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By Lynn A. Blewett, Ph.D.  State Health Access Data Assistance Center University of Minnesota, School of Public Health Division of Health Policy and Management Albany, New York April 9, 2008 Minnesota Comprehensive Health Association  (MCHA) Presentation for the  Rockefeller Institute of Government and  New York State Health Foundation
Acknowledgements ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Overview of Presentation ,[object Object],[object Object],[object Object],[object Object]
MN Context: Health Insurance Coverage (2007) Source: MN Department of Health and University of Minnesota School of Public Health, 2008. For total population, including elderly. % of Uninsured Employed = 71.3% % in Small Businesses = 44.1%
MN Context: Public Programs (2005) Source: MN Department of Health, Health Economics Program,  2007.
MN Context: Private Market (2005) Source: MN Department of Health, Health Economics Program, 2007.
MN Context:  Small Group Regulation Expands COBRA to small businesses X State Continuation Coverage Required parity goes beyond annual/lifetime limits X Mental Health Parity Additional mandated benefits  X Service Coverage Requirements X Pre-Existing Condition Exclusion Rules X Guaranteed Renewal X Guaranteed Issue X Definition of Small Group (2-50 individuals) MN Additions Exceeds/Augments Federal Standard Meets  Federal Standard Area of Regulation
MCHA: The Basics ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MCHA: Eligibility ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MCHA: Plans and Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MCHA: Plans and Benefits  (continued) ,[object Object],[object Object],[object Object],[object Object]
Examples of Current Premiums  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MCHA: Enrollment and Claims  Source: Comprehensive Health Insurance for High Risk Individuals:  A State-By State Analysis, 2006 and 2008
MCHA: Claims per Enrollee Source: Comprehensive Health Insurance for High Risk Individuals: A State-by-State Analysis, 2006 and 2008. Figure presented = total claims for year divided by number of enrollees as of December.
MCHA: Financing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Premium and Assessment Contributions to Total Costs Source: Comprehensive Health Insurance for High-Risk Individuals: A State-by-State Analysis, 2006 and 2008.  Total costs = claims and administration.
MN High Risk Pool Issues (1) ,[object Object],[object Object],[object Object],[object Object]
MN High Risk Pool Issues (2) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
MN High Risk Pool Issues (3) ,[object Object],[object Object],[object Object],[object Object],[object Object]
MN High Risk Pool Issues (4) ,[object Object],[object Object],[object Object],[object Object],[object Object]
MN High Risk Pool Issues (5) ,[object Object],[object Object],[object Object],[object Object],[object Object]
Contact Information www.shadac.org 2221 University Avenue, Suite 345  Minneapolis Minnesota 55414  (612) 624-4802 Principal Investigator: Lynn Blewett, Ph.D.    ( blewe001@umn.edu) Center Director: Kelli Johnson, M.B.A.    ( [email_address] ) Senior Research Fellow:  Donna Spencer, ABD  ( [email_address] ) MCHA Link:  http://www.mchamn.com /

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Minnesota Comprehensive Health Association (MCHA)

  • 1. By Lynn A. Blewett, Ph.D. State Health Access Data Assistance Center University of Minnesota, School of Public Health Division of Health Policy and Management Albany, New York April 9, 2008 Minnesota Comprehensive Health Association (MCHA) Presentation for the Rockefeller Institute of Government and New York State Health Foundation
  • 2.
  • 3.
  • 4. MN Context: Health Insurance Coverage (2007) Source: MN Department of Health and University of Minnesota School of Public Health, 2008. For total population, including elderly. % of Uninsured Employed = 71.3% % in Small Businesses = 44.1%
  • 5. MN Context: Public Programs (2005) Source: MN Department of Health, Health Economics Program, 2007.
  • 6. MN Context: Private Market (2005) Source: MN Department of Health, Health Economics Program, 2007.
  • 7. MN Context: Small Group Regulation Expands COBRA to small businesses X State Continuation Coverage Required parity goes beyond annual/lifetime limits X Mental Health Parity Additional mandated benefits X Service Coverage Requirements X Pre-Existing Condition Exclusion Rules X Guaranteed Renewal X Guaranteed Issue X Definition of Small Group (2-50 individuals) MN Additions Exceeds/Augments Federal Standard Meets Federal Standard Area of Regulation
  • 8.
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  • 10.
  • 11.
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  • 13. MCHA: Enrollment and Claims Source: Comprehensive Health Insurance for High Risk Individuals: A State-By State Analysis, 2006 and 2008
  • 14. MCHA: Claims per Enrollee Source: Comprehensive Health Insurance for High Risk Individuals: A State-by-State Analysis, 2006 and 2008. Figure presented = total claims for year divided by number of enrollees as of December.
  • 15.
  • 16. Premium and Assessment Contributions to Total Costs Source: Comprehensive Health Insurance for High-Risk Individuals: A State-by-State Analysis, 2006 and 2008. Total costs = claims and administration.
  • 17.
  • 18.
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  • 20.
  • 21.
  • 22. Contact Information www.shadac.org 2221 University Avenue, Suite 345 Minneapolis Minnesota 55414 (612) 624-4802 Principal Investigator: Lynn Blewett, Ph.D. ( blewe001@umn.edu) Center Director: Kelli Johnson, M.B.A. ( [email_address] ) Senior Research Fellow: Donna Spencer, ABD ( [email_address] ) MCHA Link: http://www.mchamn.com /