The changes could affect employers health plan costs for Michigan residents. Call 1-800-273-8095 / TTY 711to talk to a licensed insurance agent. Qualified Health Coverage QHC cannot exclude or limit coverage for injuries related to motor vehicle accidents, and must have an annual deductible of $6,000 or less per individual (this $6,000 amount may be annually adjusted). Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. . Humanadropped their individual PPO plans in Michigan at the end of 2016, but that only impacted the off-exchange market, as Humanas on-exchange plans were already HMOs. Read frequently asked questions about marketplace enrollment, rates and carriers in Michigan, Background on Michigans exchange efforts. What you choose is important because PIP covers more than medical expenses it includes things like attendant care, housing modifications and lost wages due to an accident. Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. endobj The enrollment growth was largely driven by Medicaid expansion and the COVID pandemic (including the Families First Coronavirus Response Act, which has paused Medicaid eligibility redeterminations throughout the COVID public health emergency). Not Registered? endobj Your doctor will submit the form by following the instructions on the back. This coverage is only available if . Qualified health coverage is health or accident insurance that doesnt exclude or limit coverage for injuries from auto accidents. Michigan Health Insurance Consumer Assistance Program (HICAP)877-999-6442. Some plans may require copayments, deductibles and/or coinsurance for these benefits. But, only if all members of your household have other qualified health coverage or their own auto plan with PIP. endobj endobj Insurers have differing coverage areas and plan availability, which means rates in one area can change more or less than rates in another area of the same state. PIP is the part of an auto insurance plan that covers the health care costs from a car accident. The new law would for the first time since the No-Fault law was enacted in 1973 allow drivers to choose different levels of No-Fault PIP medical coverage (to pay for medical care and medical treatment after a car accident). 2016: Average increase of 6.5%. Qualified Health Coverage The coverage provided to you and eligible individuals by _____ is "Qualified Health Coverage" as defined in MCL 500.3107d(7)(b)(i) for purposes of the Michigan Auto No-Fault Law. So even if your insurer doesnt change its rates at all for the coming year, your price will still go up just because youre a year older (if you receive subsidies, the subsidies will grow to keep pace with the age-related premium increases; subsidies for older enrollees are larger than subsidies for younger enrollees). The Senate passed a bill to authorize a state-run exchange, but the bill was voted down by the Houses Health Policy committee and didnt get a floor vote. That bill had not advanced as of July 2022. A licensed attorney responsible for the content of this site can be reached at, "Maximum stars for this law company and particularly for Mr. Steven Gursten - Attorney at Law. You must have qualified health coverage (QHC) that is not Medicare; AND. Michigan is responsible for plan management, but left all other functions to the federal government. This policy is subject to various exclusions and limitations. This can include private health insurance or a different Michigan No-Fault policy with PIP medical coverage. . They lump all insurers and plans together. The most important car insurance advice for young drivers in Michigan includes: (1) a DETROIT615 Griswold St, Suite 402Detroit, MI 48226, GRAND RAPIDS212 Cesar E Chavez Ave SWSuite 105Grand Rapids, MI 49503, FARMINGTON HILLS 30101 Northwestern Hwy Farmington Hills, MI 48334, ANN ARBOR 122 S. Main Street, Suite 220 Ann Arbor, MI 48104, STERLING HEIGHTS | WARREN 44444 Mound Road, Suite 100 Sterling Heights, MI 48314. . HAPs exit announcement noted that 9,100 members would have to find new plans. If you have our Healthy Blue Achieve plan, this qualification form (PDF)is for you. The Michigan law (Mich. Comp. However, he did not have the support of enough fellow Republicans to move ahead. Premium subsidies vary by address and subject to eligibility. UnitedHealthcare exited the individual market in Michigan at the end of 2016, as was the case in most of the states where they offered plans in the exchange in 2016. 1996-document.write(new Date().getFullYear()); Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. Earlier this year, Michigan DIFS regulators noted in an email to Mercer that a health plan with even one annual deductible such as an out-of-network deductible exceeding $6,000 per individual wouldnt qualify as QHC. Proof of qualified health coverage is required for each household member that is excluded. Find affordable individual and family plans, small-group, short-term or Medicare plans. He is the current President of the AAJ Distracted Driving Litigation Group, Past-President of the Belli Society, a Past-President of the AAJ Truck Litigation Group and TBI Group, as well as Past-President of the Motor Vehicle Trial Lawyers Association. A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1994. You're covered by a health plan that doesn't cover car-related injuries. Health (3 days ago) WebWhile all QHPs must cover essential health benefits, a lower metal level policy (e.g., bronze) pays less of average covered health care costs than a higher metal level policy (e.g., gold). This was the highest enrollment had been since 2017. <>/Metadata 83 0 R/ViewerPreferences 84 0 R>> Qualified health coverage is health or accident insurance that doesn't exclude or limit coverage for injuries from auto accidents. Claims are processed according to your benefits and the laws in effect in the state where you reside. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income. For 2023 coverage, there are ten insurers that offer exchange plans in Michigan. Learn more about U-M's health plans and PIP. 2021: Average rate increase of 1.1%. qualified health coverage. Coverage under both Medicare Parts A and B also constitutes qualified health coverage. Having QHC means either Medicare Parts A & B (this could also be a Medicare Advantage plan) or a health insurance policy that doesn't limit or exclude auto accident injuries and has a deductible of $6,000 or less. Some coverage options include benefits beyond the essentials, such as dental coverage. Across all 11 insurers, the average rate increase for 2019 was about 1.7%. You can even opt out of PIP entirely as long as you have qualified health coverage (QHC). $50,000 limit: Pays up to $50,000 per person per covered accident. Learn about dental coverage options in Michigan. To confirm that your health insurance coverage meets the requirments under the No-Fault law, ask for documentation from your health insurer. Whenthe King v. Burwell case was pending before the U.S. Supreme Court, Snyder again broached the topic of a state-run exchange to ensure Michigan residents have continued access to subsidies to pay for health insurance. Which health insurance carriers have offered coverage in the Michigan marketplace in the past? Aetna Better Health of Michigan regularly updates its Member Handbook and Certificate of Coverage (COC). State and Federal Privacy laws prohibit unauthorized access to Member's private information. This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. 2015: Average rate decrease of 1%. %PDF-1.7 In order to select certain lower and presumably cheaper levels of No-Fault PIP medical benefits, you or a family member will need to have health insurance that meets the requirements of qualified health coverage under the new Michigan No-Fault law. PIP covers medical costs for both hurt policyholders and passengers, even if some dont have health insurance. They only apply to full-price premiums, and most exchange enrollees receive premium subsidies. Would love your thoughts, please comment. 12.6 percent of the risk corridor payments that were owed to carriers, dropped their individual PPO plans in Michigan at the end of 2016, uncertainty caused by the Trump Administration and GOP-led Congress. Thats useful for people who dont get premium subsidies, but for people who do get premium subsidies, the subsidies grew significantly for 2018 to offset the higher silver plan premiums. Coverage under Medicaid, however, is not considered qualified health coverage. How many people are enrolled through Michigan's health insurance exchange? Individual & Family ACA Marketplace plans Medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization, Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc.; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in LA, TN and AL; Optimum Choice, Inc. in VA and MD; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of Texas, Inc.; and UnitedHealthcare of Oregon, Inc. in WA. A letter showing proof that you meet the requirements for qualified health coverage or QHC may be asked for by your auto insurer. If youre injured by a driver in an at-fault state, reimbursement is pursued from the at-fault drivers auto insurance provider. Health insurance is perceived as less costly than No-Fault. When can I enroll in health insurance in Michigan? Starting July 1, you can choose your level of PIP. * This tool provides ACA premium subsidy estimates based on your household income. (MCL 500.3107c(1)(a)) That means that if a drivers spouse or family does not have Medicaid or No-Fault or insurance, through a private plan or through Medicare, that meets requirements of qualified health coverage under the new Michigan No-Fault insurance law, then the driver cannot select the $50,000 level. The new No-Fault law allows drivers to choose the $250,000 coverage level for No-Fault PIP medical benefits and coordinate his or her health insurance with No-Fault coverage, which results in a . How much could you save on 2023 coverage? This site is intended to provide accurate and timely legislative information to the citizens of the State of Michigan and other interested parties. 2022: Average rate increase of 4.7%. MSU Student Health Insurance Plan. In most of Michigan, at least four insurers are offering plans in the exchange for 2023, although there are just two participating insurers in upper Michigan. There are several ways you can request a QHC letter. History: Add. They explained that the decision was based on many uncertainties related to premium stabilization programs, enforcement of the individual mandate and not knowing whether the federal government will continue to fund cost-sharing reductions (CSRs).. Michigans average rate increase fo 2016 was about half as much as the average rate increases nationwide for 2016. Members should direct specific questions about PIP coverage to their auto insurer. (1) For an insurance policy that provides the security required under section 3101 (1) and is issued or renewed . It is not minimum essential coverage as defined by the Affordable Care Act (ACA) and may not cover all Essential Health Benefits in your state. However, the restated guidance clarifies that a group health plan with any annual deductible that doesnt exceed $6,000 per individual and doesnt exclude or limit medical coverage for injuries related to auto accidents will meet the QHC standard. 2019, Act 21, Imd. Go to My Forms & Documents and then click My Letters to generate your letter. $158 per month) Eligibility: All MSU students, Law students, Visiting scholars, and more, including spouse and children of a student enrolled in the plan. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Your Auto Insurance PIP Medical Coverage Letter is available online. (MCL 500.3109a(2)(a)), The $50,000 coverage level is expected to provide average (not individual) savings of 45%. Product design and availability varies by state. This field is for validation purposes and should be left unchanged. Heres a look at how premiums (before subsidies are applied) in Michigans individual market have changed over the years. Are you looking for the form that coordinates your auto and medical insurance after an accident? Due to the uncertainty over whether cost-sharing reductions (CSR) would be funded in 2018, the Michigan Department of Insurance required insurers to file two sets of rates for 2018 one that assumed that cost-sharing reductions would be funded, and one that assumed they wouldnt. "Qualified Health Coverage" means your health coverage: Qualified health coverage is the insurance that the new Michigan No-Fault insurance law requires drivers to have to be able to select certain PIP medical benefit levels. Medicare and Medicaid plans Medicare For people 65+ or those who qualify due to a disability or special situation Medicaid For people with lower incomes Dual Special Needs Plans (D-SNP) For people who qualify for both Medicaid and Medicare Individuals and familiesSkip to Health insurance Supplemental insurance Dental Vision That declined to ten for 2017 (although some of the decrease was due to PPO entities leaving the exchange, while their HMO sister companies remained in the exchange). The total opt-out of No-Fault PIP medical benefits for a driver who has Medicare requires that his or her spouse or family member that lives with the driver either have qualified health coverage that is required under the new Michigan No-Fault insurance law (i.e., insurance for accident-related medical care through a private plan or through Medicare) or have his or her own No-Fault auto insurance policy. Primary insured must be 18 years of age or older. These increased costs will likely eat away at any savings that drivers will see on their auto insurance premiums under the new auto law. Employees and retirees with U-M health plans - even with Medicare as primary coverage - are already covered for medical claims resulting from an automobile accident. %PDF-1.6 % If you don't see a QHC letter online or are unable to get one through calling the number on the back of your card, you can reach out to your employer to request the letter. Three of the available options require that drivers and/or any spouse and resident relatives have . But now the new qualified health coverage requirement effectively undoes much of this. However, we want to make you aware of the whole range ofindividual and family insurance products we have available in your state. (MCL 500.2111f(2)(a)), The opt-out for drivers on Medicare is expected to result in no premium charge for coverage for No-Fault PIP medical benefits. If you have questions, contact the MichiganDepartment of Insurance and Financial Services (DIFS). In 2019, the State of Michigan passed legislation that changes the requirement to have unlimited, lifetime personal injury protection (PIP) benefits for no-fault auto insurance plans. Michigan residents who use the spend-down program must resubmit medical expenses every month to requalify for Medicaid benefits. So there are a total of ten insurers offering exchange plans in Michigan for 2022. Use our 2023 subsidy calculator to see if youre eligible for ACA premium subsidies and your potential savings if you qualify. comprehensive guide to special enrollment periods. You can call the number on the back of your member ID card. Some of the information on this site may be deemed attorney advertising in some states. Learn about dental coverage options in Michigan. <>/Metadata 111 0 R/ViewerPreferences 112 0 R>> Qualified health coverage is the insurance that the new Michigan No-Fault insurance law requires drivers to have to be able to select certain PIP medical benefit levels. If you have questions about enrollment, you can learn more in our comprehensive guide to open enrollment and our comprehensive guide to special enrollment periods. Eff. For 2023, the states insurers (including two that only offer coverage outside the exchange) have implemented an overall average rate increase of 5.5% (slightly lower than insurers initially proposed), with the following rate changes for each insurer: Alliance Health & Life, and Health Alliance Plan, both of which only offer coverage outside the exchange in Michigan, have average rate increases of 10.3% and 2%, respectively. Once logged in, navigate to the QHC letter in the Proof of Insurance section at the bottom of the page. And, like a lot of Michigan residents, you might have some questions about the new law and your HAP health coverage. A new Michigan auto insurance law changes the way Personal Injury Protection (PIP) coverage works, providing more options when selecting coverage. A statement: (a) as to whether the coverage provided constitutes "qualified health coverage" as defined in MCL 500.3107d(7)(b)(i), or (b) that the coverage: o Does not exclude coverage for motor vehicle accidents and . % Standard Qualification Form If you have a Blue Cross Blue Shield of Michigan plan other than Healthy Blue Achieve that requires a qualification form, please use the form below. Steve has been named a JD Supra Reader's Choice Award winner - Top Author in the Insurance category annually since 2018. To select one of the new, lower No-Fault coverage levels a driver must have health insurance that meets the new laws requirements. (Michigan Government DIFS Bulletin 2020-03-INS) If you're like a lot of people, you never even thought about this. It is important to know that actuarial value applies to a given policy's value for an overall population. Short-term health insurance plans in Michigan are limited to 185 days with no renewal. You can opt out of, or cut your level of medical benefits, under the auto plan. % The number of exchange insurers had dropped to eight by 2018, but grew to nine in 2019 when Oscar joined the exchange in Michigan. Physician Qualification Form (PDF) Healthy Blue Achieve Form Your doctor will submit the form by following the instructions on the back. 0 New PIP Insurance Options in Michigan. A qualified health plan (QHP) is a health insurance plan that meets requirements established by Obamacare, which is also known as the Affordable Care Act (ACA). HAP is here, to help clear up a few things about the new law and what it means to you. Michigan State University 1407 S. Harrison, Suite 110 East Lansing, MI48823 517-353-4434 Fax: 517-432-3862 hr.msu.edu These plans meet the requirements to be considered qualified health coverage under the Michigan no-fault law because (1) the plans do not exclude or limit According to Crains Detroit Business, only a little more than a fifth of Consumers Mutuals members purchased their plans in the exchange in 2015, and at that point, there was a possibility that the remaining 80 percent of theenrollees might be able to keep their plans, with the CO-OP continuingto offer plans outside the exchange. Some benefits have waiting periods. Please provide your zip code to see plans in your area. 303,550 people enrolled in health plans through the Michigan exchange during the open enrollment period for 2022 coverage. That amounted to a weighted average rate increase of 25.5%, but it would have been 17.6% if CSR funding had not been eliminated (a significant portion of this increase was due to overall market uncertainty cause by the Trump administration and GOP legislative efforts to undermine the ACA in 2017). Insurer participation tends to be most robust in the southeastern part of the state, and less robust in Upper Michigan. What is a qualified health plan? Cost sharing (deductibles and coinsurance) may be higher. For costs and complete details of the coverage, call or write your insurance agent or the company, whichever is applicable. Create your account today for an optimal, personalized experience. The following insurers offer plans in the Michigan exchange for 2023, with plan availability varying from one location to another: Time/Assurant and Consumer Mutual Insurance of Michigan both left the Michigan exchange at the end of 2015. If youre involved in a car accident outside Michigan, your Blue Cross coverage remains unchanged. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 25 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> State of Michigan Department of Insurance and Financial Services (DIFS), Information for auto insurance policies renewed or issues after July 1, 2020, the people covered under your HAP/Alliance health care coverage, your yearly deductible amount per covered person. Registration is easy! 4 0 obj HAP noted in their announcement that the uncertainty caused by the Trump Administration and GOP-led Congress played a primary role in their decision to exit the exchange. It is health or accident coverage that does not exclude or limit coverage for injuries related to motor vehicle accidents and its annual deductible for coverage must be $6,000 or less per individual. (MCL 500.3107d(7)(b)(i)), Or it is Medicare coverage. By November 4, the announcement on Consumers Mutuals website indicated that all enrollees including those who had purchased their plans outside the exchange would need to seek new coverage for 2016, and that the CO-OP would wind down its operations by the end of 2015. healthinsurance.org. A big reason for this is that many health care plans either do not cover medical services for car accident-related injuries, or drastically limit these medical services. I also found very useful information about the new auto law. Which insurers offer coverage in the Michigan marketplace? Their rate filing from earlier in the summer (when they were still planning to participate in the exchange) said that it would impact 17,000 members, but those with off-exchange coverage were able to keep their plans for 2018 if they wished to do so (HAP had 650,000 members in total in 2017, virtually all of whom had Medicare, Medicaid, or employer-sponsored coverage and were therefore not affected at all by the insurers decision to exit the exchange). She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. If your car insurer wants to know how your health coverage coordinates with your car policy, call the Customer Service number on the back of your BCN member ID card for the information you need. But what the politicians who passed this new auto law neglected to tell people (aside from that these promised savings will be limited and for most of us very disappointing) was that these lower PIP medical coverage levels would be unavailable if the driver or certain family members did not have the right type of health insurance coverage. (MCL 500.3107d(7)(b)(ii)). Note: The no-fault auto insurance law is not a health insurance law, therefore, you should discuss PIP coverage or other auto coverage with your auto insurer or agent. Very professional and prompt! When average benchmark premiums decline more sharply than overall average premiums, the result is higher after-subsidy premiums for some enrollees. Under Michigan's new auto insurance law, drivers will be able to choose a coverage level appropriate for their needs and budget. Drivers could attempt to save money by opting for lower PIP coverage levels. In August 2015, the Michigan Department of Insurance and Financial Services (DIFS) announced that the weighted average rate increase in the individual market for 2016 would be 6.5%, although the average rates increase dropped lower than that once Consumers Mutual exited the market. . They dont account for the fact that rates increase with age. Priority Health Insurance Company, which offered PPO and POS plans in 2016, switched to only offering small group plans for 2017, and only outside the exchange. Generally speaking, QHC ensures auto accident injuries will be covered. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/Annots[ 11 0 R 29 0 R] /MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. You can call the number on the back of your member ID card. The document must: For 2023, subsidies continue to be larger than they were prior to 2021, thanks to the American Rescue Plans subsidy enhancements, which were extended through 2o25 by the Inflation Reduction Act. YLB i5xueW|. How are Michigan exchange premiums changing for 2023? Individuals attempting unauthorized access will be prosecuted. stream The Handbook and COC are available on this website. {f/3mq0NAe7m`K3 c Call 1-844-253-4054/ TTY 711 to talk to a representative. They may also request a coordination of benefits letter that shows how your health insurance and auto insurance work together to pay auto accident claims. Important Legal and Privacy Information|Important Information About Medicare Plans|Privacy Practices The Video could not be loaded because the privacy settings are disabled. This Video is unable to play due to Privacy Settings. References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies. Eff. endstream endobj startxref The CO-OP had by far the highest average rate increase for 2016 of any of the exchange carriers in Michigan, at 20.5% (the next highest was UnitedHealthcare, at 14.7%), but the new rates never took effect since members had to switch to a different carrier for 2016. To be eligible to completely opt out of PIP coverage, the Michigan Department of Insurance and Financial Services states that the "qualified health coverage" other people in a household would need to have is defined as: Both Medicare Part A and Part B, or $250,000 per person per accident. For most taxpayers, your MAGI is close to AGI (Line 11 of your Form 1040 in 2021 and 2022). Where do I get my letter? You may need to show it to your auto insurance agent as proof you have qualified health coverage through HAP. Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. xmq~H8,X/L^(`FB>|~C6hfO~_7__}/o_}_~_w~j_}_}W~Jq=sO??OO?1_Os=1xowx|=kC3_7?kE~iYx1/?tlx5_WuM^V3l-?v[i#m_*HYqW~z~c!qwz?|8~/sh~H9~o_W|o_~}n}tawz7_y~?:>WHscs4h4}N[wgW{!y>6A?6!l$!w'?u3a.y%}oN|_=/s/457LugLYFGT3G.9e-\HE+mm>}]p7e ~u/{#d\IyN>4}~lksnMfySJ}nB#?9TJgHGzLkCYYE=bTvCybKgk7?=kswC{=m;,{yj):q&kFv,70:VSG=9K~i)yYZmj5Vc+\X\@a.%uS@ nQ$!N'8|e[GQ&^h5y$=Y7Q/_kBPIEg89\]%[`^FMBcII"A(@!,$5,_2X.H4Sm_.a,ZiISP?)$,bULZPA*t KP{[_:S2iB5Ld!Tq@sNM}8KT0]7`{ELV ~I6ZI_KeE+r"UkYlr;=^EdJzxpdnh>MZAyEfp1d>>/ioJoR?-Kwvn+co,E{bb+H#\W\^`J|wS$:x-{V,}S$T6UCuqMR6dn19[ k[mFwf6\D)%WQIcr6jF[R_X,iHX6 V"0W6m(:FRMyS&8HcD]n}(fbj19e oOuY`AGbbL_[,}M h{D'J}a_#r`}$"NirL1Fm'$u0eb zNLIj9R(g$e}5s;szg-3:-FAa(i]U'r6NDX O }j/&8]ZX5>qesS>SlH K5h,[Bx/dj>uiVmj These same medical services and medical treatments that are excluded or limited by health insurance were being paid by No-Fault as long as they were reasonably necessary to a car accident victims care, recovery or rehabilitation which is the legal threshold requirement for a medical service to be paid by your auto No-Fault insurance. Nine insurers offered plans through Michigans exchange for 2019, plus two more that offered coverage outside the exchange. A temporary medical insurance plan likeshort term health insurance4underwritten by Golden Rule Insurance Company may provide: Questions about Short Term Medical insurance? Oscar Health joined the exchange in Michigan for 2019 (in Wayne, Macomb, Oakland, St. Claire, Livingston, and Washtenaw counties), and all nine insurers continued to offer plans in the exchange for 2020 and 2021. The Department of Insurance and Financial Services (DIFS) can also help answer your questions. Health Alliance also dropped their PPOs, continued to offer more than 45 Personal Alliance HMO plans, both on and off-exchange (the PPOs were offered via Alliance Health and Life Insurance Company, which is a subsidiary of Health Alliance; Alliance Health and Life Insurance Company plans are no longer offered on the Michigan exchange). 83 0 obj <>/Filter/FlateDecode/ID[<098023445965EC4C9B51CDDD359A14D4><17EF24148C2295489EF4FB9E7BA16CE8>]/Index[60 41]/Info 59 0 R/Length 109/Prev 85913/Root 61 0 R/Size 101/Type/XRef/W[1 3 1]>>stream Bipartisan legislation (HB6112) was introduced in 2022 that would direct the state to conduct a study on the impacts of switching to a fully state-run exchange, and potentially make that move at some point in the future.