News

We asked prosecutors if health insurance companies care about fraud. They laughed at us.

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ProPublica is a Pulitzer Prize-winning investigative newsroom. Sign up for The Big Story newsletter to receive stories like this one in your inbox. Like most of us, William Murphy dreads calling health insurance companies. They route him onto a rollercoaster of irrelevant voice menus, and when he finally reaches a human, it’s a customer service rep who has no idea what he’s talking about. Then it can take days to hear back, if anyone responds at all.

Affordable Care Act

Obamacare premiums dip for first time. Some call it a correction.

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After two years of double-digit price hikes, the average premium for individual health coverage on the federal health law’s insurance marketplace will drop by 1.5 percent for 2019, the Trump administration said Thursday. The announcement  marked the first time average premiums have fallen since the exchanges created by the Affordable Care Act went into effect in 2014. It also comes during a bitter midterm congressional campaign season in which health care is a central issue following last year’s efforts by Republicans to repeal the ACA. Administration officials claimed credit for the price drop, saying it was due to their actions to make changes to the law. Health policy experts said it was a reaction to insurers’ huge profits following hefty premium increases on plans offered this year.

Affordable Care Act

NM insurance premiums jumped after Trump actions

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New Mexicans who buy health insurance through the Affordable Care Act’s exchange will pay higher premiums this year, and recent actions by the Trump administration are a big reason why. Customers who earn $47,000 or more and are not covered by employers will see the largest bump. This all comes as open enrollment began on Nov. 1 and will run through Dec. 15.

Affordable Care Act

State insurance superintendent warns against ‘swift changes’ to Affordable Care Act

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The State Superintendent of Insurance told the U.S. House Majority Leader that the Affordable Care Act is flawed, but still warned against drastic changes that would hurt New Mexicans. This came in a letter from Superintendent John Franchini sent to House Majority Leader Kevin McCarthy, R-Calif., last week. “While we agree that there are significant opportunities for improving the ACA, we caution the new administration in making any swift changes that will destabilize the market or upend the gains made to coverage for New Mexico residents,” Franchini wrote. “Importantly, tax credits and cost-sharing reductions serve a vital function in diversifying the risk pool of individuals who purchase insurance.”

The call against “swift changes” comes during a debate between Republican members of Congress and President-elect Donald Trump’s team over how quickly to repeal the ACA and whether to do so in tandem with a replacement plan. #mc_embed_signup{background:#fff; clear:left; font:14px Helvetica,Arial,sans-serif; width:100%;}
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ACA

Udall, Heinrich vote against first steps to repeal Obamacare

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Both U.S. senators from New Mexico voted this week against the first steps the Senate took to repeal the federal Affordable Care Act, known as Obamacare. The Senate vote, held Thursday during early morning hours, changed procedural rules to allow majority votes on so-called reconciliation bills. Such reconciliation bills are limited to actions on the federal budget and are filibuster-proof, meaning they just need 51 votes from senators to pass instead of the usual 60 votes. Republicans plan to use this reconciliation process to repeal as much of the ACA as they can. Sens.

Office of the Superintendent of Insurance

Three agencies question OSI’s plan to collect $193 million owed to state

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Three state agencies expressed a lack of confidence Thursday in the Office of the Superintendent of Insurance’s (OSI) ability to collect millions of dollars back taxes owed to the state from health insurance companies. State Auditor Tim Keller, Department of Finance and Administration State Budget Division Director A.J. Forte and Legislative Finance Committee Deputy Director Charles Sallee all expressed doubts in OSI’s plans to collect an estimated $193 million that it failed to collect from premium health insurance taxes from 2010 through 2015. The comments came at an interim Legislative Finance Committee hearing. “I think it’s very notable there are three oversight agencies looking at this,” Forte told state lawmakers. “There are too many inconsistencies for me to feel comfortable in this process.”

The controversy began when Keller’s office revealed the uncollected revenue in a special audit earlier this year.

2016 special session

Audit: NM didn’t collect $193 million in taxes from insurance companies

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The state failed to collect nearly $200 million in taxes from health insurance companies during a recent five-year period, according to a report released Tuesday by State Auditor Tim Keller. The state Office of the Superintendent of Insurance (OSI) should have collected more than $193 million between April 2010 and April 2015, according to the report. OSI’s purpose is to collect premium taxes from insurers who do business in New Mexico. In the report, Keller noted that the $193 million total is based on a sample representing 26 percent of all premium taxes collected during the time period. In other words, OSI may have failed to collect more than that estimate.

Abuko D. Estrada

Medicaid a bright spot in a dismal economy

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Abuko D. Estrada is a health care attorney with the New Mexico Center on Law and Poverty. Since 2008, it has been gloomy in New Mexico. Our state is still recovering from the Great Recession. Our job growth has been among the worst in the nation, leaving us well short of pre-recession job levels. We are the only state in the nation where more people are moving out than moving in.

Abuko Estrada

Children’s uninsured rate at new low

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ALBUQUERQUE, N.M. – More children in New Mexico and around the nation now have health coverage. According to a new report by the Georgetown University Center for Children and Families, the rate of uninsured children dropped to a historic low of six percent nationally in 2014, the year the Affordable Care Act (ACA) went into effect. Abuko Estrada, staff attorney with the New Mexico Center on Law and Poverty, cites the state’s decision to expand Medicaid under the ACA as a significant factor for the increased coverage of children in the state. He says the move helped create what he calls a “welcome mat effect” when adults went looking for insurance. “Because their parents were going to see what options they had to get coverage under the Affordable Care Act, we were able to capture some of those kids that were missing,” he says.

Congress & Federal Issues

Census Bureau: NM makes major gains in uninsured rate

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Another study has found that the amount of uninsured New Mexicans fell since the passage of health care overhaul legislation. This time, the U.S. Census Bureau released data on Wednesday that showed the uninsured rate in New Mexico fell from 18.6 percent in 2013 to 14.5 percent in 2014, one of the largest drops in the nation. Nationwide numbers showed a drop from 13.3 percent to 10.4 percent. The numbers are in line with other recent uninsured rate numbers that showed improvements both in New Mexico and nationwide. A Gallup poll from earlier this year showed New Mexico’s uninsured rate at 13.1 percent, from 20.2 percent in 2013.