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At the end of the 2015 open enrollment period, total of 112,024 Oregon residents had enrolled in private plans.The 31 percent increase for 2016 put Oregon near the top of the list in terms of year-over-year percentage growth in enrollment.

In 2015, 79 percent of Oregon exchange enrollees were were receiving advancepremium tax credits (subsidies). For 2016, that had dropped to 71 percent . But those percentages amount toabout 88,500 enrollees in 2015, versus about 104,500 in 2016. Substantial rate hikes for 2016 (more details below)mean that more people qualify for premium subsidies–and subsidies are larger– in2016.

As expected in the individual market, some enrollees don’t pay their premiums, and some cancel their coverage before the end of the year. By March 31, 2016, effectuated enrollment in the Oregon exchange stood at 131,167 , and almost 73 percent were receiving subsidies. According to The Lund Report, enrollment had dropped to 125,000 by October 2016 (gradual attrition throughout the year is commonplace now that the bulk of the enrollments are limited to open enrollment).

In addition to the on-exchange enrollments, 109,000 people had enrolled in off-exchange plans for 2016 in Oregon by mid-January. Off-exchange plans are fully-compliant with the ACA, but subsidies are not available to cover any portion of the premium for off-exchange plans.

Moda Health Plan Inc. had a tumultuous couple weeks in early 2016. But they are now are back in the individual market in Oregon and Alaska, renewing coverage and selling new plans. For 2017, they’re expected to continue selling plans in Oregon’s individual market, albeit with an average rate increase of 29.3 percent (they will exit Alaska’s exchange at the end of 2016). Here’s what’s gone on so far:

On January 28, the Oregon Division of Financial Regulation placed Moda under supervision, and ordered the carrier to cease issuing or renewing individual plans, or enrolling new groups. At that point, Moda had until January 29 to propose a new business plan that would either increase reserves or reduce operations.

That same day, Moda said that they would exit the individual market in both Oregon and Alaska in an effort to stem the losses they were incurring. In the first three quarters of 2015, Moda lost $30 million, and their capital reserves dropped from $120 million to $53 million. The carrier had been dominant in the individual market in 2014 and 2015, with plans priced lower than most of the competition. As of September 2015, Moda covered about 95,000 Oregon residents with individual plans.But Moda’s average rate increase for 2016 in Oregon was more than 25 percent, and enrollment in their individual market plans has dropped to 67,000.

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In diesem Text lernst zu sogenannte linking words und ihre Kategorien kennen.

linking words Kategorien

Linking words - Definition

Linking words oder auch c onnecting words sind Wörter, die Sätze oder Teile eines Satzes miteinander verbinden . Sie sind dazu da, um den Text stilistisch schöner aussehen zu lassen. Hauptsatz an Hauptsatz zu reihen oder immer mit demselben Wort anzufangen, sieht nicht schön aus und liest sich auch nicht so gut. Daher ist es sehr nützlich, einige linking words zu kennen und diese auch anzuwenden. Außerdem stellen linking words auch eine Beziehung zwischen den Sätzen her. So können sie beispielsweise Sätze ordnen, Sachverhalte gegenüberstellen oder etwas schlussfolgern. Linking words lassen sich in verschiedene Kategorien einordnen. Es gibt unter anderem Konjunktionen, aber auch Phrasen (eine Gruppe von Wörtern), die du benutzen kannst. Wir werden dir in diesem Text linking words zeigen, die Sätze ordnen , die Informationen hinzufügen und solche, die einen Kontrast herstellen . Außerdem lernst du welche kennen, dieetwas betonen , vergleichen , schlussfolgern und welche, die Beispiele oder Gründe angeben.

Linking words verbinden Sätze ordnen Informationen hinzufügen Kontrast herstellen betonen vergleichen schlussfolgern Beispiele Gründe
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Manche linking words werden zum Ordnen von Argumenten oder Aussagen genutzt. So kannst du aufzählen, was an erster Stelle steht und was an letzter. Folgende linking words kannst du benutzen, um den Satz oder einzelne Inhalte im Satz zu ordnen.

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