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After a rough start, healthcare.gov (the Federally Facilitated Marketplace) is beginning to experience a bit of a recovery. Although the launch was plagued with system crashes, non-availability and incorrect subsidy calculations, things are finally starting to look up.

According to the government, millions of enrollments were expected in the initial stages of the health reform rollout. Projections indicated that nearly half a million enrollments were expected within the first 30 days. However, enrollments were a lot lower than the projections. The problem was not limited to the site usability; it was also about the data that was being sent by the system. Several health plans experienced incorrect enrollments, missing information and individuals enrolling in multiple plans. The end result was incorrect data in the system and failed enrollments.  On the other hand, the states that opted to run their own exchanges were performing better but still dealing with less than expected enrollments.

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While information has been trickling out on the various state exchanges, Missouri has continued to stay quiet right up to the launch. As the state lawmakers, and then voters, voted rejected a state-run exchange, Missouri is among the many states that chose to leave it to the federal government to handle.

While efforts to publicize the exchange have faced strong opposition, there have been some initiatives put in place to help increase the public’s knowledge on the exchange.

•    Private organizations and individuals are conducting FAQ and Question & Answer Sessions on the exchange for individuals. For instance, FOX 2 recently aired a Q&A session that consisted of top industry experts and served as a platform for helping people clear their doubts about ACA. This one-hour special helped people learn more about the health reform that is going to impact their lives. Similarly, through the face of private organizations and nonprofit associations, the state will receive the required information.

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With the exchange now live, there has been some clarity in the carriers and rates for the Illinois state exchange. Consumers in Cook County will be able to choose plans offered by five carriers – Aetna, Blue Cross Blue Shield of Illinois, Coventry, Health, Humana, Inc. and Land of Lincoln Health.

However, only BCBS and Land of Lincoln are offering both individual and small-group plans throughout the state. BCBS is offering 16 individual plans and 19 small businesses; Land of Lincoln is offering 19 individual and 16 small group plans. Offering the most individual plans – more than 30 different options – is Humana and Coventry.

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According to latest reports, the health insurance marketplace of South Dakota will be a costly affair. A study conducted by the U.S. Department of Health and Human Services has revealed that under the federal exchange, South Dakotans would have to pay more for insurance premiums than people in neighboring states.

The study has based its findings on the facts that have come out of a close analysis of rates that will prevail in South Dakota. For comparison, the report takes into account a family of 4 with a monthly income of $50,000. Analysis reveals that South Dakotans will have to pay $141 per month after subsidies and tax credits. This means that there is a gap of $46 per month as the national average hovers around $95 per month.

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Nebraska’s exchange, which will be the Federally Facilitated Marketplace (FFM), will go live October 1, and they recently revealed the proposed rates that would be available on the exchange. Let’s take a look.

Sample Rates and Insurance Carriers Operating on Nebraska HIX

Four insurance carriers will be participating in the exchange and all will be offering individual and/or small business health insurance plans. While the rates that were released are not final, Blue Cross Blue Shield of Nebraska, Coventry Health, CoOportunity, and Health Alliance Midwest, the participating carriers, will finalize their respective plans by October 1…

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In less than 2 weeks , enrollment on health insurance marketplaces (healthcare software texas) will begin throughout the country. For Texas, which has one of the highest populations of uninsured, this is going to be a rough period. To make matters worse, the challenges faced by Texas are not limited to this issue, there are more.

As per the available statistics, 27 percent of population under 65 is uninsured. Overall, there are about 6 million uninsured Americans living in Texas. Once the rollout starts, these people will require a lot of education on the marketplace and how to choose the right plan for them and/or their family. Texas opted to not build its own state exchange and is relying on the Federally Facilitated Marketplace for its residents.

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When the Idaho health insurance marketplace, Your Health Idaho, goes live on October 1, the state will be looking at two primary aspects that will decide the health and performance of the exchange in the years to come – Idaho insurance agents and the number of enrollments on the exchange. Although these two aspects are closely related, insurance agents takes precedence.

While insurance agents and brokers have been working in Idaho for a long time, a large number have concerns on the changes that the Affordable Care Act will bring. Some of those factors are:

•    The commissions and incentives insurance agents received in the past will decrease substantially once Your Health Idaho goes live. For instance, Regence BlueShield of Idaho is going to decrease the plan commission from $12 to $9.

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States like New Jersey have been getting a lot of attention ever since the conception of Obamacare health insurance marketplaces. There are multiple reasons for this, primarily because New Jersey, with approximately 900,000 uninsured residents, decided to utilize the Federally Facilitated Marketplace (FFM) and not to build its own exchange. Let’s take a look at what’s happening in the state.

What’s on Track?

The FFM is on track to be live on October 1. There were concerns that the FFM wouldn’t be ready in time but those fears were allayed by a recent announcement by Kathleen Sebelius, the U.S. Health and Human Services Secretary. Since New Jersey has a higher percentage of uninsured residents than the national average, extra effort is being put in by the U.S. Health and Human Services office to alleviate any fears related to the implementation.

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With health insurance marketplace deadline approaching fast, Alaska is relying on the federal government. As one of the 27 states that will be utilizing the Federally Facilitated Marketplace, Alaska needs to concentrate on educating residents about the marketplace and promoting general knowledge about the program.

The state is relying on the health exchange navigator role. Health insurance marketplace navigators platform are a group of trained individuals who will be responsible for guiding residents on enrollment and selecting plans within the exchange. The United Way of Anchorage and Alaska Native Tribal Health Consortium will each receive a $300,000 federal grant for the hiring and training of navigators.

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