2018 CSR Load Type By State
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1
State% exchange
enrollees
w/CSR
Handling of Lost 2018 CSR ReimbursementsEXPLAINER
2
"CSRs Paid"Broad LoadSilver Load
Silver
Switcharoo
Mixed StrategiesPoss. Gold Gap
(Auto. Calc.)
Notes / LinkLink
3
Bottom Line for
Individual Market Enrollees:
no CSR load,
but carriers
eat CSR losses
all unsubsidized
enrollees
hit w/CSR load
subsidized save
$; unsubsidized
hit w/CSR load
subsidized save
$; unsubsidized
can avoid CSR load
varies depending
on specific
strategy choices
Data compiled by Charles Gaba, Dave Anderson, Louise
Norris, Andrew Sprung & others
4
Alabama77%XGG
RR.HC.Gov filings clearly show
CSRs added to on-exchange Silver only
5
Alaska42%originalXGGEmergency Refile
6
Arizona56%original
BCBS or
Centene?
BCBS or
Centene?
XGG
BCBS and HealthNet both filed rates
that were appropriate for no CSR
7
Arkansas58%XGG
Confirmed via filings that AR will Silver Load
since 10/6 has passed without CSR appropriation
8
California48%XGG
9
Colorado27%originalX
Originally assumed CSRs would be paid
but had Broad Metal Load as backup plan
10
Connecticut44%XGG
11
Delaware46%X
Delaware Dept of Ins. confirmed by email that it was broad load
12
Dist. of Columbia
3%X(see explanation at right-->)
N/A: DC provides Medicaid up to 215% FPL;
only ~500 people (~3% enrollees) get CSR
13
Florida75%XGG
14
Georgia71%Kaiser
Anthem/
Centene
AlliantX
Alliant: Switcharoo; Kaiser pricing as if CSRs paid.
Anthem & Centene loading to silver
15
Hawaii59%XGG
HMSA filing (8/8/17) says they're keeping an off-HIX version
of a silver plan for switcharoo
16
Idaho66%XGG
August press release makes it sound like Silver Switcharoo?
(but using extended bronze)
17
Illinois48%
Celtic/Cigna/
BCBSIL
HAMPXGG
UPDATE 11/3/17: Thought it was Switch but appears to be Silver Load after all
18
Indiana47%X
UGH. See link...Indiana is specifically doing a full Broad Load.
19
Iowa53%XGG
*Medica doing Silver load; others unknown
both "plans" are technically Medica
20
Kansas56%XGGRateReview.HealthCare.Gov file
21
Kentucky51%XX
KY DOI originally directed broad load but later changed mind;
both CareSource/Anthem Silver Loaded
22
Louisiana58%XVantage?GGVantage may be doing switcharoo
23
Maine53%xGG
ME Ins. Dept. website bulletin clarifying Switcharoo status
24
Maryland57%originalXX
Maryland regulators approve higher health insurance rates
25
Massachusetts62%originalXX
State asked for 1332 but decided to go Silver Load on 10/20
26
Michigan50%XGGConfirmed BCBSMI, BCN & Priority are Switch
27
Minnesota12%XGG
CSR load nominal (only 12% of exchange enrollees)
due to BHP program.
28
Mississippi80%XCORRECTION: Magnolia going w/broad load
29
Missouri57%XGG
Anthem loading to Silver, assuming no CSR /
Also confirmed Cigna Silver loading
30
Montana42%original
Co-Op
PacificSource
AnthemXGG
Anthem is Silver Swapping;
Co-Op/PacificSource both Silver Loading
31
Nebraska56%XGGRateReview.HealthCare.Gov file
32
Nevada56%XGG
Final rates incorporate CSR load onto on-HIX silver.
Off-HIX-only silver and extended bronze also available
HealthInsurance.org Link
33
New Hampshire36%XGG
Per conversation w/ reliable source,
all insurers instructred to Silver Load
RateReview.HealthCare.Gov Link
34
New Jersey52%XGGConfirmed Silver Load after all
35
New Mexico47%?
NMHC,
CHRISTUS
MolinaXGG
Molina serious Silver Load; CHRISTUS confirms Silver load, NMHC is also silver load
36
New York15%XGG
CSR load nominal (only 15% of exchange enrollees)
due to BHP program.
37
North Carolina67%X?GGMay be doing switcharoo instead
38
North Dakota47%X
State insurance commissioner NOT allowing any refiles
39
Ohio45%XXConfirmed Medical Mutual and Oscar are Switch
40
Oklahoma62%XSPECIAL CASE: already baked CSRs in for 2017!
Already baked CSR cost into 2017 rates via Broad Load
41
Oregon39%XGGEmergency Reload
42
Pennsylvania57%XGGUPDATE: PA Ins. Dept. CONFIRMS Switcharoo!
43
Rhode Island55%originalXGG
Health Source RI confirmed there's
a set of off-exchange plans without the CSR load
44
South Carolina72%XGG
Bronze Up 6%, Silver up 31%, Gold up 14%,
new Silvers for Off-Exchange built all from URRT
45
South Dakota59%originalXGGEmergency Refile
46
Tennessee59%XGG
47
Texas63%CenteneChristusX
Centene Assumes CSR paid,
Christus assumes not paid. Others unknown
48
Utah62%XGG
10/23/17: Corrected; confirmed Switcharoo status
w/Utah Health Policy Project
49
Vermont40%X(see explanation at right-->)
VT has merged indy/sm. group risk pool,
& CSR has minor impact anyway
50
Virginia60%
Cigna, Piedmont
XX5 out of 7 carriers = Silver Switch; 2 = Silver load
51
Washington40%originalXGG
Originally assumed CSRs would be paid
but had Switcharoo as backup plan.
52
West Virginia51%XGG
WV navigator updated/corrected; informed commissioner
plans on "Broad Load" instead.
53
Wisconsin51%?XGG
WI Public Radio: Silver jumping 40% vs 20% for Bronze/Gold;
commenter sez Switcharoo for at least 2 carriers
54
Wyoming56%?XGGBCBS Wyoming assuming Silver Load
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Total (most carriers
within state only)
57%361620636
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