least for the time being.The Senate’s original version of SF800 did not call for scrapping MNsure, but the bill went through considerable back-and-forth between the two chambers, and the version that passed was the 4th engrossment of the bill.In March 2015, Dayton had asked the legislature to create a Task Force on Health Care Financing that would study MNsure along with possible future alternatives. Dayton noted in his letter that he supported making MNsure “directly accountable to the governor and subject to the same legislative oversight as other state agencies” and his budget included half a million dollars devoted to the task force.

The spending bill was approved by the legislature in May, and the 29-member task force was appointed in the summer.One of the possibilities that the task force considered was the possibility of switching to Healthcare.gov, but it’s clear that there was no cut-and-dried answer to the question of whether Minnesota is better served by having a state-run exchange, switching to a federally-run exchange, or teaming up with the federal government on either a supported state-based marketplace or partnership exchange.In a December 2015 meeting of the task force, the MN Department of Human Services presented a financial analysis of the alternatives available to MNsure. They determined that switching entirely to Healthcare.gov would cost the state an additional $5.1 million in one-time costs from June 2016 to June 2017. And switching to a supported state-based marketplace would cost an additional $6.6 million during that same time frame.

If the state had opted to switch to Healthcare.gov, the soonest it could have happened was 2018, since HHS requires a year’s notice from states wishing to transition to Healthcare.gov, and Minnesota wouldn’t have been in a position to make a decision until sometime in 2016.There were significant reservations about making that switch prior to the Supreme Court’s ruling on King v. Burwell. The Court ruled in June 2015 that subsidies are legal in every state, including those that use Healthcare.gov.

Prior to the decision, a switch to Healthcare.gov could have jeopardized subsidies for tens of thousands of Minnesota residents. But once it was clear that Healthcare.gov’s subsidies are safe, some stakeholders began calling for Minnesota to scrap its state-run exchange and use Healthcare.gov instead. Because the MNsure task force was included in the 2016 budget, no hasty decisions were made.In January 2016, the task force submitted their recommendations to the legislature.

They covered a broad range of issues, but did not recommend that MNsure transition to the federal enrollment platform. Lawmakers essentially left the exchange alone during the 2016 legislative session.The magnitude of the 2016 rate increases that were announced in October resulted in MNsure opponents renewing their calls to switch to Healthcare.gov. But it’s important to keep in mind that the 41 percent weighted average rate hike in Minnesota was market-wide, and did not just apply to MNsure enrollees.

In fact, the off-exchange carrier (PreferredOne) had among the highest rate hikes in the state for 2016, at 39 percent, and the exchange’s weighted average rate increase (38.5 percent) was lower than the weighted average rate increase for the whole individual market (41 percent).Minnesota health insurance exchange linksMNsure855-3MNSURE (855-366-7873)State Exchange Profile. MinnesotaThe Henry J. Kaiser Family Foundation overview of Minnesota’s progress toward creating a state health insurance exchange.Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006.

She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts..

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In Matters of the kamagra canada manufacturer Heart. History, Medicine, Emotion (Bound Alberti, 2010), I posited that the heart of culture and the heart of science became disconnected in the nineteenth century. That the heart which had for centuries been the centre of life, emotions and personhood lost out to the brain as the organ par excellence of selfhood. This process was not clear-cut or kamagra canada manufacturer definitive.

There had been interest in craniocentric versions of the self in the ancient world, and there is continued emphasis in the emotional heart in the present day, as Josh Hordern’s article explores through such examples as the organ scandal at Alder Hey Children’s Hospital in Liverpool. So, what is it about the heart, that peculiar, emotive and sensorially charged organ, that continues to be associated with some essence of the self?. After all, in medical terms, it is a mere pump.Except that the heart-as-pump is beginning kamagra canada manufacturer to lose favour. Not in teaching or mainstream popular dialogue, where the pump metaphor has become ubiquitous, to explain the movement of the heart, and as a way of connecting to the ‘spare parts’ model of the body.

Viewing the body as a series of spare parts is critical to the principles and practice of organ donation. That is not to say that the process must be an unemotional one.

That the heart which had for centuries been the buy cheap kamagra online centre of life, emotions buy kamagra uk next day delivery and personhood lost out to the brain as the organ par excellence of selfhood. This process was not clear-cut or definitive. There had been interest in craniocentric versions of the self in the ancient world, and there is continued emphasis in the emotional heart in the present day, as Josh Hordern’s article explores through such examples as the organ scandal at Alder Hey Children’s Hospital in Liverpool. So, what is it about the heart, that peculiar, emotive and buy cheap kamagra online sensorially charged organ, that continues to be associated with some essence of the self?.

After all, in medical terms, it is a mere pump.Except that the heart-as-pump is beginning to lose favour. Not in teaching or mainstream popular dialogue, where the pump metaphor has become ubiquitous, cheap kamagra online canada to explain the movement of the heart, and as a way of connecting to the ‘spare parts’ model of the body. Viewing the body as a series of spare parts buy cheap kamagra online is critical to the principles and practice of organ donation. That is not to say that the process must be an unemotional one.

Organ donation rests principally on the idea of the ‘gift’, of an altruistic exchange from one person to another. It also raises questions about bodily ownership, however, especially given the development of presumed consent via the ‘opt-out’ system of transplantation in the UK as in many other countries.It is difficult to align popular perceptions about the heart as a site ….

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Latest Pregnancy News WEDNESDAY, how to open kamagra jelly How to buy cipro online Jan. 27, 2021 (American Heart Association News)Complications during pregnancy are widespread, becoming more common and often overlooked as warning signs about a woman's heart health.Which is how to open kamagra jelly why for the first time, in an effort to guide clinicians and empower women, the authors of a widely used reference on the facts and figures surrounding cardiovascular diseases are including information on adverse pregnancy outcomes.Pregnancy has been termed a window into the future of a woman's cardiovascular health, said Dr. Sadiya S. Khan, an assistant professor of medicine how to open kamagra jelly and preventive medicine at Northwestern University Feinberg School of Medicine in Chicago.

"It's nature's stress test. And it is such an important time period for both mom how to open kamagra jelly and child."Khan served on the writing committee for the American Heart Association's statistical update published Wednesday in its journal Circulation. The annually revised work, compiled in conjunction with the National Institutes of Health, summarizes the latest, most significant data on heart disease, stroke and related conditions.Adding a chapter on pregnancy complications puts that issue "front and center," said Dr. Salim Virani, chair how to open kamagra jelly of the report's writing committee and a professor of cardiology and cardiovascular research at Baylor College of Medicine in Houston.

The goal is to gain valuable years in the fight against heart disease in women and their children – and to help women work how to open kamagra jelly with their health care team to make sure they're getting the treatment they need.Khan said that in young women with no apparent signs of heart disease, pregnancy is a "unique and natural time" to unmask hidden risk for heart disease. "During pregnancy, your weight changes. Your blood how to open kamagra jelly pressure may change. Your glucose levels may change.

And so the combined cardiometabolic stress test of pregnancy can be really informative and guide interventions to reduce risk for heart disease."Complications such as preeclampsia (a pregnancy-related condition defined by high blood pressure and organ damage), gestational diabetes (diabetes that arises during pregnancy), gestational hypertension how to open kamagra jelly (high blood pressure that arises during pregnancy), and preterm and underweight babies can be warning signs for later heart disease, strokes and heart failure."You can identify these high-risk women early on," Virani said. "Then you have opportunities to work on their risk factors, whether they are seen by a primary care clinician or by their OB-GYN."Among the statistics highlighted in the new chapter:– Rates of blood pressure-related complications in pregnancy almost doubled in the U.S. Between 1993 and 2014, from 528.9 per 10,000 births in hospitals to 912.4.– The frequency of gestational diabetes hit 6% in 2016, up 0.4% from four years earlier.– Cardiovascular deaths are the most common cause of maternal deaths – at 26.5%.– Black women face a risk of dying during how to open kamagra jelly or soon after pregnancy that's 2.5 times greater than white women and three times greater than Hispanic women.Overall, 10% to 20% of women will have some kind of health issue during pregnancy. And the problems don't end once the pregnancy does.

According to studies cited in the guide:– High blood pressure that develops during pregnancy was associated with a 67% higher risk of later cardiovascular how to open kamagra jelly disease. SLIDESHOW how to open kamagra jelly Conception. The Amazing Journey from Egg to Embryo See Slideshow – Preeclampsia was associated with a 75% higher risk of later death from cardiovascular disease.– The odds of cardiovascular disease in women who had gestational diabetes was 68% higher compared with those who did not.Paying attention to such issues could make a difference in the health of huge numbers of women, Virani said.In practical terms, pregnancy offers a chance to reach women while they are sure to be in contact with a clinician, he said. For clinicians, it's a potential teachable moment for explaining a woman's risk for future problems and "why it is important for you to take care of yourself with good lifestyle going forward."The information is not just for how to open kamagra jelly medical experts, Khan said.

"One of the reasons that we were so interested in bringing this data to the statistical update was to enhance awareness and help to empower women in regards to their own health – prior to pregnancy, during pregnancy, and immediately following pregnancy."Many women see an OB-GYN for most of their medical care, and messages about heart health can get lost in the transition when that phase of their lives ends, she and Virani said. So women should make sure information about how to open kamagra jelly pregnancy complications is shared among their doctors."It doesn't have to be the clinician who always brings it up," Virani said. A woman can say, "I had high blood pressure during pregnancy. Sure, my blood pressure has come down – but what should I do now so my risk of developing high blood pressure or cardiovascular how to open kamagra jelly disease in the future goes down?.

"Khan said the new chapter serves an important role in raising awareness at a time when fewer women are aware that heart how to open kamagra jelly disease is the No. 1 killer of women in America. "I do think that that is a really important part of really connecting with women and identifying these risk factors and finding a way to change future cardiovascular health for women and for how to open kamagra jelly their children."American Heart Association News covers heart and brain health. Not all views expressed in this story reflect the official position of the American Heart Association.

Copyright is owned or held by the how to open kamagra jelly American Heart Association, Inc., and all rights are reserved. If you have questions or comments about this story, please email [email protected]By Michael MerschelAmerican Heart Association NewsCopyright © 2020 HealthDay. All rights how to open kamagra jelly reserved. From Women's Health Resources Featured Centers Health Solutions From Our Sponsors.

Latest Pregnancy News WEDNESDAY, Jan buy cheap kamagra online. 27, 2021 buy cheap kamagra online (American Heart Association News)Complications during pregnancy are widespread, becoming more common and often overlooked as warning signs about a woman's heart health.Which is why for the first time, in an effort to guide clinicians and empower women, the authors of a widely used reference on the facts and figures surrounding cardiovascular diseases are including information on adverse pregnancy outcomes.Pregnancy has been termed a window into the future of a woman's cardiovascular health, said Dr. Sadiya S. Khan, an assistant professor of medicine and preventive buy cheap kamagra online medicine at Northwestern University Feinberg School of Medicine in Chicago. "It's nature's stress test.

And it buy cheap kamagra online is such an important time period for both mom and child."Khan served on the writing committee for the American Heart Association's statistical update published Wednesday in its journal Circulation. The annually revised work, compiled in conjunction with the National Institutes of Health, summarizes the latest, most significant data on heart disease, stroke and related conditions.Adding a chapter on pregnancy complications puts that issue "front and center," said Dr. Salim Virani, chair of the buy cheap kamagra online report's writing committee and a professor of cardiology and cardiovascular research at Baylor College of Medicine in Houston. The goal is to gain valuable years in the fight against heart disease in women and their children – and to help women work with their health care team buy cheap kamagra online to make sure they're getting the treatment they need.Khan said that in young women with no apparent signs of heart disease, pregnancy is a "unique and natural time" to unmask hidden risk for heart disease. "During pregnancy, your weight changes.

Your blood buy cheap kamagra online pressure may change. Your glucose levels may change. And so the combined cardiometabolic stress test of pregnancy can be really informative and guide interventions to reduce risk for heart disease."Complications such as preeclampsia (a pregnancy-related condition defined by high blood pressure and organ damage), gestational diabetes (diabetes that arises during pregnancy), gestational hypertension (high blood pressure that arises during pregnancy), and preterm and underweight babies can be buy cheap kamagra online warning signs for later heart disease, strokes and heart failure."You can identify these high-risk women early on," Virani said. "Then you have opportunities to work on their risk factors, whether they are seen by a primary care clinician or by their OB-GYN."Among the statistics highlighted in the new chapter:– Rates of blood pressure-related complications in pregnancy almost doubled in the U.S. Between 1993 and 2014, from 528.9 per 10,000 births in hospitals to 912.4.– The frequency of gestational buy cheap kamagra online diabetes hit 6% in 2016, up 0.4% from four years earlier.– Cardiovascular deaths are the most common cause of maternal deaths – at 26.5%.– Black women face a risk of dying during or soon after pregnancy that's 2.5 times greater than white women and three times greater than Hispanic women.Overall, 10% to 20% of women will have some kind of health issue during pregnancy.

And the problems don't end once the pregnancy does. According to studies cited in the guide:– High blood pressure that develops during buy cheap kamagra online pregnancy was associated with a 67% higher risk of later cardiovascular disease. SLIDESHOW Conception buy cheap kamagra online. The Amazing Journey from Egg to Embryo See Slideshow – Preeclampsia was associated with a 75% higher risk of later death from cardiovascular disease.– The odds of cardiovascular disease in women who had gestational diabetes was 68% higher compared with those who did not.Paying attention to such issues could make a difference in the health of huge numbers of women, Virani said.In practical terms, pregnancy offers a chance to reach women while they are sure to be in contact with a clinician, he said. For clinicians, it's a potential teachable moment for explaining a woman's risk for future problems and "why it is important buy cheap kamagra online for you to take care of yourself with good lifestyle going forward."The information is not just for medical experts, Khan said.

"One of the reasons that we were so interested in bringing this data to the statistical update was to enhance awareness and help to empower women in regards to their own health – prior to pregnancy, during pregnancy, and immediately following pregnancy."Many women see an OB-GYN for most of their medical care, and messages about heart health can get lost in the transition when that phase of their lives ends, she and Virani said. So women should make sure information about pregnancy buy cheap kamagra online complications is shared among their doctors."It doesn't have to be the clinician who always brings it up," Virani said. A woman can say, "I had high blood pressure during pregnancy. Sure, my blood pressure has come down – but what should I do now so my risk of developing high blood pressure buy cheap kamagra online or cardiovascular disease in the future goes down?. "Khan said the buy cheap kamagra online new chapter serves an important role in raising awareness at a time when fewer women are aware that heart disease is the No.

1 killer of women in America. "I do think that that is a really important buy cheap kamagra online part of really connecting with women and identifying these risk factors and finding a way to change future cardiovascular health for women and for their children."American Heart Association News covers heart and brain health. Not all views expressed in this story reflect the official position of the American Heart Association. Copyright is owned or held by the American Heart Association, Inc., and all rights are buy cheap kamagra online reserved. If you have questions or comments about this story, please email [email protected]By Michael MerschelAmerican Heart Association NewsCopyright © 2020 HealthDay.

All rights reserved buy cheap kamagra online. From Women's Health Resources Featured Centers Health Solutions From Our Sponsors.