2018 CSR Load Type By State
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State% exchange
enrollees
w/CSR
Handling of Lost 2018 CSR ReimbursementsEXPLAINER
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CSRs PaidBroad LoadSilver Load
Silver
Switcharoo
Mixed StrategiesPoss. Gold Gap
(Auto. Calc.)
NotesLink
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Alabama77%XGGhttp://www.al.com/news/index.ssf/2017/08/blue_cross_requests_increase_o.html
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Alaska42%originalXGGEmergency Refilehttps://www.alaskapublic.org/2017/10/13/premera-to-bump-up-premium-to-cover-trump-cut/
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Arizona56%original
BCBS or
Centene?
BCBS or
Centene?
XGGBCBS and HealthNet both filed rates that were appropriate for no CSRhttp://www.kentucky.com/news/business/article178717946.html
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Arkansas58%XGG
I've confirmed via the filings that AR will Silver Load since 10/6 has passed without CSR appropriation
https://insurance.arkansas.gov/pages/consumer-services/rate-review/health-insurance-rate-changes-for-2018/
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California48%XGG
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Colorado27%originalX
Originally assumed CSRs would be paid but had Broad Metal Load as backup plan.
https://www.healthinsurance.org/colorado-state-health-insurance-exchange/#rates
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Connecticut44%XGG
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Delaware46%x
Not sure how they're loading CSR but they definitely are doing so. Appears to be broad load
http://news.delaware.gov/2017/06/14/highmark-requests-2018-health-insurance-rate-increase-of-33-6/
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Dist. of Columbia3%n/a(see explanation at right-->)
N/A: DC provides Medicaid up to 215% FPL; only ~500 people (~3% enrollees) get CSR
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Florida75%XGG
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Georgia71%Kaiser
Anthem/
Centene
AlliantX
Alliant: Switcharoo; Kaiser pricing as if CSRs paid. Anthem & Centene loading to silver
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Hawaii59%XGG
HMSA filing (8/8/17) says they're keeping an off-HIX version of a silver plan for switcharoo
https://ratereview.healthcare.gov/files/1324672_HMSA_ACAIndividual2018_PartIIIRedactedActuarialMemorandum_6-1-2017_Signed.pdf
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Idaho66%XGG
August press release makes it sound like Silver Switcharoo? (but using extended bronze)
http://www.doi.idaho.gov/consumer/RateReview/IndividualACA2018.aspx
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Illinois48%X?GGDefinitely loading onto silver, not sure whether doing Switcharoo or not
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Indiana47%XUGH. See link...Indiana is specifically doing a full "broad load". Gah...
http://www.indystar.com/story/news/politics/2017/10/04/obamacare-insurers-boost-rate-hikes-even-more-because-uncertainty-washington/728361001/
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Iowa53%XGG
*Medica doing Silver load; others unknown< both "plans" are technically Medica
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Kansas56%XGGhttps://ratereview.healthcare.gov/files/735664_39520_01012018_IND_RedactedAM_v3.pdf
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Kentucky51%xAugust 8, 2017 CAreSoure memo assume no CSR broad loadhttps://t.co/Ig15ADS9Cm
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Louisiana58%XVantage?GG*Vantage may be doing switcharoo
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Maine53%XGGOriginally assumed CSRs would be paid but had Silver Load as backup plan.
http://www.centralmaine.com/2017/10/13/trumps-decision-on-aca-subsidy-will-push-premiums-higher-in-maine/
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Maryland57%X
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Massachusetts62%X(see explanation at right-->)
Submitted application for a 1332 to pay CSR directly to insurers no matter what
http://www.masslive.com/news/index.ssf/2017/10/massachusetts_opting_for_lower.html
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Michigan50%XGGParts II & III clearly state Silver Load (on & off exchange).
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Minnesota12%XGGCSR load nominal (only 12% of exchange enrollees) due to BHP program.
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Mississippi80%xCenene filed for big rate hike http://www.miamiherald.com/news/article176333106.html
https://ratereview.healthcare.gov/files/382889_11721_01012018_IND_RedactedAM.pdf
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Missouri57%xGGAnthem loading to Silver, assuming no CSR
https://ratereview.healthcare.gov/files/486544_20170810MO3275IndvOnOffActuarialMemorandumTemplateQHPRedacted.pdf
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Montana42%original
Co-Op
PacificSource
AnthemXGGAnthem is Silver Swapping; Co-Op/PacificSource both Silver Loadinhttps://twitter.com/CitizenCohn/status/918885566535565312
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Nebraska56%xGGhttps://ratereview.healthcare.gov/files/1485959_20305_01012018_IND_RedactedAM_v2.pdf
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Nevada56%XGG
Final rates incorporate CSR load onto on-HIX silver. Off-HIX-only silver and extended bronze also available http://www.roi-nj.com/2017/10/13/healthcare/n-j-insurers-brace-for-loss-of-aca-subsidies-plan-to-hike-18-premiums/
https://www.healthinsurance.org/nevada-state-health-insurance-exchange/#CSR
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New Hampshire36%xGGPer conversation w/ reliable source, all insurers instructred to Silver Load
https://ratereview.healthcare.gov/files/839658_2018CelticNHActuarialMemorandumRedacted20170517.pdf
https://ratereview.healthcare.gov/files/1200304_Actuarial_Memorandum_Part_III_HMO_2018.pdf
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New Jersey52%XGGConfirmed Silver Load after allhttps://ratereview.healthcare.gov/files/1514305_REDACTED77606ahnjurrtptiii_IHC.pdf
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New Mexico47%
BCBS, NMHC,
Christus
MolinaXGGMolina serious Silver Load; CHRISTUS confirms Silver load
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New York15%XGGCSR load nominal (only 15% of exchange enrollees) due to BHP program.https://t.co/0eDwgj7Thk
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North Carolina67%X?GGMay be doing switcharoo instead
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North Dakota47%XState is not allowing a refiling
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Ohio45%??XXSilver Switch per e-mail with Department of Insurancehttp://insurance.ohio.gov/Consumer/Pages/Exchange%20Overview.aspx
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Oklahoma62%XRaised rates too much in 2017 so it was already baked inhttps://twitter.com/MegWingerter/status/918961561883963393
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Oregon39%XGGhttps://twitter.com/ZTracer/status/918951587355258880Emergency Reload
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Pennsylvania57%XGGUPDATE: PA Ins. Dept. CONFIRMS Switcharoo!http://www.media.pa.gov/Pages/Insurance-Details.aspx?newsid=278
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Rhode Island55%originalXGG
Health Source RI confirmed that there is a set of off-exchange plans without the CSR load.
http://www.post-gazette.com/business/healthcare-business/2017/10/17/States-scramble-for-solutions-for-insurers-that-were-counting-on-Obamacare-payments/stories/201710170242
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South Carolina72%XGG
Bronze Up 6%, Silver up 31%, Gold up 14%, new Silvers for Off-Exchange built all from URRT
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South Dakota59%originalxGGEmergency Refile
http://rapidcityjournal.com/news/plan-to-end-obamacare-subsidies-causes-uncertainty-in-sd/article_339c8f7e-1361-5a5c-ae1f-a6683b47d9dd.html
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Tennessee59%XGG
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Texas63%CenteneChristusXCentene Assumes CSR paid, Christus assumes not paid. Others unknown.
https://ratereview.healthcare.gov/files/402542_66252_20180101_IND_AM_Redacted_20170728.pdf
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Utah62%XGGConfirmed Silver Only load with Jason Stevenson
http://www.sltrib.com/news/2017/09/28/insurance-rates-on-obamacare-health-exchange-to-spike-by-39-percent-in-utah-in-2018/
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Vermont40%X
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Virginia60%??x
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Washington40%originalXGGOriginally assumed CSRs would be paid but had Switcharoo as backup plan.
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West Virginia51%XGG
WV navigator confirmed (via conference call) that both Highmark & CareFirst are silver loading.
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Wisconsin51%xGGhttps://oci.wi.gov/Pages/PressReleases/20171012OpenEnrollmentSLCSP.pdf
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Wyoming56%xGGBCBS Wyoming assuming Silver Load
https://ratereview.healthcare.gov/files/908060_BCBSWY_Indiv_2018_Act_Memo_Final_Redacted.pdf
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Total (all carriers
within state only)
57%452312636
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