viernes, 1 de julio de 2016

CMS NEWS: March 31, 2016 Effectuated Enrollment Snapshot

Centers for Medicare & Medicaid Services
FOR IMMEDIATE RELEASE
June 30, 2016
Contact: CMS Media Relations
(202) 690-6145 | CMS Media Inquiries
March 31, 2016 Effectuated Enrollment Snapshot
On March 31, 2016, about 11.1 million consumers had effectuated Health Insurance Marketplace coverage – which means those individuals, paid their premiums and had an active policy as of that date. [i] HHS continues to project effectuated enrollment of about 10 million people for the end of 2016.
Of the approximately 11.1 million consumers nationwide with effectuated Marketplace enrollments at the end of March 2016, about 85 percent, or about 9.4 million consumers, were receiving an advance payment of the premium tax credit (APTC) to make their premiums more affordable throughout the year. The average APTC for those enrollees who qualified for the financial assistance was $291 per month.[ii] 
There were 8.4 million consumers with effectuated enrollments at the end of March 2016 through the 38 Federally-Facilitated Marketplaces, including State Partnership Marketplaces and State-based Marketplaces that utilize the HealthCare.gov eligibility and enrollment platform (SBM-FPs), collectively known as HealthCare.gov states and 2.7 million through the remaining State-based Marketplaces.[iii]
As of the end of March 2016, about 11.1 million people had health insurance coverage through the Health Insurance Marketplaces, almost a million more than at this point in time a year ago. “This increased level of enrollment demonstrates the strength of the Marketplace over time, as millions of Americans continue to have access to quality and affordable coverage when they need it. As of early this year, 20 million Americans had coverage thanks to provisions of the Affordable Care Act, and the Health Insurance Marketplace is an important contributor to that progress,” said Kevin Counihan, CEO of the Health Insurance Marketplace.
March effectuated enrollment equaled 87 percent of total Open Enrollment plan selections, within the 80-90 percent range that Marketplace issuers have consistently anticipated and the same percentage as last year, despite factors that might have been expected to lower the percentage. For example, a higher proportion of consumers this year signed up for January 1 coverage, creating a longer window between their initial plan selection and March in which they could have gained employer or other coverage.
To date, CMS has released Marketplace state-by-state effectuated enrollment snapshots on a quarterly basis, detailing how many consumers have an effectuated enrollment, how many are benefiting from financial assistance, and the distribution of effectuated enrollment by qualified health plan metal level. Changes in effectuated enrollment are influenced by many factors and vary from quarter to quarter, and have been reported based on data gathered by the original payment systems set up when the Marketplace launched.
The Marketplace effectuated enrollment snapshot provides point-in-time estimates. CMS expects enrollment numbers will change over time as consumers find other coverage or experience changes in life circumstances such as employment status or marriage, which may cause consumers to change, newly enroll in, or terminate their plans.
Moving forward, CMS will be reporting effectuated enrollment data semiannually, once for the first six months of the year and once for the full twelve months of the year, based on the average number of effectuated enrollments over the relevant time period. Average effectuated enrollment provides a more meaningful metric of Marketplace participation, since it captures all enrollments over the time period, rather than only enrollment at a particular point in time.  The new reporting will also facilitate comparisons to projections made by the Congressional Budget Office, which reflect average enrollment throughout the year.  As issuers fully transition to a new payment system using policy-based data, rather than issuer-aggregated workbook-based reporting, the new payment system offers the opportunity to conduct more refined enrollment reporting. We expect to issue the first semiannual effectuated enrollment report in the fall.
Along with this effectuated enrollment report, we are also releasing an addendum (below) providing updated data on special enrollment period activity in 2015, as well as an analysis of the reduction in the number of consumers experiencing coverage terminations or adjustments to financial assistance due to unresolved data-matching issues.
The following tables are included in the March 2016 Marketplace Effectuated Enrollment Snapshot:
Table 1: March 31, 2016 Total Effectuated Enrollment and Financial Assistance by State
Table 2: March 31, 2016 Average Advance Payment of Tax Credits by State
Table 3: March 31, 2016 Total Effectuated Enrollment Data by Metal Level by State
March 2016: Total Effectuated Enrollment and Financial Assistance
Of the approximately 11.1 million consumers who had effectuated Marketplace enrollments at the end of March 2016, about 85 percent or about 9.4 million consumers were receiving APTC[iv] and 57 percent or nearly 6.4 million consumers were benefiting from cost sharing reductions (CSRs) to make their coverage more affordable. CSRs are generally available if a consumer’s household income is between 100 percent and 250 percent of the Federal Poverty Level (FPL), the consumer is otherwise eligible for APTC, and the individual chooses a health plan from the silver plan category.
The ten states with the highest rate of consumers who received financial assistance through APTC were: Mississippi (94.2%), Florida (93.3%), Louisiana (92.6%), Wyoming (92.0%), Alabama (91.9%), North Carolina (91.5%), South Carolina (91.0%), Alaska (90.1%), Nebraska (89.9%), and Arkansas (89.7%). The states with the lowest rate of consumers who received APTC are: District of Columbia (6.9%), New York (55.3%), Colorado (61.9%), New Hampshire (63.4%), Minnesota (63.8%), New Mexico (68.9%), Arizona (69.3%), Washington (69.8%), Vermont (70.2%), and Oregon (72.8%).
Table 1: March 31, 2016 Total Effectuated Enrollment and Financial Assistance by State 

 March 31, 2016 Total Effectuated Enrollment and Financial Assistance by State
State
Total Enrollment
APTC Enrollment
Percentage of Enrollment with APTC
CSR Enrollment
Percentage of Enrollment with CSR
Total
11,081,330
9,389,609
84.7%
6,353,551
57.3%
Alabama
165,534
152,206
91.9%
125,424
75.8%
Alaska
17,995
16,205
90.1%
7,500
41.7%
Arizona
179,445
124,346
69.3%
94,463
52.6%
Arkansas
63,357
56,843
89.7%
36,134
57.0%
California
1,415,428
1,239,893
87.6%
707,671
50.0%
Colorado
108,311
67,062
61.9%
28,929
26.7%
Connecticut
102,917
80,759
78.5%
52,132
50.7%
Delaware
25,379
21,467
84.6%
11,146
43.9%
District of Columbia
17,666
1,224
6.9%
279
1.6%
Florida
1,531,714
1,428,712
93.3%
1,125,850
73.5%
Georgia
478,016
427,353
89.4%
322,348
67.4%
Hawaii
13,313
10,958
82.3%
8,067
60.6%
Idaho
94,270
82,802
87.8%
58,781
62.4%
Illinois
335,243
259,701
77.5%
156,469
46.7%
Indiana
168,884
139,437
82.6%
77,251
45.7%
Iowa
48,949
42,595
87.0%
25,677
52.5%
Kansas
89,566
75,815
84.6%
53,034
59.2%
Kentucky
74,640
56,488
75.7%
32,186
43.1%
Louisiana
184,403
170,806
92.6%
118,597
64.3%
Maine
75,240
63,896
84.9%
42,880
57.0%
Maryland
135,208
100,844
74.6%
72,175
53.4%
Massachusetts
207,121
157,751
76.2%
132,721
64.1%
Michigan
313,123
275,080
87.9%
164,725
52.6%
Minnesota
74,060
47,266
63.8%
12,128
16.4%
Mississippi
77,747
73,246
94.2%
60,354
77.6%
Missouri
252,044
225,878
89.6%
148,033
58.7%
Montana
51,758
44,091
85.2%
23,479
45.4%
Nebraska
80,213
72,091
89.9%
41,950
52.3%
Nevada
79,876
71,472
89.5%
48,736
61.0%
New Hampshire
49,114
31,151
63.4%
17,376
35.4%
New Jersey
249,395
205,242
82.3%
129,277
51.8%
New Mexico
47,497
32,703
68.9%
22,655
47.7%
New York
224,014
123,830
55.3%
40,544
18.1%
North Carolina
545,354
499,178
91.5%
360,045
66.0%
North Dakota
20,536
17,630
85.8%
9,199
44.8%
Ohio
212,046
174,448
82.3%
95,312
44.9%
Oklahoma
130,178
113,209
87.0%
81,053
62.3%
Oregon
131,167
95,507
72.8%
52,960
40.4%
Pennsylvania
412,347
321,345
77.9%
227,304
55.1%
Rhode Island
35,583
30,015
84.4%
21,270
59.8%
South Carolina
204,846
186,345
91.0%
150,030
73.2%
South Dakota
24,578
22,005
89.5%
15,108
61.5%
Tennessee
231,705
203,112
87.7%
138,272
59.7%
Texas
1,092,650
913,177
83.6%
646,415
59.2%
Utah
164,415
145,288
88.4%
106,589
64.8%
Vermont
27,883
19,575
70.2%
9,751
35.0%
Virginia
378,838
319,068
84.2%
222,233
58.7%
Washington
158,245
110,476
69.8%
66,083
41.8%
West Virginia
33,235
29,163
87.7%
17,414
52.4%
Wisconsin
224,208
190,542
85.0%
123,307
55.0%
Wyoming
22,076
20,313
92.0%
12,235
55.4%
March 2016: Average APTC by State
Consumers with household incomes between 100 percent and 400 percent of the FPL may qualify for APTC, which helps make their coverage more affordable throughout the year by lowering their share of monthly premium costs. Consumers who qualify for APTC may choose how much of the APTC to apply to their premiums each month, up to the maximum amount for which they are eligible.
The overall average APTC Marketplace consumers received was $291 per month at the end of March 2016. Because the amount of APTC an enrollee may receive depends on household income and the cost of the second lowest cost Silver plan available to the enrollee, the average APTC ranged from $750 per month in Alaska to $178 per month in New York.
Table 2: March 31, 2016 Average Advance Payment of Tax Credits by State

March 2016 Average Advanced Premium Tax Credit by State (for individuals receiving APTC)
State
Average APTC per Month (for all APTC enrollees)
National Average
$291
Alabama
$310
Alaska
$750
Arizona
$230
Arkansas
$306
California
$309
Colorado
$318
Connecticut
$357
Delaware
$330
District of Columbia
$183
Florida
$305
Georgia
$291
Hawaii
$270
Idaho
$265
Illinois
$237
Indiana
$259
Iowa
$307
Kansas
$247
Kentucky
$258
Louisiana
$362
Maine
$342
Maryland
$243
Massachusetts
$190
Michigan
$233
Minnesota
$203
Mississippi
$306
Missouri
$315
Montana
$306
Nebraska
$296
Nevada
$268
New Hampshire
$261
New Jersey
$322
New Mexico
$212
New York
$178
North Carolina
$401
North Dakota
$262
Ohio
$250
Oklahoma
$298
Oregon
$253
Pennsylvania
$248
Rhode Island
$250
South Carolina
$312
South Dakota
$307
Tennessee
$299
Texas
$271
Utah
$187
Vermont
$300
Virginia
$276
Washington
$238
West Virginia
$388
Wisconsin
$332
Wyoming
$459

March 2016: Total Effectuated Enrollment by Metal Level by State
There are four “metal levels” of coverage available through the Marketplace, plus catastrophic plans. Plans in each category can be expected to pay different amounts of the total costs of an average person’s care. This takes into account the plans’ deductibles, copayments, coinsurance, and out-of-pocket maximums. The actual percentage a consumer pays in total or per service will depend on the services used during the year.
  • Catastrophic: The health plan pays less than 60% of the total average cost of care on average, with consumers paying the balance. These plans are only available to people who are under 30 years old at the beginning of the plan year, or those who have a hardship or affordability exemption.
  • Bronze: The health plan pays about 60% and consumer pays about 40%, on average.
  • Silver: The health plan pays about 70% and consumer pays about 30%, on average. Consumers eligible for CSRs can only receive them by enrolling in a silver plan. (Note, American Indians and Alaska Natives can receive CSRs through any metal-level plan.)
  • Gold: The health plan pays about 80% and consumer pays about 20%, on average.
  • Platinum: The health plan pays about 90% and consumer pays about 10%, on average. 
Of the approximately 11.1 million consumers with effectuated enrollment in Marketplace plans at the end of March 2016, less than half a percent were enrolled in Catastrophic plans, 22% were enrolled in Bronze plans, 70% enrolled in Silver plans, 6% enrolled in Gold plans, and 2% enrolled in Platinum plans.
Table 3: March 31, 2016 Total Effectuated Enrollment Data by Metal Level by State

March 2016 Total Effectuated Enrollment by Metal Level
State
Metal Level
Enrollees
Total
Total
11,081,330
Total
Bronze
2,427,537
Total
Catastrophic
67,807
Total
Gold
697,157
Total
Platinum
166,846
Total
Silver
7,721,983
Alabama
Bronze
11,966
Alabama
Catastrophic
1,579
Alabama
Gold
7,068
Alabama
Platinum
621
Alabama
Silver
144,300
Alaska
Bronze
8,476
Alaska
Catastrophic
82
Alaska
Gold
584
Alaska
Silver
8,853
Arizona
Bronze
39,297
Arizona
Catastrophic
3,345
Arizona
Gold
19,915
Arizona
Platinum
1,180
Arizona
Silver
115,708
Arkansas
Bronze
12,299
Arkansas
Catastrophic
348
Arkansas
Gold
6,046
Arkansas
Silver
44,664
California
Bronze
379,710
California
Catastrophic
288
California
Gold
71,548
California
Platinum
54,273
California
Silver
909,609
Colorado
Bronze
49,815
Colorado
Gold
7,790
Colorado
Platinum
947
Colorado
Silver
49,759
Connecticut
Bronze
22,981
Connecticut
Catastrophic
1,327
Connecticut
Gold
12,892
Connecticut
Platinum
1,449
Connecticut
Silver
64,268
Delaware
Bronze
5,503
Delaware
Catastrophic
94
Delaware
Gold
3,413
Delaware
Platinum
680
Delaware
Silver
15,689
District of Columbia
Bronze
4,798
District of Columbia
Catastrophic
890
District of Columbia
Gold
3,536
District of Columbia
Platinum
2,757
District of Columbia
Silver
5,685
Florida
Bronze
224,732
Florida
Catastrophic
7,166
Florida
Gold
59,095
Florida
Platinum
21,497
Florida
Silver
1,219,224
Georgia
Bronze
74,007
Georgia
Catastrophic
5,293
Georgia
Gold
26,081
Georgia
Silver
372,635
Hawaii
Bronze
2,036
Hawaii
Catastrophic
28
Hawaii
Gold
1,001
Hawaii
Platinum
830
Hawaii
Silver
9,418
Idaho
Bronze
21,573
Idaho
Catastrophic
772
Idaho
Gold
6,889
Idaho
Silver
65,036
Illinois
Bronze
97,365
Illinois
Catastrophic
1,313
Illinois
Gold
33,444
Illinois
Silver
203,121
Indiana
Bronze
57,689
Indiana
Catastrophic
685
Indiana
Gold
8,003
Indiana
Silver
102,507
Iowa
Bronze
13,626
Iowa
Catastrophic
73
Iowa
Gold
2,906
Iowa
Platinum
14
Iowa
Silver
32,330
Kansas
Bronze
18,766
Kansas
Gold
6,931
Kansas
Platinum
1,287
Kansas
Silver
62,582
Kentucky
Bronze
20,205
Kentucky
Gold
8,000
Kentucky
Platinum
42
Kentucky
Silver
46,393
Louisiana
Bronze
36,891
Louisiana
Catastrophic
898
Louisiana
Gold
10,185
Louisiana
Platinum
2,107
Louisiana
Silver
134,322
Maine
Bronze
16,796
Maine
Catastrophic
519
Maine
Gold
3,598
Maine
Silver
54,327
Maryland
Bronze
30,980
Maryland
Catastrophic
2,230
Maryland
Gold
10,754
Maryland
Platinum
1,074
Maryland
Silver
90,170
Massachusetts
Bronze
7,224
Massachusetts
Catastrophic
650
Massachusetts
Gold
9,741
Massachusetts
Platinum
5,716
Massachusetts
Silver
183,790
Michigan
Bronze
78,137
Michigan
Catastrophic
2,755
Michigan
Gold
18,482
Michigan
Platinum
2,617
Michigan
Silver
211,132
Minnesota
Bronze
36,136
Minnesota
Catastrophic
864
Minnesota
Gold
11,252
Minnesota
Silver
25,808
Mississippi
Bronze
9,022
Mississippi
Catastrophic
463
Mississippi
Gold
2,376
Mississippi
Platinum
525
Mississippi
Silver
65,361
Missouri
Bronze
65,626
Missouri
Catastrophic
910
Missouri
Gold
12,654
Missouri
Platinum
708
Missouri
Silver
172,146
Montana
Bronze
20,263
Montana
Catastrophic
458
Montana
Gold
2,665
Montana
Silver
28,372
Nebraska
Bronze
26,563
Nebraska
Catastrophic
935
Nebraska
Gold
3,202
Nebraska
Silver
49,513
Nevada
Bronze
17,253
Nevada
Catastrophic
449
Nevada
Gold
3,782
Nevada
Platinum
1,662
Nevada
Silver
56,730
New Hampshire
Bronze
16,807
New Hampshire
Catastrophic
797
New Hampshire
Gold
4,784
New Hampshire
Platinum
620
New Hampshire
Silver
26,106
New Jersey
Bronze
37,256
New Jersey
Catastrophic
767
New Jersey
Gold
20,084
New Jersey
Platinum
5,200
New Jersey
Silver
186,088
New Mexico
Bronze
9,864
New Mexico
Catastrophic
244
New Mexico
Gold
6,952
New Mexico
Platinum
288
New Mexico
Silver
30,149
New York
Bronze
55,734
New York
Catastrophic
1,816
New York
Gold
35,213
New York
Platinum
39,401
New York
Silver
91,850
North Carolina
Bronze
91,622
North Carolina
Catastrophic
5,958
North Carolina
Gold
17,964
North Carolina
Platinum
3,261
North Carolina
Silver
426,549
North Dakota
Bronze
5,063
North Dakota
Catastrophic
453
North Dakota
Gold
4,354
North Dakota
Silver
10,666
Ohio
Bronze
71,050
Ohio
Catastrophic
2,490
Ohio
Gold
15,734
Ohio
Platinum
514
Ohio
Silver
122,258
Oklahoma
Bronze
37,657
Oklahoma
Catastrophic
144
Oklahoma
Gold
5,943
Oklahoma
Silver
86,434
Oregon
Bronze
36,471
Oregon
Catastrophic
1,059
Oregon
Gold
13,166
Oregon
Silver
80,471
Pennsylvania
Bronze
59,995
Pennsylvania
Catastrophic
2,272
Pennsylvania
Gold
44,686
Pennsylvania
Platinum
6,107
Pennsylvania
Silver
299,287
Rhode Island
Bronze
6,696
Rhode Island
Gold
3,948
Rhode Island
Silver
24,939
South Carolina
Bronze
15,586
South Carolina
Catastrophic
1,148
South Carolina
Gold
7,704
South Carolina
Silver
180,408
South Dakota
Bronze
4,708
South Dakota
Catastrophic
268
South Dakota
Gold
1,040
South Dakota
Silver
18,562
Tennessee
Bronze
58,967
Tennessee
Catastrophic
1,565
Tennessee
Gold
7,470
Tennessee
Platinum
973
Tennessee
Silver
162,730
Texas
Bronze
283,356
Texas
Catastrophic
5,462
Texas
Gold
61,993
Texas
Platinum
4,016
Texas
Silver
737,823
Utah
Bronze
23,209
Utah
Catastrophic
445
Utah
Gold
17,355
Utah
Platinum
622
Utah
Silver
122,784
Vermont
Bronze
5,414
Vermont
Catastrophic
315
Vermont
Gold
2,594
Vermont
Platinum
2,702
Vermont
Silver
16,858
Virginia
Bronze
81,533
Virginia
Catastrophic
5,112
Virginia
Gold
24,402
Virginia
Platinum
1,452
Virginia
Silver
266,339
Washington
Bronze
54,015
Washington
Catastrophic
1,379
Washington
Gold
13,175
Washington
Silver
89,676
West Virginia
Bronze
6,294
West Virginia
Catastrophic
79
West Virginia
Gold
3,571
West Virginia
Silver
23,291
Wisconsin
Bronze
50,540
Wisconsin
Catastrophic
1,536
Wisconsin
Gold
10,425
Wisconsin
Platinum
1,704
Wisconsin
Silver
160,003
Wyoming
Bronze
5,965
Wyoming
Catastrophic
84
Wyoming
Gold
767
Wyoming
Silver
15,260

2016 Data Matching
In operating the Marketplace, we are committed to providing access to coverage and financial assistance to individuals and families who are eligible while maintaining strong program integrity protections. Throughout 2014, 2015, and into 2016, the Marketplace has worked to resolve consumers’ data matching issues, including for those individuals whose citizenship, immigration status, or household income application information did not match information in our trusted data sources.
The Marketplace takes regular, monthly action for consumers with unresolved data matching issues who have not provided adequate documentation within 95 days for citizenship or immigration status data matching issues and within 90 days for household income inconsistencies. Consumers who do not submit sufficient documentation to resolve their annual household income data matching issue will have a recalculation of their APTC and/or CSRs based on available tax data. Individuals who have not provided the necessary documentation for their citizenship or immigration status will have their enrollment through the Marketplace terminated. Those individuals whose enrollment through the Marketplace was terminated because of citizenship or immigration status data matching issues are not included in effectuated enrollment totals.
During the time period from January 1, 2016 to March 31, 2016, enrollment in coverage through the Federally-facilitated Marketplace was terminated for about 17,000 consumers with unresolved citizenship or immigration status data matching issues. During the same time period, 73,000 households with unresolved annual household income data matching issues had their APTC and/or CSRs for 2016 coverage adjusted.  Compared to the first quarter of last year, this represents an 85 percent decrease in the number of consumers whose coverage ended because of an unresolved citizenship or immigration data matching issue, and a 69 percent decrease in households with income data matching issues who had their advanced payment of the premium tax credit and/or their cost sharing reduction adjusted.
If consumers believe they have the appropriate documentation but their enrollment through the Marketplace was terminated based on a citizenship/immigration status data matching issue, they are able to submit their documentation to the Marketplace to resolve the data matching issue and regain enrollment through the Marketplace through a Special Enrollment Period.
Addendum Report: Special Enrollment Period Sign ups in 2015
In the Health Insurance Marketplace, most consumers select a plan during the annual Open Enrollment Period.  Consumers who experience one of six types of life events can also select a plan during a special enrollment period.  For states on the HealthCare.gov platform during 2015, 1.6 million individuals who did not select a plan during open enrollment made a plan selection through a special enrollment period (SEP). 
The majority of these consumers (60 percent) received a special enrollment period for loss of minimum essential coverage. This means the consumer enrolled in Marketplace coverage after losing other health insurance, like coverage from their job. In addition, 18 percent of SEP plan selections were made by consumers who initially applied for coverage during open enrollment but needed to receive an eligibility determination from their state Medicaid agency before they could be determined eligible for Marketplace coverage and/or financial assistance. The tax season SEP for 2015 accounted for 9 percent of SEP plan selections. The tax SEP was not available for 2016. Finally, small numbers of consumers enrolled for other reasons, including birth, adoption, marriage, a move, or other circumstances. 
These figures include only consumers who did not have a plan selection during open enrollment; a consumer who enrolled during open enrollment and used an SEP to change plans is not reflected here. 
Table 1: Distribution of SEP Reasons among 2015 Consumers with a Plan Selection Outside of the OE2 Baseline Population
SEP Reason
Count of Plan Selections
% of Plan Selections
Minimum Essential Coverage (MEC) loss
959,714
59.50%
Applicant attested to being denied Medicaid
286,266
17.70%
2015 Tax SEP
152,251
9.40%
Moved to a new service area
57,836
3.60%
Exceptional Circumstance
54,641
3.40%
Other SEPs
54,469
3.40%
Baby born in household
30,973
1.90%
Granted for marriage in household
14,692
0.90%
Granted for adoption in household
3,268
0.20%
Total
1,614,110
100.0%



[i] Individuals effectuate their enrollment by paying their first month’s premium. This snapshot measures individuals who effectuated their enrollment and have an active policy on the date of the snapshot; it does not measure the rate at which consumers pay their first month’s premium. Active policies include those who have paid for the current month and individuals who may be in a grace period for non-payment. Grace periods can vary by state and issuer. For those individuals receiving APTC, issuers are required to give enrollees a three month grace period. 45 CFR §§ 155.430 and 156.270.
[ii] This data is reported by insurance companies with plans in the Health Insurance Marketplaces as part of the interim payment process. Issuers report total effectuated enrollment counts, and the estimated APTC amounts owed to the issuer for those effectuated enrollments. After CMS validates these amounts, issuers are paid monthly based on these estimates. Each month, issuers are permitted to restate prior months’ enrollment and payment data to reflect enrollee cancellations, terminations, or other fluctuations in enrollment. The data in this snapshot represents issuer estimates of individuals with effectuated enrollment for March 2016 as of the May 2016 interim payment process data submission.
[iii] For 2016, there are 38 HealthCare.gov states; including, Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming.  Hawaii, New Mexico, Nevada, and Oregon are State-based Marketplaces using the HealthCare.gov platform for 2016. Thirteen states – California, Colorado, Connecticut, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, New York, Rhode Island, Vermont and Washington – plus the District of Columbia – have their own State-based Marketplaces and are using their own technology platform for 2016.
[iv] Consumers reconcile differences between their projected 2016 household income and their actual household income to determine the final premium tax credits they should receive. This reconciliation process ensures individuals receive the correct amount of tax credit, which will be reflected on their tax return: taxpayers may see a smaller refund or owe money back if they underestimated their household income, or they may get a bigger refund if they overestimated their household income.

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