Ch-ch-ch-ch-changes: Special Enrollment Periods Provide Essential Coverage During Common Life Transitions, but Many People Don’t Know They Exist

Change in life is unavoidable: people move, get married, change jobs and have babies. Special enrollment periods (SEPs) allow people experiencing such life changes to access marketplace coverage, often with financial assistance. Unfortunately the majority of people don’t know about them. CHIR’s Sandy Ahn takes a look at SEPs, including the administration’s current approach to SEPs and the missed opportunities to raise overall awareness of them, strengthen the risk pool, and reduce the number of uninsured. Continue reading

Wisconsin’s Objection to Automatic Re-enrollment of Enrollees in Federally Facilitated Marketplaces

The administration recently issued a proposal to smooth renewals for consumers affected by insurance company exits from the health insurance marketplaces established by the Affordable Care Act (ACA). Wisconsin, which has been slow to warm to the ACA, is objecting on grounds that it violates principles of “consumer choice.” CHIR’s Sandy Ahn breaks down Wisconsin’s objection and contends the administration’s proposal not only protects consumer choice, but ensures continuous health insurance coverage for consumers. Continue reading

Open Enrollment IV (OE4) is Just around the Corner: Things to Watch

While it seems like we just finished open enrollment, the next round for 2017 coverage is right around the corner. For open enrollment IV, officials will be implementing new policy changes in an effort to ensure not just a better shopping experience, but also to minimize disruptions of coverage and financial assistance. CHIR’s Sandy Ahn and Sabrina Corlette summarize some of the 2017 changes for FFMs below. Continue reading

New Rules on Special Enrollment Periods: What Do They Mean for Consumers and the Assisters Who Help Them?

What triggers a special enrollment period to allow someone to enroll on the individual market outside of open enrollment has been a hot debated topic of late. Recently the administration issued a new rule tightening what life events trigger a special enrollment period. CHIR’s Sandy Ahn summarizes the new rule and what it means for consumers and the assisters that help them. Continue reading

Healthcare.gov Changing Approach to Special Enrollment Periods, May be Bumpy Road for Consumers

The administration recently announced that it will require verifying documents from consumers with a qualifying life change for special enrollment periods. For consumers, this means more work and likely a bumpy road to accessing health insurance through healthcare.gov. Sandy Ahn takes a look at this change and what it may mean for consumers. Continue reading

Obama Administration Creates a New Special Enrollment Period

This is the first year that the marketplace is denying financial assistance to individuals who failed to file their 2014 tax return and reconcile their premium tax credits. Many of these individuals may not have had to file a tax return previously and cannot afford coverage in 2016 without financial assistance. Therefore, the administration is providing a special enrollment period for these individuals as long as they file a 2014 tax return and reconcile their 2014 premium tax credits before March 31, 2016. CHIR’s Sandy Ahn summarizes this time-limited special enrollment period.
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