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Health Insurance Survey Report
Idaho Lives Covered-End of Survey Year
2 Year Comparison
Compiled 8/02/2016
Page 2 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Table of Contents
Report Introduction ........................................................................................................... 3
Section 1 - Individual Health Benefit Plans ............................................................... 4-5
Section 2 - Individual - Non-renewable Short Term plans, Medicare, Etc. .................... 6
Section 3 - Group – Small, Mid & Large Employer Health Benefit Plans .............. 7-8
Section 4 - Group – Non-renewable Short Term plans, Medicare, Etc. ...................... 9-10
Section 5 – Population Data ..................................................................................... 11-13
Page 3 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
This report highlights the annual Health Insurance Survey data supplied by carriers that
are licensed in Idaho and provide services or products to Idahoans. The report contains
information acquired via carrier data submissions through the annual online Idaho Health
Insurance Survey portal 2014 & 2015. Furthermore, the compiled data in this report is shown in
the aggregate reflecting a 2 year period and the primary focus is on the number of Idaho lives
covered at the end of the survey years.
The report is separated into five sections; the first section shows the Individual Major
Medical health benefit plan categories; the second is reflective of other Individual Health
Insurance Products such as; Non-renewable short term, Medicare, limited benefits and other
misc. categories; the third section highlights the Group Major Medical-Small (2-50), Midsize
(51-100), and Large Employer (101+) health benefit plans; the fourth section shows other Group
Health Insurance Products such as: Non-renewable short term, Medicare, limited benefits and
other misc. categories; the fifth section highlights the Estimated Idaho population data and
aggregate categorical data. Graphs are included to provide visual references and theoretically to
offer support in the analysis for this volume of data.
It is noteworthy to remember that this Health Insurance Survey report is a historical data
composition or “snapshots” in time and adjustments/data editing can still take place; albeit more
likely on a very small scale. Any large scale data adjustments initiated by the carriers or this
department will be communicated and a revised report will be assembled and submitted.
Page 4 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Section 1 Individual Major Medical Health Benefit Plans
2014 Individual Major Med.-Idaho Lives Covered End of Year
Association or Trusts 682
ACA-Compliant 94,012
Grandfathered Individual Major Med 7,059
Transitional Individual Major Med 17,814
HRP-All 408
2015 Individual Major Med.-Idaho Lives Covered End of Year
Association or Trusts 9
ACA-Compliant 110,754
Grandfathered Individual Major Med 4,599
Transitional Individual Major Med 12,762
HRP-All 100
Type 2014 2015
Association or Trusts 682 9
ACA-Compliant 94,012 110,754
Grandfathered Individual Major Med 7,059 4,599
Transitional Individual Major Med 17,814 12,762
HRP-All 408 100
Totals 119,975 128,224
Carrier Reported Data
Year to year % of Change 2014-2015
Association or Trusts -98.7%
ACA-Compliant 17.8%
Grandfathered Individual Major Med -34.8%
Transitional Individual Major Med -28.4%
HRP-All -75.5%
Total 6.9%
Page 5 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
- 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000
100,000 110,000 120,000 130,000 140,000
Association orTrusts
ACA-Compliant GrandfatheredIndividual Major
Med
TransitionalIndividual Major
Med
HRP-All Totals
2014 682 94,012 7,059 17,814 408 119,975
2015 9 110,754 4,599 12,762 100 128,224
Individual Major Medical-Idaho Lives Covered EOY
Page 6 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Section 2 Other Individual Health Insurance Products - Non-renewable Short Term plans, Medicare, Etc.
Type 2014 2015 Year to year % of Change 2014-2015
Accident AD &D 378,793 381,442 Accident AD &D 0.7%
Dental Benefit 308,886 342,081 Dental Benefit 10.7%
Disability Income 24,740 24,031 Disability Income -2.9%
Hospital Indemnity 8,824 8,435 Hospital Indemnity -4.4%
Limited Benefit 34,317 29,141 Limited Benefit -15.1%
Long-Term Care 22,236 21,414 Long-Term Care -3.7%
Medicare Adv (Title XVIII) 85,629 81,688 Medicare Adv (Title XVIII) -4.6%
Medicare Part D 69,329 83,446 Medicare Part D 20.4%
Medicare Supplement 48,797 54,250 Medicare Supplement 11.2%
Other-Specific Products 10,238 10,512 Other-Specific Products 2.7%
Short-Term Medical 4,071 4,345 Short-Term Medical 6.7%
Specified Disease 78,765 80,277 Specified Disease 1.9%
Vision 8,243 7,064 Vision -14.3%
Carrier Reported Data
- 40,000 80,000
120,000 160,000 200,000 240,000 280,000 320,000 360,000 400,000 440,000 480,000 520,000
AccidentAD &D
DentalBenefit
DisabilityIncome
HospitalIndemn.
LimitedBenefit
Long-TermCare
MedicareAdv (Title
XVIII)
MedicarePart D
MedicareSup.
Other-Specific
Products
Short-Term
Medical
SpecifiedDisease
Vision
2014 378,793 308,886 24,740 8,824 34,317 22,236 85,629 69,329 48,797 10,238 4,071 78,765 8,243
2015 381,442 342,081 24,031 8,435 29,141 21,414 81,688 83,446 54,250 10,512 4,345 80,277 7,064
Other Individual Health Insurance Products
Page 7 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Section 3
Small, Midsize & Large Employer Health Benefit Plans
2014 Group Major Med.-Idaho Lives Covered End of Year
Small Employer (2-50) *Combined Sm. Emp. Basic, Stnd, Cata, ACA, Grandfathered, and Trans line items* 80,270
Small Employer Basic or (MCO) -
Small Employer Standard or (MCO) 14
Small Employer Catastrophic or (MCO) -
Large Employer (101+) 165,179
Midsize Employer (51-100) 35,570
Multiple Employer Association or trust 1,804
Federal Government Benefit Plans 41,374
ACA-Compliant 18,244
Grandfathered Sm. Employer. Major Med 14,769
Transitional Sm. Employer. Major Med 47,243
Grandfathered Midsize Employer. Major Med 4,754
Non-Grandfathered Midsize Employer. Major Med 30,816
Grandfathered Large Employer. Major Med 54,004
Non-Grandfathered Large Employer. Major Med 111,175
2015 Group Major Med.-Idaho Lives Covered End of Year
Small Employer (2-50) *Combined Sm. Emp. Basic, Stnd, Cata, ACA, Grandfathered, and Trans line items* 78,906
Small Employer Basic or (MCO) -
Small Employer Standard or (MCO) 14
Small Employer Catastrophic or (MCO) -
Large Employer (101+) 141,859
Midsize Employer (51-100) 35,237
Multiple Employer Association or trust 951
Federal Government Benefit Plans 42,024
ACA-Compliant 33,522
Grandfathered Sm. Employer. Major Med 12,700
Transitional Sm. Employer. Major Med 32,670
Grandfathered Midsize Employer. Major Med 2,837
Non-Grandfathered Midsize Employer. Major Med 32,400
Grandfathered Large Employer. Major Med 53,571
Non-Grandfathered Large Employer. Major Med 87,337
Page 8 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Type 2014 2015 Year to year % of Change 2014-2015
Small Employer (2-50) 80,270 78,906 Small Employer (2-50) -1.7%
Large Employer (101+) 165,179 141,859 Large Employer (101+) -14.1%
Midsize Employer (51-100) 35,570 35,237 Midsize Employer (51-100) -0.9%
Multiple Employer Association or trust 1,804 951 Multiple Employer Association or trust -47.3%
Federal Government Benefit Plans 41,374 42,024 Federal Government Benefit Plans 1.6%
Totals 324,197 298,977 Total -7.8%
Carrier Reported Data
- 40,000 80,000
120,000 160,000 200,000 240,000 280,000 320,000 360,000 400,000
Small Employer (2-50)
Large Employer(101+)
Midsize Employer(51-100)
Multiple EmployerAssociation or trust
FederalGovernmentBenefit Plans
Totals
2014 80,270 165,179 35,570 1,804 41,374 324,197
2015 78,906 141,859 35,237 951 42,024 298,977
Group Major Medical-Small, Midsize & Large Employer-Idaho Lives Covered EOY
Page 9 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Section 4 Other Group Health Insurance Products - Non-renewable Short Term plans, Medicare, Etc.
Accident or AD&D 622,139
Blanket / Student Plan 28,295
Dental Benefit 108,986
Hospital Indemnity 6,153
Limited Benefit 6,983
Long Term Care 5,929
Long Term Disability 153,919
Medicare Part D 20,745
Medicare Supplement 15,526
Short Term Disability 84,372
Specified Disease 19,076
Stop Loss-Excess Loss 120,376
Vision 194,676
Other-Specific Products 83,879
2014 Idaho Lives Covered End of Year
Accident or AD&D 670,735
Blanket / Student Plan 54,803
Dental Benefit 127,186
Hospital Indemnity 8,474
Limited Benefit 9,344
Long Term Care 5,894
Long Term Disability 164,602
Medicare Part D 20,370
Medicare Supplement 16,909
Short Term Disability 88,838
Specified Disease 19,474
Stop Loss-Excess Loss 160,421
Vision 159,574
Other: Specific Misc. Group Products 66,166
2015 Idaho Lives Covered End of Year
Page 10 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Type 2014 2015 Year to year % of Change 2014-2015
Accident or AD&D 622,139 670,735 Accident or AD&D 8%
Blanket / Student Plan 28,295 54,803 Blanket / Student Plan 94%
Dental Benefit 108,986 127,186 Dental Benefit 17%
Hospital Indemnity 6,153 8,474 Hospital Indemnity 38%
Limited Benefit 6,983 9,344 Limited Benefit 34%
Long Term Care 5,929 5,894 Long Term Care -1%
Long Term Disability 153,919 164,602 Long Term Disability 7%
Medicare Part D 20,745 20,370 Medicare Part D -2%
Medicare Supplement 15,526 16,909 Medicare Supplement 9%
Short Term Disability 84,372 88,838 Short Term Disability 5%
Specified Disease 19,076 19,474 Specified Disease 2%
Stop loss-Excess Loss 120,376 160,421 Stop loss-Excess Loss 33%
Vision 194,676 159,574 Vision -18%
Other-Specific Products 83,879 66,166 Other-Specific Products -21%
Carrier Reported Data
- 50,000
100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 500,000 550,000 600,000 650,000 700,000
Accidentor AD&D
Blanket /Student
Plan
DentalBenefit
HospitalIndemn.
LimitedBenefit
LongTermCare
LongTerm
Disability
Medicare Part D
Medicare Sup.
ShortTerm
Disability
SpecifiedDisease
Stoploss-
ExcessLoss
Vision Other-Specific
Products
2014 622,139 28,295 108,986 6,153 6,983 5,929 153,919 20,745 15,526 84,372 19,076 120,376 194,676 83,879
2015 670,735 54,803 127,186 8,474 9,344 5,894 164,602 20,370 16,909 88,838 19,474 160,421 159,574 66,166
Other Group Health Insurance Products
Page 11 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
Section 5
Population Data
2014 Idaho Population (Est.)* 1,634,806
2014 Idaho Uninsured Lives (Est.)** 245,221
2014 Idaho Insured Lives (Est.) 1,389,585
*Census and DOL estimates as of July 1, 2014.
**Kaiser Family Foundation estimates 2014
Idaho uninsured rate of 15% based on Census
Bureau's March 2014 CPS (Current Population
Survey).
2015 Idaho Population (Est.)* 1,654,930
2015 Idaho Uninsured Lives (Est.)** 182,042
2015 Idaho Insured Lives (Est.) 1,472,888
*Census and DOL estimates as of July 1, 2015.
**Kaiser Family Foundation estimates 2015
Idaho uninsured rate of 11% based on Census
Bureau's March 2015 CPS (Current Population
Survey).
2014 Idaho Insured Lives EOY
Individual Major Med* 119,975
Sm. Gr. Major Med* 80,270
Mid. Gr. Major Med* 35,583
Lrg. Gr. Major Med* 165,179
Fed. Gov. Benefits* 41,374
Mult. Emp. Assoc. and Trusts.* 1,804
Self-Funded H P-Major Med** 328,432
Medicare*** 170,694
Medicare Advantage (XVIII)* 85,629
Medicaid**** 51,609
Medicaid-Child**** 189,768
CHIP**** 30,615
Tricare***** 50,750
VA Care****** 41,266
1,392,948
2015 Idaho Insured Lives EOY
Individual Major Med* 128,224
Sm. Gr. Major Med* 78,906
Mid. Gr. Major Med* 35,237
Lrg. Gr. Major Med* 141,859
Fed. Gov. Benefits* 42,024
Mult. Emp. Assoc. and Trusts.* 951
Self-Funded H P-Major Med** 417,791
Medicare*** 175,191
Medicare Advantage (XVIII)* 81,688
Medicaid**** 45,737
Medicaid-Child**** 202,190
CHIP**** 34,513
Tricare***** 50,455
VA Care****** 42,592
1,477,358
*2014 Idaho Health Insurance Survey
**2014 Idaho Self-Funded Health Plan Survey
***CMS.gov Medicare Enrollment Dashboard
Data file
****Medicaid.gov December 2014 enrollment
numbers less Child and CHIP data
****From Medicaid.gov based on FFY (Federal
Fiscal Year 10/1/2013 thru 9/30/2014)
****From Medicaid.gov based on FFY (Federal
Fiscal Year 10/1/2013 thru 9/30/2014)
*****Evaluation -TRICARE Program FY2015
Report to Congress-data for FY2014 MHS
(Health.mil)
******Estimates by the Allocation Resource
Center (ARC) for FY14 (ending 9/30/2014)
*2015 Idaho Health Insurance Survey
**2015 Idaho Self-Funded Health Plan Survey
***CMS.gov Medicare Enrollment Dashboard
Data file
****Medicaid.gov December 2015 enrollment
numbers less Child and CHIP data
****From Medicaid.gov based on FFY (Federal
Fiscal Year 10/1/2014 thru 9/30/2015)
****From Medicaid.gov based on FFY (Federal
Fiscal Year 10/1/2014thru 9/30/2015)
*****Evaluation - TRICARE Program FY2015
Report to Congress-data for FY2015 MHS
(Health.mil)
******Estimates by the Allocation Resource
Center (ARC) for FY15 (ending 9/30/2015)
Page 12 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx
8.6%
5.8%2.6%
11.9%
3.0%
0.13%23.6%
12.3%
6.1%
3.7%
13.6%
2.2%3.6% 3.0%
2014 Idaho Insured Lives EOY
Individual Major Med
Sm. Gr. Major Med
Mid. Gr. Major Med
Lrg. Gr. Major Med
Fed. Gov. Benefits
Mult. Emp. Assoc. and Trusts.
Self-Funded H P-Major Med
Medicare
Medicare Advantage (XVIII)
Medicaid
Medicaid-Child
CHIP
Tricare
VA Care
8.7%5.3%
2.4%
9.6%
2.8%
0.06%28.3%
11.9%
5.5%
3.1%
13.7%
2.3%3.4% 2.9%
2015 Idaho Insured Lives EOY
Individual Major Med
Sm. Gr. Major Med
Mid. Gr. Major Med
Lrg. Gr. Major Med
Fed. Gov. Benefits
Mult. Emp. Assoc. and Trusts.
Self-Funded H P-Major Med
Medicare
Medicare Advantage (XVIII)
Medicaid
Medicaid-Child
CHIP
Tricare
VA Care
Page 13 of 13
Health Insurance Survey Report-Idaho Lives Covered EOY-2 yr comparison 2014-2015.docx