2018 CSR Load Type By State

	A	B	C	D	E	F	G	I	J	K
1	State	% exchange enrollees w/CSR	Handling of Lost 2018 CSR Reimbursements					EXPLAINER
2	State	% exchange enrollees w/CSR	"CSRs Paid"	Broad Load	Silver Load	Silver Switcharoo	Mixed Strategies	Poss. Gold Gap (Auto. Calc.)	Notes / Link	Link
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	Alabama	77%				X		GG	RR.HC.Gov filings clearly show CSRs added to on-exchange Silver only
5	Alaska	42%	original		X			GG	Emergency Refile
6	Arizona	56%	original		BCBS or Centene?	BCBS or Centene?	X	GG	BCBS and HealthNet both filed rates that were appropriate for no CSR
7	Arkansas	58%			X			GG	Confirmed via filings that AR will Silver Load since 10/6 has passed without CSR appropriation
8	California	48%				X		GG
9	Colorado	27%	original	X					Originally assumed CSRs would be paid but had Broad Metal Load as backup plan
10	Connecticut	44%				X		GG
11	Delaware	46%		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	Florida	75%				X		GG
14	Georgia	71%	Kaiser		Anthem/ Centene	Alliant	X		Alliant: Switcharoo; Kaiser pricing as if CSRs paid. Anthem & Centene loading to silver
15	Hawaii	59%				X		GG	HMSA filing (8/8/17) says they're keeping an off-HIX version of a silver plan for switcharoo
16	Idaho	66%				X		GG	August press release makes it sound like Silver Switcharoo? (but using extended bronze)
17	Illinois	48%			Celtic/Cigna/ BCBSIL	HAMP	X	GG	UPDATE 11/3/17: Thought it was Switch but appears to be Silver Load after all
18	Indiana	47%		X					UGH. See link...Indiana is specifically doing a full Broad Load.
19	Iowa	53%			X			GG	*Medica doing Silver load; others unknown both "plans" are technically Medica
20	Kansas	56%			X			GG	RateReview.HealthCare.Gov file
21	Kentucky	51%			X			X	KY DOI originally directed broad load but later changed mind; both CareSource/Anthem Silver Loaded
22	Louisiana	58%			X	Vantage?		GG	Vantage may be doing switcharoo
23	Maine	53%				x		GG	ME Ins. Dept. website bulletin clarifying Switcharoo status
24	Maryland	57%	original			X		X	Maryland regulators approve higher health insurance rates
25	Massachusetts	62%	original		X			X	State asked for 1332 but decided to go Silver Load on 10/20
26	Michigan	50%				X		GG	Confirmed BCBSMI, BCN & Priority are Switch
27	Minnesota	12%				X		GG	CSR load nominal (only 12% of exchange enrollees) due to BHP program.
28	Mississippi	80%		X					CORRECTION: Magnolia going w/broad load
29	Missouri	57%			X			GG	Anthem loading to Silver, assuming no CSR / Also confirmed Cigna Silver loading
30	Montana	42%	original		Co-Op PacificSource	Anthem	X	GG	Anthem is Silver Swapping; Co-Op/PacificSource both Silver Loading
31	Nebraska	56%			X			GG	RateReview.HealthCare.Gov file
32	Nevada	56%				X		GG	Final rates incorporate CSR load onto on-HIX silver. Off-HIX-only silver and extended bronze also available	HealthInsurance.org Link
33	New Hampshire	36%				X		GG	Per conversation w/ reliable source, all insurers instructred to Silver Load	RateReview.HealthCare.Gov Link
34	New Jersey	52%			X			GG	Confirmed Silver Load after all
35	New Mexico	47%		?	NMHC, CHRISTUS	Molina	X	GG	Molina serious Silver Load; CHRISTUS confirms Silver load, NMHC is also silver load
36	New York	15%			X			GG	CSR load nominal (only 15% of exchange enrollees) due to BHP program.
37	North Carolina	67%			X	?		GG	May be doing switcharoo instead
38	North Dakota	47%	X						State insurance commissioner NOT allowing any refiles
39	Ohio	45%				X		X	Confirmed Medical Mutual and Oscar are Switch
40	Oklahoma	62%		X	SPECIAL CASE: already baked CSRs in for 2017!				Already baked CSR cost into 2017 rates via Broad Load
41	Oregon	39%			X			GG	Emergency Reload
42	Pennsylvania	57%				X		GG	UPDATE: PA Ins. Dept. CONFIRMS Switcharoo!
43	Rhode Island	55%	original			X		GG	Health Source RI confirmed there's a set of off-exchange plans without the CSR load
44	South Carolina	72%				X		GG	Bronze Up 6%, Silver up 31%, Gold up 14%, new Silvers for Off-Exchange built all from URRT
45	South Dakota	59%	original		X			GG	Emergency Refile
46	Tennessee	59%			X			GG
47	Texas	63%	Centene		Christus		X		Centene Assumes CSR paid, Christus assumes not paid. Others unknown
48	Utah	62%				X		GG	10/23/17: Corrected; confirmed Switcharoo status w/Utah Health Policy Project
49	Vermont	40%	X	(see explanation at right-->)					VT has merged indy/sm. group risk pool, & CSR has minor impact anyway
50	Virginia	60%			Cigna, Piedmont	X		X	5 out of 7 carriers = Silver Switch; 2 = Silver load
51	Washington	40%	original			X		GG	Originally assumed CSRs would be paid but had Switcharoo as backup plan.
52	West Virginia	51%		X				GG	WV navigator updated/corrected; informed commissioner plans on "Broad Load" instead.
53	Wisconsin	51%				X		GG	WI Public Radio: Silver jumping 40% vs 20% for Bronze/Gold; commenter sez Switcharoo for at least 2 carriers
54	Wyoming	56%				X		GG	BCBS Wyoming assuming Silver Load
55	Total (most carriers within state only)	57%	3	6	15	21	6	36
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