Outreach Technical Advisory Committee OCTOBER 14,

Agenda  Introductions  HBE Update  Communications-Outreach Department staffing update  Open Enrollment prep  Renewals  Navigator Program  Rate Study – 2016 Marketplace 2

Outreach TAC Members  Chewon (Che) Lee, CGI Pacific Northwest new!  Courtney Normand, Planned Parent Votes Northwest  Dr. James Polo, Mary Bridge Children’s Healthcare  Eric Earling, Premera  Jaelen Pace, Volunteers of America  Mary Wood, Health Care Authority  Michael McKee, International Community Health Services  Patricia Gepert, Washington Association of Community and Migrant Health Centers  Sally Mildren, Coordinated Care  Sylvia Villalovos-Aguilar, United Health Care new! 3

4 Communications-Outreach Department Navigator Program Training and Certification Consumer Education/Access Compliance and Reporting Communications Manager new! Consumer Engagement Media/PR/ Outreach Website Management Collateral & Carrier Engagement Broker Team new! Broker Support Broker Field Reps

Open Enrollment 3 Outreach  Renewal Population  Autorenew  Navigators and Brokers  Navigator RFP  Targeted QHP focus during open enrollment based on zip code data  Health literacy/consumer education  Rate study  Previous QHP shoppers who did not enroll (affordability, system issues)  What is the messaging?  Earned media (press releases, stories)  Corporate website redesign  Social media  Limited paid media (tbd) 5

November 1 Launch 6

Call Center Operations  Monday through Friday - 7:30 a.m. to 8 p.m. beginning October 19  Weekend coverage may be scheduled to meet peak demand  Fluctuate between based on volume  CSRs evaluating enhanced capabilities – primarily related to SEP  Evaluating Navigator appointments, designated “Navigator” support team  Payment/billing issues go to Carrier 7

Renewals  Starting November 1, QHP enrollees can start to renew coverage for 2016  Most customers are eligible for auto-renew  Auto-Renewal for QHP enrollees  HBE will run updated eligibility batches starting mid-October  Consumers will receive notification (both HBE and their Carrier)  If eligible and no changes to report, no action is needed to stay in the same plan (keep making payment to Carrier)  Premium rates and tax credits will change  Renewal (and new application) deadline for January 1 coverage is December 23  Renewal Webinar, Monday, October 26  FAQ, corporate web site page 8

Navigator Program Plan Year 2016

Plan Year Kick-Off

New Navigator Network strategies for 2016 QHP and WAH enrollment targets o Small local businesses, downtown associations o Outreach to renewal population o Broker partnerships (Events, storefront, referrals) o Lead generation using Healthplanfinder data o Two new Lead Org partners are CHCs (Sea Mar and Tri-Cities) o WAH partnerships are well established and productive o DSHS facilitating enrollment for new public assistance applicants Hard-to-reach populations o Targeted outreach based on OFM/ACS estimates of uninsured o Expanded use of foreign language communication vehicles

Periodic communication with QHP enrollees 12 October 2015 “It’s not scary” Enroll/Renew November 2015 Changing Marketplace – Shop Customer Assistance December 2015 Enroll by 23 rd to avoid a gap in coverage January 2016 Last Chance – Open Enrollment ending February-April 2016 Tax Time: 1095A/B May-June 2016 Use your benefits Preventive Services Change Reporting

Uninsured Summary Uninsured and WAH Eligible132,00039% Uninsured and QHP/Tax Credit Eligible 204,00061% Total Uninsured 336, % *Does not account for estimated 10% of population who are ineligible for coverage

Focus of Materials Evergreen ◦ No open enrollment dates or FPL charts to eliminate shelf life Reduce use of images; move towards graphics ◦ Eliminate need to target multiple populations through multiple versions Focus on what people really want Reduce amount of printed materials on shelf at KP; have print-ready PDFs electronically Create content in areas where demand is

Draft Material: Avoid the Fine

2016 QHP Rate Analysis MARKETPLACE UPDATE 20

Purpose of Rate Analysis 1.Understand what’s available to consumers in the 2016 QHP marketplace  New carriers offering plans  Continuing plans have premium changes  Discontinued plans or coverage area changes 2. Understand rate change impacts  Premiums  Tax credits  Impact for consumers who auto-renew  New lower cost options available 21

Similar to 2015 Market Change  More carriers, more plans, more competition  On average, premium increases before tax credits are moderate  Most counties (and most consumers) will see a change in lowest and second lowest cost plans  Tax credits will decrease due to lower Second Lowest Silver rates  Many enrollees will see a large rate increase if they auto-renew  There are significant opportunities to save for those who want to consider switching plans  For new QHP customers – more affordable options than ever *Health care reform is working… 22

Increases in Plan Choice  United Healthcare – Statewide  Health Alliance – 4 counties  Regence – 3 counties  Molina – expanding to 2 more counties  Community Health Plan of Washington withdrawing from 26 counties (1,200 enrollees impacted)  Net increase in plans per county ranges from 17 to 47  Total plans per county in 2016 range from 53 to

Average rate increases before subsidy  4.5 % for Bronze  3% for Silver  9.7% for Gold 24

Range of rate changes by plan -23% to +34% 25

Silver plan changes  The second lowest silver plan is changing in 36 of the 39 counties accounting for 93% of total enrollment.  The lowest cost silver plan is changing in all counties.  The lowest cost bronze carrier is changing in 28 of 39 counties accounting for 78% of total enrollment. 26 Tax credits are calculated based on the second lowest silver plan per rating area

SLS decrease significant impacts 27  33% of enrollees reside in King County where SLS decreasing by 10%.  Largest decrease in SLS (and tax credits) is -16% which occurs in:  Jefferson  Lewis  Lincoln  Spokane  Stevens Tax credits are calculated based on the second lowest silver plan per rating area

Simple Scenario Plan Premium without Tax Credit ChangeTax Credit ChangeConsumer premium $ Change % Change in consumer premium 2015$250$145$ Auto- renew $255+$5$125-$20$130+$2524% 2016 switch$245-$5$125-$20$120+$1514% 28

Take Aways  Carrier increases are mostly modest  New and lower cost plans entering the market  Tax credits will decrease/consumer portion will increase in most areas  Enrollees who choose based on cost will need to switch to remain in the lowest cost plan in 2016  Enrollees who auto-renew could see a sizeable increase  For new enrollees – prices are lower than they have been  If shopping, check plan benefits carefully! Some Carriers keep plan costs low by narrowing benefits beyond EHB, or by offering narrow provider networks 29

Core Outcomes 31

Goal 1 32 Actions/priorities related to Outreach TAC: Improve/increase engagement of all stakeholders Increased interaction between Board and TAC members Improve consumer experience

Goal 2 – Increase the number insured 33 Actions/priorities related to Outreach TAC: Identifying target populations Effectively reaching our target population Enrollment resources are geared to achieve both QHP and WAH Outreach to those transitioning out of WAH Retention of QHP enrollees

Goal 3 – Consumer Choice 34 Actions/priorities for Outreach TAC: Decision support tools Health literacy/consumer education efforts Improve use of system data to identify potential enrollment target groups Expand data and results that are published Promote Navigator-Broker partnerships Identify affordability issues and seek solutions

Goal 4 – Consumer Choice 35 Actions/priorities for Outreach TAC: Identify targets based on geographic needs and vulnerable populations with input from stakeholders Study churn to understand patterns/reasons for changing eligibility Audience-specific messaging Provide Assisters/Brokers with useful tools and resources Identify policies that may be barriers to enrollment

Outreach TAC meetings Next meeting – December 9 – 1:30 p.m. – 3 p.m. 36