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Your Health Idaho reports record open-enrollment numbers, outlines finances and Medicaid expansion impacts
Summary
The executive director of Your Health Idaho briefed the Senate Health and Welfare Committee on 2024 activity and open enrollment 2025, reporting record enrollment, financial reserves, and potential impacts if Medicaid expansion were repealed.
Pat Kelly, executive director of Your Health Idaho, briefed the Senate Health and Welfare Committee on the marketplace’s 2024 activity, open enrollment 2025 results and the exchange’s finances.
Kelly told the committee the exchange ended 2024 with an average enrollment of about 120,000 Idahoans and that open enrollment 2025 saw more than 139,000 Idahoans select a plan. He said over 90% of enrollees receive a federal tax credit that lowers premiums, 71% of enrollments are completed with the help of an agent, broker or enrollment counselor, and more than half of enrollees have remained with the exchange for four or more years. Kelly said Your Health Idaho has delivered roughly $44,000,000 in savings since inception and operates without state funding, supported primarily by an assessment fee on plans (2.49% in 2024) and other revenue streams; the exchange plans to move to a per-member-per-month fee in 2025 for greater predictability.
Kelly described customer-service and technology improvements, noting a 21% increase in enrollment coupled with a 16% decrease in inbound customer inquiries and a Net Promoter Score of 73 for 2024 and open enrollment 2025. Kelly said the exchange holds cash reserves equal to six to nine months of operating expenses and owns its building and technology platform.
On the subject of Medicaid expansion, Kelly said that of roughly 85,000 people in the Medicaid expansion population, about 19,100 have incomes between 101% and 138% of the federal poverty level and would become eligible for an exchange tax credit in a state without expansion; he noted specific questions about the remaining coverage-gap population are best answered by the Department of Health and Welfare.
Kelly’s presentation was informational; no committee action was taken. Committee members asked clarifying questions about Medicaid-expansion impacts and other technical details; Kelly said the exchange adheres to a “no wrong door” principle to route Idahoans to the correct program based on eligibility.
