Washington Health Benefit Exchange Outreach Technical Advisory Committee November 14, 2014

Meeting Protocol ▪ Open public meeting ▪ Callers are in listen-only mode ▪ Participation limited to Outreach TAC Members ▪ Public comment period at end of meeting ▪ GotoWebinar ▪ Chat feature ▪ Raise your hand ▪ We will unmute committee members (please mute your own phone) 2

3 Outreach Technical Advisory Committee Membership Eric EarlingPremera Carrie GloverWithin Reach Julie SeversonNeighborhood House Matthew McColmOffice of Raul Martinez Farmers Insurance Robin HillearyModa Health Sally MildrenCoordinated Care Courtney NormandPlanned Parenthood Votes Northwest Patricia GepertWash. Association of Community and Migrant Health Centers Brittany JonesCowlitz Indian Tribal Health Clinic new! Suzanne PakCornerstone Medical Services Dr. James PoloMary Bridge Children’s Healthcare Mary WoodHealth Care Authority

Agenda 4 Welcome and HBE Update Washington Healthplanfinder Business Update Board Presentation Discussion – Outreach

Washington Health Benefit Exchange Health Benefit Exchange Update November 14, 2014

HBE Updates – Open Enrollment Readiness ▪ Healthplanfinder Release 2.0 ▪ Landing Page ▪ Correspondence ▪ Auto Renew ▪ Manual Renew ▪ Renewal Functionality ▪ New payment options ▪ Healthplanfinder Business Functionality 6

HBE Updates - Budget ▪ State Operating Budget ▪ Meeting with Legislative Committees ▪ Budget Request submitted with HCA package ▪ Supplemental Grant Requests ▪ Operations through summer 2015 ▪ Development/Implementation through

HBE Updates - Operations ▪ Call Center ▪ 460 CSRs and increasing to 500 by December ▪ Open Saturday-Sunday ▪ Appointments for Navigators, Brokers ▪ Navigators/Brokers ▪ 2015 Training and Recertification ▪ Event calendar ▪ Outreach Material ▪ Existing material updated ▪ New health literacy material ▪ Corporate website redesign ▪ New tv ads, radio (multiple languages), print, digital 8

Healthplanfinder Business Update ▪ Opened statewide on 10/17 ▪ More than 360 employer accounts created ▪ High Ranking Counties: ▪ King County ▪ Snohomish County ▪ Spokane County ▪ Thurston County ▪ Upcoming Enrollment Events ▪ Dec. 4 th at South Seattle Community College 4-7PM ▪ Dec. 10 th at Hilton hotel Vancouver, WA 4-7PM ▪ Event partners: Small Business Administration, Moda Health, Kaiser Permanente, WeWork, Employment Benefits Security Association, WA Association of Health Underwriters

Washington Health Benefit Exchange Premium and Subsidy Analysis November 14, 2014

Purpose of Analysis ▪ Understand impacts to consumer portion of premium payment ▪ Premium increases ▪ Changes in benchmark silver plan (second lowest silver plan) ▪ HIPTC subsidy changes ▪ Geographic areas of greater impact ▪ Communicate potential impacts to consumers, IPAs, Brokers, CSRs 11

Results of Wakely Report on Plan Pricing Before application of subsidies, rates are increasing by 2.9% on average (weighted by enrollment). Rates for bronze and silver plans are increasing by 3% –4% on average 53.5% of WAHBE customers are enrolled in silver level plans; 37.6% are in bronze plans 25% –30% of bronze and silver plan enrollees selected the lowest cost plan in that metal level; only 10% of gold plan enrollees selected the lowest cost gold plan 48% of silver enrollees are in the two lowest cost plans

What is Changing for Consumers 90% of enrollees reside in areas of the state where the second lowest cost silver premium is decreasing. o 60% of enrollees reside in areas where the second lowest cost silver premium decreased by 6% or more. o 35% of enrollees reside in King county where the second lowest cost silver premium is decreasing by 10% The identity of the second lowest cost silver plan is changing in 27 out of the 39 counties which accounts for 90% of enrollees. The lowest cost silver plan is changing in all but three counties

Important Message for the Current Subsidized Population Your cost may be changing: Because of the interaction of generally falling subsidies and generally rising premiums, most subsidized enrollees will experience a net (after-subsidy) premium increase of more than the before-subsidy rate change, if they simply auto-renew There may be a new plan that is more affordable: Many subsidized enrollees will have access to lower cost plans if they shop and move to a different plan in 2015 and in some cases their premiums could be lower than what was available in 2014

What This Change Looks Like for “Ted” Ted is 40, single, lives in Seattle (King county) and has an annual income of roughly $23,000, or 200% FPL o Subsidy calculation is based on household contribution of 6.3% of income, or $120 / month toward the 2ndlowest cost silver plan (benchmark) o The 2 nd lowest cost silver in 2014 is $280/month for a 40-year old single, so Ted’s subsidy is $160/month ($280-$120) Ted picks the lowest cost silver plan in 2014 ($245) and pays $85/month, after the tax subsidy of $160/month For 2015, Ted’s income is unchanged, but his tax subsidy falls to $140 because the second lowest cost plan in 2015 only costs $260

What This Change Looks Like for “Ted” ▪ Ted’s plan is no longer the lowest cost silver plan, so he must “buy- up” from the benchmark if he wants to continue in it ▪ Monthly rate for Ted’s plan increases 59% from $85 to $135 ▪ Or Ted can shop: his lowest cost option for 2015 is a different plan at $240/month (unsubsidized), or with his $140 subsidy it will cost Ted $100/month Changes for 2015

Impact To “Ted” Based On Rating Area 17 Cost difference reflected in the “$ Chg” column

Board Presentation ▪ Outreach TAC invited to Board meeting November 19 ▪ Share TAC observations, areas of interest, needs, gaps, priorities ▪ TAC chance to speak directly to Board members – what do you want them to hear from you? 18

2015 Outreach ▪ What or who are we missing? ▪ Are there gaps? 19

Board Meeting Presentation Health Equity TACNovember 181 pm – 2:30 pm HBE Board MeetingNovember 199 am- 3 pm Tribal Advisory CommitteeNovember 202 pm – 4 pm Dental Plan TACDecember 14 pm – 6 pm Agents-Brokers TACDecember 29:30 a.m. – 10:30 a.m. 20 More listed on Corporate site – News Center – Meetings and Events

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