RHODE ISLAND HEALTH INSURANCE BY THE NUMBERS

Access to Insurance Covered Lives

Large Group1A 142,804 Small Group1A 47,574 Individual1A 41,806 HSA/HDHP2 13,213 Medigap3B 46,246 Medicare Advantage4 81,486

0 12,500 25,000 37,500 50,000 62,500 75,000 87,500 150,000

Health Insurance Employment in Rhode Island Employees Payroll Average Wage

Health Plan Employees6 Health Plan Employees6D Health Plan Employees6D 1,572 $124,337,000 $79,095

Insurance-Related Insurance-Related Insurance-Related 7 7E 7E Employees Employees Employees 2,811 $343,390,000 $122,181

Health Insurance Coverage of Rhode Island Residents8F

G 64% 17% 13% 5% N/A

Private Medicaid Medicare Uninsured Other

Data compiled by America’s Health Insurance Plans (AHIP), Center for Policy and Research, October 2017. RHODE ISLAND Largest Health Plans by Number of Covered LivesH

Blue Cross & Neighborhood 9 Tufts Blue Shield of Health Plan of Commercial Aetna Cigna Health Plan Rhode Island Rhode Island

Blue Cross & 10 Medigap Blue Shield of Colonial Penn Humana UnitedHealthcare USAA Life Rhode Island

Blue Cross & Neighborhood Medicare Blue Shield of Health Plan of 11 Aetna Healthfirst UnitedHealthcare Advantage Rhode Island Rhode Island

State Premium Tax Collected13J $113,993,000

Sources All data sources, labeled 1 - 13, are referenced in detail on the “Sources” page at the end of the full report, or at this link: http://www.ahip.org/2017-State-Data

Notes A. Large group covered lives were calculated as domestic comprehensive health E. The U.S. Census Bureau was NOT able to supply data on NAIC code 524292 coverage policies issued to large group employers as of 12/31/15. This includes (Third Party Administration of Insurance and Pension Funds), for the following Federal Employees Health Benefit Plan, TRICARE and similar insured state and states: Colorado, Delaware, Maine, and North Dakota. local fully insured programs, but does not include the self-funded coverage. The U.S. Census Bureau could only provide direct jobs data for NAIC 524130 Small group covered lives were calculated as domestic comprehensive health (Reinsurance Carriers) for the following states: California, Florida, Georgia, coverage policies that were issued to small groups as of 12/31/15. AHIP used Illinois, Massachusetts, Michigan, New Jersey, New York, North Carolina, Ohio, NAIC’s definition of a “small group plan,” which is defined as a health plan ofered Pennsylvania, Tennessee, Texas, Vermont, Virginia, and Wisconsin. in the small group market as such term is defined in the state law. Small group definitions may vary across states. The U.S. Census Bureau was NOT able to supply data on NAIC code 524291 (Claims Adjusting) for the following states: Alaska, District of Columbia, Louisiana, Individual covered lives were calculated as comprehensive health coverage Nevada, New Jersey, New Hampshire, and Rhode Island. Missing data were policies that were issued to an individual covering the individual and/or their assigned a value of zero. dependents in the United States’ individual market as of 12/31/15. Group conversion F. policies are also included, as defined in NAIC Group Insurance Mandatory These estimates are based on the Kaiser Family Foundation’s definitions. The sum Conversion Privilege Model Act #105. Available at: http://www.naic.org/store/free/ may not add up to 100% due to exclusion of a small number of people with private MDL-105.pdf (accessed on April 18, 2017). coverage of an unknown source and rounding. Private health insurance coverage is defined as those either covered by employer-sponsored coverage through their B. Medigap covered lives included the sum of enrollment numbers reported to NAIC own job or as a dependent in the same household, or as individuals/families that and in the case of California, the enrollment numbers reported to the California purchased or are covered as a dependent by non-group insurance. Private health Department of Managed Health Care. insurance coverage also includes individuals covered by private insurance from outside the household for which the origin (employer-sponsored insurance or non- D. The U.S. Census Bureau did NOT supply data on direct jobs in health insurance for group plans) is unknown. NAIC code 524114 (Direct Health and Medical Insurance Carriers) for the following states: District of Columbia, Maryland, Nebraska, North Carolina, North Dakota, G. Estimates having standard errors greater than 30% cannot be considered reliable South Carolina, and Vermont. and are not reported. They appear as “N/A” herein. The U.S. Census Bureau could only provide direct jobs data for NAIC code H. Health plan listings are alphabetical among the set of plans with the highest 621491 (HMO Medical Carriers) for the following states: Arizona, Florida, Louisiana, enrollment in the state in the year noted. Plan lists do not include commercial Michigan, Minnesota, and New Jersey. Missing data were assigned a value of zero. health plans that are regulated by another state. The U.S. Census Bureau does not report data for those states having a limited J. Includes state premium taxes collected from all types of insurance companies, G number of employers in order to maintain anonymity. These states were listed as including health insurance. This reflects existing state tax laws, not the federal ACA N/A “Not Reported” and therefore, their data were not included in the calculation of health insurance tax. statistics on payroll and average wages.

Illustrations are for graphical representation only and may not be exact.

Data compiled by America’s Health Insurance Plans (AHIP), Center for Policy and Research, October 2017. RHODE ISLAND