Mississippi health insurance exchange
8,200 Mississippians apply for health insurance coverage in October
By Carla Anderson
December 3, 2013
Just 148 Mississippi residents selected a health plan through the federal marketplace between Oct. 1 and Nov. 2 according to enrollment data released by the U.S. Department of Health and Human Services (HHS). In addition, 925 people qualified for Medicaid or the Children’s Health Insurance Program (CHIP). Mississippi is among the 26 states using HealthCare.gov, the federal website that has had a troubled launch.
Uninsured people in Mississippi face challenges in gaining coverage that go far beyond a balky website. Mississippi has some of the highest premium costs (before subsidies) on the marketplace. In all but four counties, only one insurer is participating in the marketplace. And, Mississippi is not expanding its Medicaid program. That means that some of the state’s lowest-income residents will not qualify for Medicaid or for the subsidies that are available for people whose income is 100 to 400 percent of the federal poverty level.
State Commissioner of Insurance Mike Chaney clashed with two governors as to what form a health insurance exchange should take in Mississippi. Chaney, current Gov. Phil Bryant, and former Gov. Haley Barbour are all Republicans and on record as opposing the Affordable Care Act. However, Chaney consistently maintained that the state would be better off running its own exchange.
Chaney pushed hard for a state-run exchange. In 2011, he announced that the Mississippi Comprehensive Health Insurance Risk Pool Association would operate an exchange. The Risk Pool Association developed a plan in which the exchange would be developed in four phases, with work outsourced.
Exchange planning was carried out by the board of directors of the Risk Pool Association and an advisory board appointed by Chaney. The Risk Pool Association, the advisory board, and the insurance department continued working throughout 2012, and in November, Chaney notified the U.S. Department of Health and Human Services (HHS) that Mississippi intended to implement a state-run exchange. However, Bryant told HHS in December 2012 that Chaney had overstepped his authority. In February, HHS rejected Mississippi’s exchange blueprint.
Just two insurance companies — Magnolia Health Plan (owned by Centene) and Humana — are participating in the Mississippi marketplace. Magnolia is selling policies in 46 counties, and Humana is selling policies in 40 counties. Accordingly, only people living in Hinds, Madison, Rankin and DeSoto counties will have a choice of two insurers.
According to a report released by HHS, the average cost for a bronze plan —the lowest-cost option — in Mississippi is $342 a month. The national average for a bronze policy is $249 a month. Chaney attributes the state’s high premiums to the lack of competition among insurers and state residents’ poor health status. Mississippi is tied for last in a national ranking of health indicators.
According to HHS, more than 510,000 Mississippi residents (20 percent of the state population) are uninsured and eligible to use the marketplace. Open enrollment for coverage in 2014 runs from Oct. 1, 2013 through March 31, 2014. Policies must be purchased by Dec. 23 for coverage to begin Jan. 1, 2014.
Mississippi health insurance exchange links
State Exchange Profile: Mississippi
The Henry J. Kaiser Family Foundation overview of Mississippi’s progress toward creating a state health insurance exchange.
Health Help Mississippi
Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
(877) 314-3843 / firstname.lastname@example.org