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But for individuals who do need coverage, as the new federal law mandates, the enrollment numbers represent a surge of interest the past four weeks. Individuals had faced a deadline to enroll by Monday to be covered Jan. 1, but the government's 24 hour extension moved the deadline to 11:59 tonight. The exchange opened Oct. 1 amid technical problems that the government pledged to fix by the end of November. Applications began as a trickle of business this fall but jumped to about 100 a day in December, Muller said.
Health insurance tally in S
"From our standpoint, we priced our product in the individual market based on our estimated numbers and demographics," said Kirk Zimmer, CEO at Dakotacare. "We focused more of our time on small businesses and that's been Converse Boots Indonesia going gangbusters. That doesn't mean we'll be using that same approach next year."
"We priced the product to be appropriate for what we thought the risk was," Krystopolski said.
The three South Dakota insurers offering coverage through the exchange Avera, Sanford and Dakotacare reported an array of results Monday.
insurance arm of the South Dakota State Medical Association, an organization representing 2,000 doctors and medical students in the state. The Sanford and Avera insurance plans are part of the health networks including the two biggest hospital chains in the state.
Most enrollees have qualified for some level of subsidy in which tax money will help pay for coverage under provisions of the Affordable Care Act.
The signup deadline has been a moving target. The government moved it to Monday and then Monday changed it to Tuesday for coverage by Jan. 1. Usually, payments would be due before coverage takes effect, but a a national industry group called America's Health Insurance Plans agreed to accept payments by Jan. 10 with coverage retroactive to the start of the year. That, however, is optional, and a guideline only, insurers said Monday. Sanford is sticking with a Dec. 31 deadline. Dakotacare will accept payments until Jan. 6. Avera wants payments by Jan. 7 but will accept them until Jan. 10.
to take effect Jan. 1.
Average: early 40sAvera has had 1,889 enrollments, more than three fourths the state total. Muller said 75 percent of them qualify for a subsidy, some very tiny and some covering almost the full cost of insurance. The typical enrollee for Avera has been in the early 40s age group, much younger than one national report showing the average age to be in the early 50s.
Few for DakotacareDakotacare has had fewer than 50 enrollments.
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Rates are higher for many customers, she said.
Sanford has had 629 people sign up in South Dakota, said Ruth Krystopolski, president of the Sanford health plan. The average premium for those customers is $465 a month. About 40 percent of the enrollees have been eligible for subsidies, and those subsidies have worked out, on average, to $436 a month, she said.
"This was unlike any other past season where you didn't know where the competition was," Muller said. "This is a mission moment for us to be able to provide coverage for individuals."
Most South Dakotans have health insurance through employer group plans, Medicare or Medicaid and don't need to concern themselves with the federal exchange.
A separate deadline March 31 marks the date Americans must have coverage in order to be counted as insured in 2014. Most Americans without coverage that date will face a tax penalty when they file for 2014 in early 2015.
"We're getting a fair amount of people in their 20s and 30s, balancing out those in their 50s and 60s," Muller said.
Muller said each system had to go with their own expectations of how the marketplace would play out.
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"The hospital plans are just a little more aggressive . with their pricing," Zimmer said.
of people in the state of South Dakota, especially in the agriculture industry, who had high dollar deductible plans. Those plans can't exist anymore. For those folks, premiums are going up," she said.
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