2015 carriers and rates
Four companies are selling policies through the federal marketplace in Nebraska in 2015: Blue Cross Blue Shield of Nebraska, Coventry Health Care, CoOportunity (an ACA-created health care cooperative), and Assurant. Health Alliance Midwest offered policies in 2014, but is not participating in 2015. Assurant is new to the Nebraska exchange however, so the number of carriers remains unchanged for 2015.
The Nebraska Department of Insurance released a sampling of 2015 rates in September. They illustrated 15 different scenarios, with varying household sizes, ages, and geographic locations across the state. For each carrier, they showed the rate change for each scenario, along with an average for all 15 scenarios from each carrier.
Across all four carriers, the unweighted average for the 15 sample scenarios is a 10.7 percent increase in premiums. But one carrier – Coventry – had an average rate decrease of 3.4 percent. And while Assurant’s average rate hike across the sample scenarios is 16 percent, their prices in 2014 (off-exchange) were lower than those offered by the exchange plans – they gained market share in 2014 even though they were only available off-exchange.
2014 enrollment numbers
During the first open enrollment period that ended in April, 42,975 people finalized their private plan Obamacare enrollments in the Nebraska exchange (as of April 19). And another 10,360 people had enrolled in ACA-compliant plans off-exchange.
An additional 9,879 exchange applicants had been found to be eligible for existing Medicaid in Nebraska (Nebraska has not expanded Medicaid under the ACA, a decision that disproportionately impacts the large rural population).
A recent WalletHub study projected only a slight drop in Nebraska’s uninsured rate post Obamacare implementation. 14.71 percent of the state’s residents were uninsured last year, and the projection is that 13.69 percent will be uninsured this year. States that expanded Medicaid experienced the largest drops – in some cases, as much as ten percentage points – but states like Nebraska that have not expanded Medicaid are experiencing only minimal reductions in their uninsured populations.
Medicaid – no expansion yet
Although Nebraska has not yet expanded Medicaid, a bill was introduced in the 2014 legislative session that would have expanded Medicaid to cover the 33,000 Nebraska residents who have fallen into the coverage gap – they aren’t eligible for current Medicaid, but they have incomes too low to qualify for subsidies in the exchange.
The Nebraska Department of Health and Human Services held a public hearing on LB887, the Wellness in Nebraska Act, on January 29, and the issue is still very contentious in the state. But the bill ultimately died in the legislature, although proponents have vowed to take up the cause in next year’s session.
Chuck Hassebrook, the Democratic candidate for Governor, has said that if elected, he’ll make Medicaid expansion a priority. Hassebrook noted that the survival of rural hospitals depends on Medicaid expansion.
HHS is running the exchange in Nebraska via HealthCare.gov. Residents who need enrollment assistance can contact Community Action of Nebraska or the Ponca Tribe of Nebraska – both received federal grants to hire navigators, who can answer questions and assist with the enrollment process.
Community Action of Nebraska has a toll free number (1-800-318-2596) that people can use if they want to enroll over the phone. Residents who want in-person help can also visit one of Community Action’s offices to meet with a navigator.
Nebraska’s Department of Insurance allowed pre-2014 plans to be extended in 2014. Following the Obama Administration’s announcement in March that pre-2014 plans could be extended for up to two more years, the Nebraska Department of Insurance decided in late April to allow pre-2014 health insurance plans to be extended out as far as October 2016.
It will be up to each carrier to decide whether to accept this option; Blue Cross Blue Shield of Nebraska announced in May that they would allow pre 2014 plans to be extended into 2016.
Exchange history in Nebraska
Despite work completed by the Nebraska Department of Insurance (DOI), Gov. Dave Heineman announced in November 2012 that the state would not operate a health insurance exchange. In rejecting a state-run exchange, Heineman said it would be much more expensive for the state to run its own exchange. He also expressed doubt that even a state-run exchange would give Nebraska much authority over exchange operations.
Governor Heineman has also refused to expand Medicaid, but state Senator Jeremy Nordquist is pushing for Medicaid expansion and called on Heineman in December to forfeit his own health insurance until all Nebraskans are able to have coverage.
Before Heineman’s final decision, he had expressed some support for a state-run exchange, and the DOI had studied that option. The DOI gathered input from stakeholders, developed a set of working assumptions around policy and operations, and issued a number of requests for information and requests for proposals to engage subcontractors in developing an exchange.
While the federal government manages most functions for the new marketplace, Nebraska oversees participating health plans. The Nebraska legislature also authorized a workgroup, called the Nebraska Exchange Stakeholder Commission, to provide input to state and federal officials on how the marketplace should operate.
Contact the exchange
The federal government will operate the exchange in Nebraska; enrollment begins Oct. 1, 2013
More Nebraska health insurance exchange links
State Exchange Profile: Nebraska
The Henry J. Kaiser Family Foundation overview of Nebraska’s progress toward creating a state health insurance exchange.
Nebraska Department of Insurance
Assists consumers who have purchased insurance on the individual market or who have insurance through an employer who only does business in Nebraska.
(877) 564-7323 / Toll Free: (800) 833-7352
Nebraska DOI’s overview of the exchange
An in-depth document published in September 2013 that details how the exchange will work for individuals and small businesses.
Advocacy group working to raise awareness about the Nebraska exchange.