1. Outreach Technical Advisory Committee OCTOBER 14, 2015 1

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

3. 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. 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

5. 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

6. November 1 Launch 6

7. 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 275-325 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

8. 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

9. Navigator Program Plan Year 2016

10. 10 2016 Plan Year Kick-Off

11. 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

12. 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

13. Uninsured Summary Uninsured and WAH Eligible132,00039% Uninsured and QHP/Tax Credit Eligible 204,00061% Total Uninsured 336,000 100% *Does not account for estimated 10% of population who are ineligible for coverage

14. Focus of 2015-2016 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

19. Draft Material: Avoid the Fine

20. 2016 QHP Rate Analysis MARKETPLACE UPDATE 20

21. 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

22. 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

23. 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 116 23

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

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

26. 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

27. 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

28. Simple Scenario Plan Premium without Tax Credit ChangeTax Credit ChangeConsumer premium $ Change % Change in consumer premium 2015$250$145$105 2016 Auto- renew $255+$5$125-$20$130+$2524% 2016 switch$245-$5$125-$20$120+$1514% 28

29. 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

31. Core Outcomes 31

32. 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

33. 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

34. 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

35. 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

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