Tuesday, September 2, 2014

Here's how Obamacare is doing in your state

Bill Pugliano / Getty Images News

Obamacare is a story of 50 states. It doesn't really matter how the entire nation does in terms of enrollment; success or failure instead comes down to how each state's exchange fares.

Looking at the health-care law through that framework, however, is a lot more nuanced: the success of the exchanges varied significantly from state to state, according to the Urban Instute's analysis of new federal data.

Take, for example, budget forecasters' enrollment projections. The nation, overall, beat enrollment projections by more than 15 percent. But some states (Vermont, Florida, and California) completely surpassed their projected enrollment numbers, while others (South Dakota, Hawaii, and Massachusetts) completely missed their projections.

Obamacare_enrollment_projection_reach

It's a similar story for Obamacare's target populations: individual market shoppers and uninsured people who don't qualify for employer-based insurance or public health plans. The nation, overall, reached about a quarter of this population. But Massachusetts reached only 8 percent, while Vermont netted 73.5 percent.

Obamacare_target_population_reached

So what can federal and state governments learn from these numbers? In general, it seems state-based exchanges, which were run by state governments, fared a lot better than the federal exchanges, which were run by the federal government after states refused to pick up the task.

Federal_versus_state-run_exchanges

That, however, also comes with a big caveat: some states seriously botched their own exchanges, so state-run exchanges didn't guarantee success. Oregon in particular now plans to move to a federal exchange after the state struggled to get its website functioning throughout the entire open-enrollment period.

The numbers also don't tell us the health of the new signups and how many people have actually paid their first premiums, which is the final step to obtaining insurance. Both those factors are important: healthier insurance pools can keep health-care spending and premiums down, and signups obviously don't matter if they don't translate to purchased insurance policies. (It's worth noting major insurers have told us that they're so far satisfied with both the age breakdown, an important indicator of health, and the amount of people paying for premiums.)

Still, the numbers show it generally helps to have a state government fully behind the task of insuring as many people as possible through Obamacare. That could be an important lesson as states head into the 2015 open-enrollment period in November.

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