{"id":86492,"date":"2021-02-23T07:06:48","date_gmt":"2021-02-23T12:06:48","guid":{"rendered":"https:\/\/decisionresourcesgroup.com\/?p=86492"},"modified":"2021-02-23T07:06:48","modified_gmt":"2021-02-23T12:06:48","slug":"pandemic-impacted-federal-health-insurance-exchange-u-s","status":"publish","type":"post","link":"https:\/\/clarivate.com\/life-sciences-healthcare\/blog\/pandemic-impacted-federal-health-insurance-exchange-u-s\/","title":{"rendered":"How the pandemic has impacted the Federal Health Insurance Exchange in the U.S."},"content":{"rendered":"<p><span data-contrast=\"auto\">In the United States<\/span><span data-contrast=\"auto\">, as the\u00a0<\/span><span data-contrast=\"auto\">COVID-19 pandemic\u00a0<\/span><span data-contrast=\"auto\">shuttered non-essential businesses,\u00a0<\/span><a href=\"https:\/\/www.cidrap.umn.edu\/news-perspective\/2020\/05\/us-job-losses-due-covid-19-highest-great-depression\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">millions lost their jobs<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">and with them,\u00a0<\/span><span data-contrast=\"auto\">employer-<\/span><span data-contrast=\"auto\">sponsored\u00a0<\/span><span data-contrast=\"auto\">health\u00a0<\/span><span data-contrast=\"auto\">coverage.\u00a0<\/span><span data-contrast=\"auto\">This\u00a0<\/span><span data-contrast=\"auto\">drove\u00a0<\/span><span data-contrast=\"auto\">a<\/span><span data-contrast=\"auto\">\u00a0spike in the rate of uninsured patients, along with a\u00a0<\/span><span data-contrast=\"auto\">shift from commercial employer-<\/span><span data-contrast=\"auto\">sponsored<\/span><span data-contrast=\"auto\">\u00a0plans to\u00a0<\/span><span data-contrast=\"auto\">other coverage options<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0such as\u00a0<\/span><span data-contrast=\"auto\">coverage bought through state- and federal government-run\u00a0<\/span><span data-contrast=\"auto\">health insurance exchange<\/span><span data-contrast=\"auto\">s<\/span><span data-contrast=\"auto\">, Medicaid and short-term health\u00a0<\/span><span data-contrast=\"auto\">insurance\u00a0<\/span><span data-contrast=\"auto\">plans.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Implemented as part of the 2010 Affordable Care Act reforms, health\u00a0<\/span><span data-contrast=\"auto\">insurance exchanges\u00a0<\/span><span data-contrast=\"auto\">vary\u00a0<\/span><span data-contrast=\"auto\">from state to state.\u00a0<\/span><span data-contrast=\"auto\">For the<\/span><span data-contrast=\"auto\">\u00a02021 plan year<\/span><span data-contrast=\"auto\">\u00a0(<\/span><span data-contrast=\"auto\">patients enroll annually)<\/span><span data-contrast=\"auto\">, there are 15 fully state-run health insurance marketplaces (SBMs), six state-based marketplaces that use the federal platform (SBM-FP), six state-federal partnership marketplaces and 24 fully\u00a0<\/span><span data-contrast=\"auto\">federally-run<\/span><span data-contrast=\"auto\">\u00a0marketplaces.<\/span><span data-contrast=\"auto\">\u00a0Some state specific changes influence<\/span><span data-contrast=\"auto\">d<\/span><span data-contrast=\"auto\">\u00a0the open enrollment period in a positive way.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Here are a few\u00a0<\/span><span data-contrast=\"auto\">notable developments<\/span><span data-contrast=\"auto\">\u00a0from states with\u00a0<\/span><span data-contrast=\"auto\">federally-run<\/span><span data-contrast=\"auto\">\u00a0exchanges<\/span><span data-contrast=\"auto\">\u00a0for 2021<\/span><span data-contrast=\"auto\">:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Delaware<\/span><\/b><span data-contrast=\"auto\">:\u00a0<\/span><a href=\"https:\/\/www.healthinsurance.org\/delaware-state-health-insurance-exchange\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">Delaware<\/span><\/a><span data-contrast=\"auto\">\u00a0passed a\u00a0<\/span><span data-contrast=\"auto\">law\u00a0<\/span><span data-contrast=\"auto\">to reduce\u00a0<\/span><span data-contrast=\"auto\">the\u00a0<\/span><span data-contrast=\"auto\">out-of-pocket\u00a0<\/span><span data-contrast=\"auto\">cost of\u00a0<\/span><span data-contrast=\"auto\">insulin\u00a0<\/span><span data-contrast=\"auto\">to patients\u00a0<\/span><span data-contrast=\"auto\">by capping\u00a0<\/span><span data-contrast=\"auto\">it at<\/span><span data-contrast=\"auto\">\u00a0$100<\/span><span data-contrast=\"auto\">\u00a0a month<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">The law\u00a0<\/span><span data-contrast=\"auto\">ensures that\u00a0<\/span><span data-contrast=\"auto\">all plans regulated by the state should have at\u00a0<\/span><span data-contrast=\"auto\">least<\/span><span data-contrast=\"auto\">\u00a0one insulin product included on the lowest tier of\u00a0<\/span><span data-contrast=\"auto\">their<\/span><span data-contrast=\"auto\">\u00a0f<\/span><span data-contrast=\"auto\">ormular<\/span><span data-contrast=\"auto\">ies.\u00a0<\/span><span data-contrast=\"auto\">Delaware is unique in that it has only<\/span><span data-contrast=\"auto\">\u00a0a single insurer (Highmark) offering\u00a0<\/span><span data-contrast=\"auto\">a plan on its exchange\u00a0<\/span><span data-contrast=\"auto\">in 2021<\/span><span data-contrast=\"auto\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Florida<\/span><\/b><span data-contrast=\"auto\">: Not only does this state have\u00a0<\/span><span data-contrast=\"auto\">a\u00a0<\/span><span data-contrast=\"auto\">new insurer (<\/span><span data-contrast=\"auto\">AvMed<\/span><span data-contrast=\"auto\">) joining\u00a0<\/span><span data-contrast=\"auto\">its exchange<\/span><span data-contrast=\"auto\">,\u00a0<\/span><span data-contrast=\"auto\">its insurers<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u2013\u00a0<\/span><span data-contrast=\"auto\">Ambetter, Oscar Health, Bright Health Insurance Company, Cigna and Florida Blue\u00a0<\/span><span data-contrast=\"auto\">\u2013<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">added more counties to expand their\u00a0<\/span><span data-contrast=\"auto\">coverage area<\/span><span data-contrast=\"auto\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Georgia:<\/span><\/b><span data-contrast=\"auto\">\u00a0This state will be\u00a0<\/span><a href=\"https:\/\/www.modernhealthcare.com\/insurance\/cms-approves-georgias-reinsurance-plan-exiting-healthcaregov-2023-coverage\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">exiting<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">the HealthCare.gov<\/span><span data-contrast=\"auto\">\u00a0platform as of 2023<\/span><span data-contrast=\"auto\">, having attained a waiver to do so from the Trump administration\u2019s Centers for Medicare &amp; Medicaid Services (CMS)<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">Residents seeking enrollment<\/span><span data-contrast=\"auto\">\u00a0will have to go through private brokers or directly approach an insurer<\/span><span data-contrast=\"auto\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Iowa:<\/span><\/b><span data-contrast=\"auto\">\u00a0Along with a drop in average premium rates, this state\u00a0<\/span><span data-contrast=\"auto\">posted\u00a0<\/span><span data-contrast=\"auto\">a 29<\/span><span data-contrast=\"auto\">%<\/span><span data-contrast=\"auto\">\u00a0decline in its benchmark premiums<\/span><span data-contrast=\"auto\">\u00a0&#8212;<\/span><span data-contrast=\"auto\">\u00a0the largest benchmark premium decrease in the country<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">CMS<\/span><span data-contrast=\"auto\">\u00a0releases weekly enrollment updates of states that use\u00a0<\/span><span data-contrast=\"auto\">the\u00a0<\/span><span data-contrast=\"auto\">HealthCare.gov\u00a0<\/span><span data-contrast=\"auto\">exchange portal<\/span><span data-contrast=\"auto\">. Here is a glimpse of the\u00a0<\/span><a href=\"https:\/\/www.cms.gov\/newsroom\/fact-sheets\/2021-federal-health-insurance-exchange-weekly-enrollment-snapshot-final-snapshot\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">plan selection results<\/span><\/a><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"auto\">for\u00a0<\/span><span data-contrast=\"auto\">these\u00a0<\/span><span data-contrast=\"auto\">states<\/span><span data-contrast=\"auto\">:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Enrollment on\u00a0<\/span><a href=\"https:\/\/www.cms.gov\/newsroom\/fact-sheets\/2021-federal-health-insurance-exchange-weekly-enrollment-snapshot-final-snapshot\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">2021<\/span><\/a><span data-contrast=\"auto\">\u00a0health insurance exchanges\u00a0was\u00a0marginally lower than that in\u00a0<\/span><a href=\"https:\/\/www.cms.gov\/newsroom\/fact-sheets\/2020-federal-health-insurance-exchange-enrollment-period-final-weekly-enrollment-snapshot\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">2020<\/span><\/a><span data-contrast=\"auto\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">The\u00a0<\/span><span data-contrast=\"auto\">share\u00a0<\/span><span data-contrast=\"auto\">of members renewing their coverage increased by 2.7<\/span><span data-contrast=\"auto\">%<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">but new\u00a0<\/span><span data-contrast=\"auto\">enrollees to<\/span><span data-contrast=\"auto\">\u00a0the exchanges decreased by 9.7<\/span><span data-contrast=\"auto\">%<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">\u2013<\/span><span data-contrast=\"auto\">\u00a0possibly because\u00a0<\/span><span data-contrast=\"auto\">many members who lost\u00a0<\/span><span data-contrast=\"auto\">income were eligible for Medicaid too<\/span><span data-contrast=\"auto\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Overall, the highest year-over-year enrollment increase\u00a0<\/span><span data-contrast=\"auto\">was\u00a0<\/span><span data-contrast=\"auto\">in Texas<\/span><span data-contrast=\"auto\">, which has the<\/span><span data-contrast=\"auto\">\u00a0highest uninsured rate in the country (<\/span><span data-contrast=\"auto\">per\u00a0<\/span><span data-contrast=\"auto\">Clarivate\u2019s\u00a0<\/span><a href=\"https:\/\/decisionresourcesgroup.com\/solutions\/managed-market-surveyor\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">Managed Market Surveyor Suit<\/span><span data-contrast=\"none\">e<\/span><\/a><span data-contrast=\"auto\">, as of July 2020)<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">Alt<\/span><span data-contrast=\"auto\">h<\/span><span data-contrast=\"auto\">ough\u00a0<\/span><span data-contrast=\"auto\">the state\u2019s\u00a0<\/span><span data-contrast=\"auto\">Medicaid enrollment was higher\u00a0<\/span><span data-contrast=\"auto\">than\u00a0<\/span><span data-contrast=\"auto\">that of\u00a0<\/span><span data-contrast=\"auto\">exchanges through December\u00a0<\/span><span data-contrast=\"auto\">2020<\/span><span data-contrast=\"auto\">,\u00a0<\/span><span data-contrast=\"auto\">corresponding\u00a0<\/span><span data-contrast=\"auto\">with\u00a0<\/span><span data-contrast=\"auto\">the national trend<\/span><span data-contrast=\"auto\">\u00a0(per Clarivate\u2019s\u00a0<\/span><span data-contrast=\"auto\">HPA COVID-19 Dashboard<\/span><span data-contrast=\"auto\">, which captures both historic and forward-looking trend data<\/span><span data-contrast=\"auto\">),<\/span><span data-contrast=\"auto\">\u00a0a<\/span><span data-contrast=\"auto\">\u00a0spike<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">in<\/span><span data-contrast=\"auto\">\u00a0its<\/span><span data-contrast=\"auto\">\u00a0exchange enrollment might<\/span><span data-contrast=\"auto\">\u00a0have been\u00a0<\/span><span data-contrast=\"auto\">because\u00a0<\/span><span data-contrast=\"auto\">Texas\u00a0<\/span><span data-contrast=\"auto\">is the most populous state on the\u00a0<\/span><span data-contrast=\"auto\">federally-run<\/span><span data-contrast=\"auto\">\u00a0exchanges<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Among factors\u00a0<\/span><span data-contrast=\"auto\">likely\u00a0<\/span><span data-contrast=\"auto\">influencing\u00a0<\/span><span data-contrast=\"auto\">enrollment:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"3\" data-aria-level=\"1\"><a href=\"https:\/\/www.cms.gov\/newsroom\/press-releases\/premiums-healthcaregov-plans-are-lower-third-consecutive-year\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">The average premium<\/span><\/a><span data-contrast=\"auto\">\u00a0for benchmark\u00a0<\/span><span data-contrast=\"auto\">(seco<\/span><span data-contrast=\"auto\">nd lowest cost silver plan)\u00a0<\/span><span data-contrast=\"auto\">plans reduced by 2<\/span><span data-contrast=\"auto\">%<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Several new insurers<\/span><span data-contrast=\"auto\">\u00a0&#8211;<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">including<\/span><span data-contrast=\"auto\">\u00a0Oscar Health, Friday Health Plans<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0and UnitedHealth\u00a0<\/span><span data-contrast=\"auto\">C<\/span><span data-contrast=\"auto\">are<\/span><span data-contrast=\"auto\">\u00a0&#8211;<\/span><span data-contrast=\"auto\">\u00a0joined or rejoined the\u00a0<\/span><span data-contrast=\"auto\">market,<\/span><span data-contrast=\"auto\">\u00a0and many expanded\u00a0<\/span><span data-contrast=\"auto\">within\u00a0<\/span><span data-contrast=\"auto\">their existing markets<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><a href=\"https:\/\/www.healthinsurance.org\/medicaid\/#:~:text=More%20states%20easing%20into%20expansion,Idaho%2C%20and%20Nebraska%20in%202020.\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">Idaho, Nebraska<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\">\u00a0and Utah<\/span><\/a><span data-contrast=\"auto\">\u00a0expanded Medicaid,\u00a0<\/span><span data-contrast=\"auto\">adding<\/span><span data-contrast=\"auto\">\u00a0a coverage option in these states<\/span><span data-contrast=\"auto\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/www.cms.gov\/newsroom\/fact-sheets\/2021-federal-health-insurance-exchange-weekly-enrollment-snapshot-final-snapshot\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">New Jersey and Pennsylvania<\/span><\/a><span data-contrast=\"auto\">\u00a0started using state-based exchange platforms in 2021. Together, they accounted for\u00a0<\/span><span data-contrast=\"auto\">7<\/span><span data-contrast=\"auto\">%<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">of enrollment<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">through\u00a0<\/span><span data-contrast=\"auto\">HealthCare.gov in 2020<\/span><span data-contrast=\"auto\">.<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">President Biden<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">signed an executive order\u00a0<\/span><span data-contrast=\"auto\">establishing<\/span><span data-contrast=\"auto\">\u00a0a\u00a0<\/span><span data-contrast=\"auto\">special open enrollment\u00a0<\/span><span data-contrast=\"auto\">period for\u00a0<\/span><span data-contrast=\"auto\">the\u00a0<\/span><span data-contrast=\"auto\">federally-run<\/span><span data-contrast=\"auto\">\u00a0exchange,\u00a0<\/span><span data-contrast=\"auto\">HealthCare<\/span><span data-contrast=\"auto\">.gov<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">to run\u00a0<\/span><span data-contrast=\"auto\">from February 15 to May 15<\/span><span data-contrast=\"auto\">, with the aim of mitigating pandemic-related coverage needs<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-contrast=\"auto\">Job loss is considered<\/span><span data-contrast=\"auto\">\u00a0a qualifying event\u00a0<\/span><span data-contrast=\"auto\">for enrollment through state or federal exchanges<\/span><span data-contrast=\"auto\">\u00a0at any time of the year.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Exchanges\u00a0<\/span><span data-contrast=\"auto\">became<\/span><span data-contrast=\"auto\">\u00a0a popular choice<\/span><span data-contrast=\"auto\">\u00a0for many\u00a0<\/span><span data-contrast=\"auto\">newly-<\/span><span data-contrast=\"auto\">uninsured<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Americans\u00a0<\/span><span data-contrast=\"auto\">during\u00a0<\/span><span data-contrast=\"auto\">the\u00a0<\/span><span data-contrast=\"auto\">2020\u00a0<\/span><span data-contrast=\"auto\">economic\u00a0<\/span><span data-contrast=\"auto\">shock<\/span><span data-contrast=\"auto\">,\u00a0<\/span><span data-contrast=\"auto\">offering those lacking employer-based policies affordable coverage<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0As the profitability of these plans\u00a0<\/span><span data-contrast=\"auto\">has become more\u00a0<\/span><span data-contrast=\"auto\">predictable, insurer participation in these plans\u00a0<\/span><span data-contrast=\"auto\">has\u00a0<\/span><span data-contrast=\"auto\">increased<\/span><span data-contrast=\"auto\">, leading<\/span><span data-contrast=\"auto\">\u00a0to<\/span><span data-contrast=\"auto\">\u00a0more<\/span><span data-contrast=\"auto\">\u00a0competitive pricing<\/span><span data-contrast=\"auto\">\u00a0in many state markets<\/span><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As the\u00a0<\/span><span data-contrast=\"auto\">economy<\/span><span data-contrast=\"auto\">\u00a0mends,<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">we\u00a0<\/span><span data-contrast=\"auto\">m<\/span><span data-contrast=\"auto\">ay<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">see\u00a0<\/span><span data-contrast=\"auto\">a shift\u00a0<\/span><span data-contrast=\"auto\">back\u00a0<\/span><span data-contrast=\"auto\">from\u00a0<\/span><span data-contrast=\"auto\">exchange plans\u00a0<\/span><span data-contrast=\"auto\">to\u00a0<\/span><span data-contrast=\"auto\">employer-sponsored\u00a0<\/span><span data-contrast=\"auto\">policies<\/span><span data-contrast=\"auto\">, b<\/span><span data-contrast=\"auto\">ut\u00a0<\/span><span data-contrast=\"auto\">the\u00a0<\/span><span data-contrast=\"auto\">exchanges are\u00a0<\/span><span data-contrast=\"auto\">likely to\u00a0<\/span><span data-contrast=\"auto\">emerge from the<\/span><span data-contrast=\"auto\">\u00a0pandemic<\/span><span data-contrast=\"auto\">\u00a0with a lasting gain in utilization<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">(<\/span><span data-contrast=\"auto\">per\u00a0<\/span><span data-contrast=\"auto\">Clarivate\u2019<\/span><span data-contrast=\"auto\">s\u00a0<\/span><span data-contrast=\"auto\">HPA<\/span><span data-contrast=\"auto\">\u00a0COVID-19 dashboard<\/span><span data-contrast=\"auto\">)<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In the United States, as the\u00a0COVID-19 pandemic\u00a0shuttered non-essential businesses,\u00a0millions lost their jobs\u00a0and with them,\u00a0employer-sponsored\u00a0health\u00a0coverage.\u00a0This\u00a0drove\u00a0a\u00a0spike in the rate of uninsured patients, along with a\u00a0shift from commercial employer-sponsored\u00a0plans to\u00a0other coverage options,\u00a0such 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