West Virginia Offices of the Insurance Commissioner 2009 Annual ...

Highlights of 2009
2009 Enrollment
Enrollment Growth. AccessWV continued to grow steadily throughout 2009. The plan began January
2009 with 576 policyholders and ended the year with 734, an increase of 27 percent. Total
membership, including dependents of policyholders, went from 661 to 846. See below for monthly
breakdown.
Monthly Enrollment during 2009
Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec
# Policies 576 579 581 605 616 643 645 699 713 703 731 734
# Members 661 669 664 697 706 739 749 803 826 818 842 846
Total Served During Year. While enrollment grew to 734 policyholders and 846 members at the end
of 2009, the end-of-year membership understates the impact of the program, which experiences a
constant flux as some members leave and others take their places. During 2009, AccessWV enrolled
410 new policyholders and provided insurance to a total of 871 different policyholders.
Legislation. In 2009, legislation was enacted that permitted a subsidy program, and also would allow
other classes of individuals to enter the Plan without a waiting period for the pre-existing conditions.
Lapsed Coverages. During 2009, 137 policyholders ended their coverage in AccessWV. Cancellations
were either at the member's request or for nonpayment of premiums. Some members who request
cancellation provide a reason for this, while others do not. Reasons for ending coverage include
eligibility for Medicare, Medicaid or employer-sponsored coverage.
Plans. Access WV offers four products -- Plan A, Plan B, Plan C, and Plan D. As of December, 43
percent of the policyholders were enrolled in Plan C, the option with the second highest deductibles
and the second lowest premiums.
County. As of December 2009, membership was held by residents of all West Virginia's 55 counties.
Kanawha County with 216 members led in enrollment. Berkeley and Cabell Counties each had 100 or
more members. Wirt and Roane counties had the fewest AccessWV members.
Gender. Females accounted for 58 percent of the total membership and males, 42 percent.
Age. More than half of the policyholders (81 percent) were ages 50 and over.
Tier. The majority of policies (94 percent) were for individuals with 6 percent of policies for families.
Eligibility Category. Forty percent of the policyholders as of December joined as "federally defined
eligible individuals" through HIPAA. Fifty-nine percent were not able to purchase coverage in the
regular market or affirmed they had a qualifying health condition. Two policyholders were HCTC
eligible.
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