Washington Health Benefit Exchange WACOMO Quarterly Meeting June 19, 2015 Libby Weisdepp, Access and Education Specialist

Open Enrollment 3 checklist DONE: Medicaid Plan Selection Eligibility-Lawful Presence Webinar Language Resources page on corporate website Security training-testing under way TO DO: Get a budget for 2016 Improve Issue Resolution Payment/Invoicing moving to Carriers Tools and Training – QHP enrollments and health literacy RFP and Contracting with Lead Organizations

What’s changing for Navigators in OE 3? IPAs will transition to Navigator role -- Medicaid and QHP enrollment Primary role of Navigators leading up to and during open enrollment will be QHP outreach- enrollment Consumer education/health literacy QHP retention/renewal Data collection

2013 Medicaid Eligible Uninsured Washington

2014 Medicaid Eligible Uninsured Washington

2015* Medicaid Eligible Uninsured Washington *Estimates for 2015 are preliminary and do not account for net changes in employer- sponsored coverage and other private insurance coverage outside the Exchange.

2013 QHP Eligible Uninsured Washington

2014 QHP Eligible Uninsured Washington

2015* QHP Eligible Uninsured Washington *Estimates for 2015 are preliminary and do not account for net changes in employer- sponsored coverage and other private insurance coverage outside the Exchange.

Uninsured Summary Uninsured and WAH Eligible132,00039% Uninsured and QHP/Tax Credit Eligible 204,00061% Total Uninsured336, % Enrollees at end of OE2: WAH533,628 77% QHP158,302 23% Total Enrollees691,930100%

Insurance Literacy: What We Know Cost-sharing terminology is confusing, e.g., terms like co-insurance, out-of-pocket maximum Benefits terminology is confusing, e.g., the difference between a screening and diagnostic tests Consumers don’t switch insurance plans, even when there are better choices available Certain type of formats used to present information confuse most people, e.g., tables of family size and income The more plans there are to pick from, the less consumers are able to pick the right plan for themselves Consumers do not like shopping for health insurance and lack confidence in their ability to assess their choices Math presents difficulties in consumers ability to understand health plan options Quincy, L. & Child, W. (2012) Measuring Health Insurance Literacy: A Call to Action. Consumers Union.

HBE Health Insurance Literacy Vision All Washington residents know how and where to access health insurance. All Washington residents understand their health insurance options, their rights, their cost, their responsibilities and their coverage. All Washington residents know the value of health insurance in staying healthy across their lifespan.

Popular Consumer Tools

Consumer Tools in Development for OE3 Metal (Coverage) Levels Cost Sharing Reductions Essential Health Benefits Immigration Quick Reference Guide What to Expect After You Enroll Understanding Your Medical Bill

Navigator Tools in Development Enrollment process to incorporate insurance literacy ◦Why insurance matters ◦How insurance works ◦Explaining key insurance terms ◦Metal Level Guide ◦Other tools, including tax credits, More in-depth training on: ◦Tax credits ◦Cost-sharing ◦Plan information New follow up requirements, including: ◦Check ins on payment (post Premium Aggregation Removal) ◦Explaining tax process (1095 forms, exemptions) ◦Scheduling appointment near renewal

Next Steps Request for Proposals to re-bid Navigator Lead Organization contracts set for release July 1 st Navigator focus group is convening to guide consumer education tool development this summer Robust training on QHPs, tax credits, cost sharing, and insurance literacy prior to OE3 Washington Healthplanfinder 3.0 release (premium aggregation removal) scheduled September 24 th – training TBD Open enrollment is 134 days away! 16