Risk Adjustment Program: HHS Operations
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1 Risk Adjustment Program: HHS Operations DEPARTMENT OF HEALTH AND HUMAN SERVICES CENTERS for MEDICARE & MEDICAID SERVICES Center for Consumer Information and Insurance Oversight Health Insurance Exchange System-Wide Meeting May 21-23, 2012.
2 CONTEXT The contents of this presentation represent preliminary information with the purpose of soliciting stakeholder feedback. Proposed policies for the risk adjustment program will be announced in the draft HHS notice of benefit and payment parameters, which will be subject to comment before finalized. More information on the HHS proposed operational approach when operating risk adjustment on behalf of non-electing States can be found in the Risk Adjustment Bulletin at 2
3 Contents Overview and background HHS operated risk adjustment program HHS data collection approach Coordination with existing State risk adjustment data collection Timeline and process for implementation 3
4 Background Overall goals: Mitigate the impacts of potential adverse selection Stabilize premiums in the individual and small group markets Aim: Premiums reflect differences in benefits and plan efficiency, not health status of enrolled population 4
5 Risk Adjustment Under the ACA What: Transfers funds from lower risk plans to higher risk plans Who participates: Non-grandfathered individual and small group market plans, inside and outside the Exchange How: Criteria and methods developed by the Secretary, in consultation with States. May be similar to criteria and methods utilized under Part C or D of Medicare 5
6 Overview of Risk Adjustment Methodologies HHS, in consultation with States, will develop a risk adjustment methodology for use when operating risk adjustment on behalf of a State A State may propose an alternate risk adjustment methodology for certification by HHS Any Federally certified risk adjustment methodology (including the methodology developed by HHS) could be used by a State operating risk adjustment 6
7 HHS Operated Risk Adjustment Program: Payments and Charges Timing The risk adjustment program would balance payments within a State and within a market HHS would not remit payments to issuers until after receipt of charges owed by issuers in that State. HHS may adjust payments based on receipt of funds to ensure that payments and charges remain balanced The intent is that payments and charges would be calculated at the plan level, and would be aggregated up to the issuer level 7
8 HHS Risk Adjustment Data Collection: Policy Objectives To minimize data transfers in order to lower privacy and data security risks To ensure that issuer proprietary data remains within the issuer environment To standardize software processes, timing and rules in order to apply risk adjustment uniformly across issuers To ensure an audit sample is controlled and maintained 8
9 HHS Risk Adjustment Data Collection Approach HHS intends on utilizing a distributed approach to data collection Two distributed approaches are being considered: 1. HHS runs software. HHS would run risk adjustment software on enrollee data that resides on issuer s server and provides enrollee level risk scores to the issuer. HHS would calculate enrollee level risk scores. 2. Issuer runs software provided by HHS. Issuer would run HHS risk adjustment software using enrollee data on its own server and reports back enrollee risk scores to HHS. The issuers would calculate enrollee level risk scores. 9
10 HHS Distributed Model in IT Infrastructure Who: Issuer would house the claims data. HHS would run software on issuer claims information. Where: Copy of claims information would be stored in a secure system within the issuer s data environment (e.g. edge server or secure cloud storage center). Claims data would not be sent to HHS. What: HHS would obtain and retain plan-level summarized and individual, de-identified risk score results to run risk adjustment, rather than collect enrollee-level claims information 10
11 HHS Coordination with Existing State Data Collection HHS will work with States that express an interest in utilizing existing data to assess the appropriateness of the data for risk adjustment. States certified to run an Exchange can elect to run the risk adjustment program Potential considerations include: Do States have the authority to collect risk adjustment data? What issuers are included in the existing data? Are data elements required for risk adjustment being collected? What kind of quality checks, audit or review of data is conducted? 11
12 Technical Concept Proposed Approach Proposed Deployment Timeline 12
13 Proposed Distributed Data Processing: Technical Approach Secure, technical design using a stand-alone (or segregated physical/virtualized) set of dedicated system components and services to ensure a stable operational environment with performance efficiencies Dedicated environment operates independently of other operational processes and supports risk adjustment processing with no impact to issuer production systems, but does require coordination of operational schedules Design partitions environment to ensure adequate firewall separation of Issuer data and HHS summarized/aggregate data and provides for security and privacy safeguards Dedicated environment restricts access to only designated, authenticated users with the proper roles and permissions Current plan is to maximize the use of open source software 13
14 Proposed Deployment Timeline Development Phase Task Item Responsible Party Target Date Development Edge Server / RA process development HHS SUMMER 2012 Quality Assurance System & Integration Test HHS SEP 2012 Quality Assurance Select Sample Issuers for Beta HHS SEP 2012 Quality Assurance Beta Test Issuers / HHS DEC 2012 Issuer Instructions Develop Instruction Guides HHS DEC 2012 Issuer Instructions Publish for Issuers HHS JAN 2013 Implementation Acquire Servers Issuer JAN 2013 Implementation Establish server connectivity Issuer JUN 2013 Implementation Training and Support HHS JAN Training and support to be ongoing for issuers 14
15 Summary of Risk Adjustment Process Timeline 15
16 HHS Operated Risk Adjustment Data Validation 16
17 Purpose The purpose of data validation is to promote confidence in the application of a Federally certified risk adjustment methodology 17
18 Background The Premium Stabilization Final Rule requires States, or HHS on behalf of States, to: Validate a statistically valid sample of data for all issuers that submit for risk adjustment every year Provide an appeals process The rule allows States, or HHS on behalf of States, to: Adjust average actuarial risk for each plan based on the error rate found in validation Adjust payments and charges based on the changes to average actuarial risk 18
19 HHS Considerations for Proposed Approach Integrity. Promote confidence in risk adjustment data across market Flexibility. Allow issuers to set their own internal timelines and workflows for completing the initial audits within the period specified by HHS Privacy. Limit data transfers and apply privacy protections Consistency. Permit HHS to establish uniform audit requirements to ensure a level playing field across issuers Burden. Issuers are better able to leverage existing resources to conduct their data validation Data. Leverage issuer access to data to conduct data validation activities Accurate Relative Risk. Account for accurate health status of both healthy and sick enrollees Precedent. Adopt and build on concepts from other standard industry audit practices 19
20 HHS Proposed Data Validation Approach In a process similar to HEDIS audits, issuers would hire independent auditors to conduct validation of their risk adjustment data HHS would audit the independent auditors to confirm findings HHS would establish baseline requirements to be used by initial and second validation auditors when conducting the validation process. 20
21 HHS Proposed Data Validation Approach Risk score error would be extrapolated to the issuer level using a representative sample of enrollees Risk score error from 2014 validation would not apply to payments and charges for 2014 benefit year HHS would evaluate error rates using 2014 data for potential adjustments beginning in 2016 for calculations of payments and charges for the 2015 benefit year Adjustments would not be applied retroactively 21
22 Proposed Data Validation Process Set Up and Implementation Timeline for Benefit Year
23 Proposed Data Validation Process Stage 1. Sampling. HHS selects a statistical sample of enrollees from each issuer Stage 2. Initial Validation Audits Issuers provide relevant review documentation to the Initial Validation Auditors Initial Validation Auditors review documentation in accordance with HHS baseline standards and report findings to HHS within an established timeframe Stage 3. HHS Second Validation Audits HHS performs oversight audits to confirm data validation findings from the Initial Validation Audits HHS provides the opportunity for appeals Stage 4. Payment Adjustments HHS calculates error rates HHS evaluates error rates for potential adjustments to payments and charges 23
24 State Flexibility and Risk Adjustment Implementation 24
25 Background States that are approved to operate a State-based Exchange may also choose to operate their own risk adjustment program. The process that States will need to undertake to set up a risk adjustment program includes: 1. State Exchange Approval: States will notify HHS about their plans to operate a State-based Exchange and risk adjustment program. 2. Development of Risk Adjustment Methodology: States can work with HHS to develop a methodology to be approved by HHS or States can choose any Federally certified methodology. 4
26 State Flexibility and Leverage States have flexibility when designing their risk adjustment programs to: Propose certain components of the risk adjustment methodology to tailor the program to their needs and to local market conditions; and Leverage existing State-wide data sources and data collection tools States will have the opportunity to collaborate with HHS upfront and build off of existing HHS systems and processes if they so choose. HHS will work one-on-one with States on an ongoing basis to ensure that their risk adjustment programs operate smoothly or are phased-in appropriately if States opt not to operate risk adjustment in
27 Important Questions for States to Consider for Operating Risk Adjustment 27
28 Process for Proposing an Alternate Risk Adjustment Methodology Within 30 days of release of the draft HHS payment notice, States must submit to HHS: Risk adjustment model description Calculation of plan average actuarial risk Data collection approach Schedule for implementation Schedule for recalibration HHS will consider alternate methodologies based on criteria established in 45 CFR (i.e. uses data that is complete, high quality, and available in a timely fashion) and detailed in the draft HHS payment notice HHS will publish the list of approved methodologies in the final HHS payment notice States can choose any Federally certified methodology when operating risk adjustment. The State must notify issuers and the public in the State Notice of Benefit and Payment Parameters 28
29 State Flexibility in Proposing an Alternate Risk Adjustment Methodology States can modify: Risk adjustment model Calculation of plan average actuarial risk Calibration data Data collection approach Schedule for implementation For example, a State could propose an alternate model that: Incorporates a prospective model approach Has State-specific weights different from the weights in the model developed by HHS States cannot initially vary from the HHS methodology for payments and charges 29
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