After Open Enrollment Ends On January 15, 2022 The Only Way To Obtain .

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2022: OVERVIEW OF THE HEALTH INSURANCE MARKET IN KANSASOpen Enrollment for Individuals and Families for Plan Year 2022As a Federally Facilitated Marketplace (FFM), Kansas utilizes healthcare.gov for openenrollment. Some insurers do offer the ability for consumers to enroll directly in a Marketplaceplan with that company.Open enrollment is an opportunity for Kansans to make changes, evaluate whether to enroll incoverage, stay on their current policy, if available, or enroll in a different policy from the samecompany or a different company.Open enrollment for plan year 2022 begins on November 1, 2021 and ends January 15, 2022.You must enroll by December 15, 2021 if you would like your coverage to start on January1, 2022.After open enrollment ends on January15, 2022 the only way to obtaincoverage is via a special enrollmentperiod (SEP) due to a qualifying event.During open enrollment the federal government will suggest new plans for individuals onqualified health plans (QHPs) that companies are discontinuing after 2021. Consumers coveredby plans that will not be offered in 2022 do not have to enroll in the plan suggested to them.They can shop for any plan available to them depending on where they live. The new plan iseffective only when the premium is paid.Kansans should report changes to their income, address, and household information as soon aspossible. If changes are not reported, Federal taxes could be affected. Changes are reporteddirectly to the Marketplace by updating your application. Application updates may be doneonline, by phone, or in person. The FFM will re-determine enrollee eligibility for advancepremium tax credits (APTC) and income-based cost-sharing reductions (CSRs) for thosereceiving financial assistance using the most recent income data available.

Page 2Coverage may also be purchased off the Marketplace during the open enrollment period from thesame companies offering coverage on the Marketplace. There are twenty-four policies that areonly offered off the FFM that are not offered on the FFM. The only way to obtain coverage afteropen enrollment ends on January 15, 2022 is via a special enrollment period due to a qualifyingevent.Important Information Tax credits and cost-sharingreductions are only availablewhen purchasing on theMarketplace. If you qualify for cost-sharingreductions, you must pick a silverplan to receive the extra savings.Consumers should fully understand the network requirement of any plan they are considering.Companies may change the type of policy they sell from one year to the next resulting inpotential network implications. Consumers should check to be certain that their physicians andall other medical providers are in the network for the plan they are considering purchasing. Ifpurchasing a plan with an EPO network be certain to understand whether your plan requires youto use a “gatekeeper” before receiving services.

Page 3Companies may offer the following types of individual and small group policies: Exclusive Provider Organization (EPO) – A type of managed care organization(health plan) that provides health care coverage through preferred health care providersonly. The EPO may require use of a gatekeeper, a primary care professional who makesreferrals for specialty care. Health Maintenance Organization (HMO) – A type of managed care organization(health plan) that provides health care coverage through a network of hospitals, doctorsand other health care providers. Typically, the HMO only pays for care provided by anin-network provider. Preferred Provider Organization (PPO) – A type of health plan that provides healthcare coverage through a network of providers. Typically, the PPO requires thepolicyholder to pay higher costs when they seek care from an out-of-network provider. Point of Service (POS) – A managed care plan that gives members the option of seekingcare from a specialist without a referral from a primary-care physician. Such servicesare subject to a higher deductible and/or coinsurance.The various metal levels indicate how you and your health insurance plan will share in the costsof care. There are catastrophic, bronze, expanded bronze, silver, gold and platinum metal levels.Catastrophic plans cover three primary care visits per year before the plan’s deductible is met.The premium paid each month is generally low, but the out-of-pocket costs for deductibles,copayments, and coinsurance are generally higher. To qualify for a catastrophic plan you mustbe under the age of 30 or receive a “hardship exemption” because the FFM has determined thatyou are unable to afford health coverage.Bronze plans offer the lowest monthly premium and the highest cost when you seek care.Expanded bronze plans either cover and pay for at least one major service, other than preventiveservices before the deductible or meet the requirements to be a high deductible health plan.Covered major services could include primary care visits, specialist visits, emergency roomservices, inpatient hospital services, generic drugs, preferred brand drugs, or specialty drugs.Platinum plans offer the highest monthly premium and the lowest costs when you receive care.

Page 4Key Dates to Remember:November 1, 2021 - OpenEnrollment begins.December 15, 2021-Enroll bydate for coverage to begin onJanuary 1, 2022.January 15, 2022 - OpenEnrollment ends.

Page 5Policy Options for Individuals and FamiliesConsumers shopping on the FFM in Kansas will have the opportunity to purchase individualpolicies offered by Medica Insurance Company (105 counties); Blue Cross and Blue Shield ofKansas (103 counties); Ambetter from Sunflower Health Plan insured by Celtic InsuranceCompany (91 counties); Cigna Health and Life Insurance Company (8 counties); OscarInsurance Company (2 counties); Blue Cross and Blue Shield of Kansas City (2 counties) andUS Health and Life Insurance Company (7 counties). Availability depends on the insured’sgeographic location.Marketplace Policies Available in Kansas in 2022CompanyTypeBlue Cross and Blue Shield ofKansas, Inc.EPOMedica Insurance CompanyEPOAmbetter from SunflowerHealth Plan insured by CelticInsurance CompanyEPOCigna Health and LifeInsurance CompanyEPOOscar Insurance CompanyEPOBlue Cross and Blue Shield ofKansas CityEPOEPOUS Health and Life InsuranceCompanyAvailability byCountyNot available inJohnson andWyandotte countiesPlans availablestatewideNot available inWallace,Hamilton, Kearney,Finney, Stanton, Grant,Haskell, Gray, Ford,Morton, Stevens,Seward, Mead or ClarkcountiesPlans available inJohnson, Wyandotte,Leavenworth, Miami,Harvey, Sumner, Butlerand Sedgwick countiesPlans available inJohnson andWyandotte 406104112106Plans available inJohnson andWyandotte counties0531Plans available inButler, Cowley,Harper, Harvey,Kingman, Sedgwickand Sumner counties.0431Total Individual: 1234534422

Page 6Consumers may purchase coverage off the FFM if they prefer. Individual policies from the samecompanies, are also available off the FFM, depending on residential county. It is important toremember that tax credits and cost-sharing reductions are only available when purchasingon the Marketplace.Small Business Health InsuranceCoverage is not available through the Small Business Health Options Program (SHOP) exchangein Kansas but coverage off the SHOP is available in the small group market from Blue Cross andBlue Shield of Kansas City; Blue Cross and Blue Shield of Kansas, Inc.; UnitedHealthcareInsurance Company; Aetna Life Insurance Company; Aetna Health Inc.; Humana Health Plan,Inc.; Humana Insurance Company and Cigna Health and Life Insurance Company.Off SHOP Policies Available in Kansas in 2022CompanyAetna Health Inc.Aetna Life InsuranceCompanyBlue Cross and Blue Shieldof Kansas, Inc.Blue Cross and Blue Shieldof Kansas, Inc.Blue Cross and Blue Shieldof Kansas 100EPO92331PPO142534EPO52210Blue Cross and Blue Shieldof Kansas CityPPO156630Cigna Health and LifeInsurance CompanyPPO36418104Humana Health Plan, Inc.POS431016170Humana 41037111113UnitedHealthcareInsurance CompanyUnitedHealthcareInsurance CompanyTotal Small Group

Page 7Other Health Insurance and Benefit Coverage OptionsShort-term, Limited Duration InsuranceShort-term, limited duration insurance (STLDI) policies in Kansas may include policyterms of either six or twelve months (364 days) with one renewal for a maximum policyduration of twenty-four months pursuant to state law.These policies may be medically underwritten and the end of a short-term, limitedduration policy does not qualify the insured for an SEP. When someone is covered byone of these plans and the coverage ends, if they cannot pass medical underwriting, theywill have to wait until the next open enrollment period to purchase major medicalcoverage. Their major medical coverage will not be effective until January 1 of thefollowing year. Exceptions would be if someone experiences a qualifying event thattriggers a special enrollment period.For a list of companies that write short-term, limited duration insurance policies inKansas please go to th/Individualshort-term-carriers.pdfStand-Alone Dental PlansFor individual policies that do not include pediatric dental, stand-alone dental plans are available.Exchange certified stand-alone dental plans include pediatric dental to meet the essential healthbenefits. The annual limitation on cost sharing for 2022 is 375 for one child and 750 for twoor more children.In 2022, consumers shopping on the Marketplace in Kansas will have the opportunity topurchase individual dental policies offered by BEST Life and Health Insurance Company,Dentegra Insurance Company, Renaissance Life & Health Insurance Company of America,TruAssure Insurance Company and The Guardian Life Insurance Company of America. Thereare 16 individual policies available on the Marketplace.Marketplace Dental Policies Available in Kansas in 2022(Individual or Family)CompanyBEST Life and Health Insurance CompanyDentegra Insurance CompanyRenaissance Life & Health Insurance Company of AmericaTruAssure Insurance CompanyThe Guardian Life Insurance Company of AmericaTotal IndividualTotal4242416

Page 8Consumers shopping off the FFM in Kansas will have the opportunity to purchase certifiedstand-alone dental policies offered by the following companies: BEST Life and HealthInsurance Company, Renaissance Life & Health Insurance Company of America, TruAssureInsurance Company and The Guardian Life Insurance Company of America.Off Marketplace Dental Policies Available in Kansas in 2022(Individual or Family)CompanyBEST Life and Health Insurance CompanyRenaissance Life & Health Insurance Company of AmericaTruAssure Insurance CompanyThe Guardian Life Insurance Company of AmericaTotal4424Total14Off SHOP Dental Policies Available in Kansas in 2022 (Small Group)CompanyMetropolitan Life Insurance CompanyTotal1Premium Rates for Individual and Small Group MarketsThe actuarial review of premium rate filings is conducted by the Kansas Insurance Department.KHIIS (Kansas Health Insurance Information System) claims data is utilized during the ratereview process to help assess if requested rates are justified, equitable and not excessive.Individual plan premium rates are allowed to vary by age, rating area, family composition andtobacco usage. There are seven rating areas in Kansas. A map of the counties included in eachrating area is provided on the next page.

Page 9The following table provides details regarding the average requested rate revisions for plan year2022 for companies writing individual policies in laceBlue Cross and Blue Shield ofKansas, Inc.6.71%YesYesMedica Insurance Company15.31%YesYesNew in 2022YesYesOscar Insurance Company1.59%YesYesCigna Health and Life InsuranceCompany6.10%YesYes11.93%YesYesNew in 2022YesYesCompany NameAmbetter from Sunflower HealthPlan insured by Celtic InsuranceCompanyBlue Cross and Blue Shield ofKansas CityUS Health & Life InsuranceCompany

Page 10Small Business Health Insurance RatesThe range of average rate revisions by insurance companies for policies sold off the 2022federally facilitated SHOP is -2.85 percent to 14.48 percent.The following table details the average rate revisions requested by the companies that write smallbusiness health insurance in Kansas.Company NameAverageFiledIncrease/DecreaseAetna Health Inc.-2.79%Aetna Life Insurance Company-2.85%Blue Cross and Blue Shield ofKansas, Inc.2.87%Blue Cross and Blue Shield ofKansas City8.16%Cigna Health and Life InsuranceCompanyHumana Health Plan, Inc.New in 202214%Humana Insurance Company14.48%UnitedHealthcare InsuranceCompany8.7%

Page 11Kansas Federal Marketplace Enrollment Comparison 2015-2021Total Number of Individuals with Plan Selection on the MarketplaceNumber of Plan Selections with Financial AssistanceTotal Consumers Reenrolling in Coverage on the MarketplaceTotal Active ReenrolleesActive Reenrollees Who Switched PlansAge 18Age 18-25Age 26-34Age35-44Age 45-54Age 55-64Age 65 and 788%70,08051,22020,2069%11%19%16%19%25% 1%10%11%19%15%18%26% 1%11%11%18%15%17%27% 1%11%10%18%15%17%28% 1%10%10%17%16%17%30% 1%10%10%17%16%17%30% 1%9%10%16%17%17%30% 1%Sources: CMS Public Use Files; Annual Effectuated Enrollment ReportThe 2021 total number of individuals with plan selection on the Marketplace in the table abovedoes not reflect the special enrollment period (SEP) from February 15, 2021 to August 15, 2021.From February 15, 2021 to August 15, 2021 there were 21,220 new plan selections in Kansas.New plan selections are the number of unique consumers who did not have an active enrollmentas of February 14, 2021 and made a plan selection on or after the start of the special enrollmentperiod.

Insurance Company; Aetna Life Insurance Company; Aetna Health Inc.; Humana Health Plan, Inc.; Humana Insurance Company and Cigna Health and Life Insurance Company. Off SHOP Policies Available in Kansas in 2022 . Company Type Total Bronze Silver Gold Platinum Aetna Health Inc. POS 1 0 1 0 0 Aetna Life Insurance Company EPO . 1

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