Navigator Guide FAQ of the Week: Can Insurers Ask About Your Health History?

With just one month left in the open enrollment period for most of the Affordable Care Act’s marketplaces, we’ve updated our Navigator Resource Guide to reflect all of the federal health policy changes that have occurred over the last year and have provided answers to hundreds of frequently asked questions (FAQs). In light of the recent wave of health care-related robocalls from scammers, our FAQ of the Week focuses on: Is an insurer allowed to ask me about my health history? Continue reading

Virginia’s Enrollment Season Perfect Storm

Across the country, states are yet again dealing with policy changes just before the fall open enrollment season. Virginia, however, is a special case. The state is dealing with simultaneous implementation of Medicaid expansion, expanded short-term limited duration insurance and association health plans, and changes to the definition of sole proprietors for small employers, all with less funding for the navigator program. CHIR’s Olivia Hoppe breaks down how each change affects Virginians. Continue reading

Massive Navigator Funding Cuts Pose Risks for Consumers, Marketplaces

On September 12, the Centers for Medicaid and Medicare Services released the in-person assistance awards for the 2018-2019 enrollment season. The Administration allotted $10 million to the federally facilitated marketplaces, a more than 80 percent drop in funding over two years. CHIR’s Olivia Hoppe explains the risks the funding cuts pose on consumers and the ACA marketplaces. Continue reading

Cities File Suit Against the Administration for Deliberately Failing to Enforce the ACA

On August 2, a coalition of cities filed a federal lawsuit against President Trump and the Department of Health and Human Services, alleging that the administration has “intentionally and unconstitutionally” sabotaged the Affordable Care Act. The complaint alleges that the President has increased the cost of health coverage by discouraging enrollment, stoking uncertainty in the insurance markets, and reducing consumer choice. CHIR’s Emily Curran breaks down their complaint and evidence of alleged harm. Continue reading

Affordable Care Act Navigators: Unexpected Success During 2018 Enrollment Season Shouldn’t Obscure Challenges Ahead

Heading into open enrollment for 2018 marketplace coverage, experts predicted far fewer people would sign up for coverage. Despite the obstacles working against a successful open enrollment, sign-ups came close to last year’s tally: federally facilitated marketplaces (FFMs) logged 8.8 million plan selections, including close to 2.5 million new consumers, by the close of open enrollment on December 15th, nearing the 9.2 million plan selection from the previous year in just half the time. CHIR’s Olivia Hoppe and JoAnn Volk take a look at what explains the better-than-expected results. Continue reading

Enrolling in Health Insurance is Complicated. That’s Where Navigators Can Help.

With the close of Open Enrollment for federally run marketplaces last week, preliminary reports suggest this year’s total sign-ups will be fewer than prior years. The Administration also recently released data that calls into question the value of Navigators, noting that they accounted for less than 1 percent of customers who were signed up by federally funded navigator organizations in 2016. CHIR’s Olivia Hoppe explains how these data fail to tell the whole story. Continue reading

CMS Awards $67 Million to Assist Consumers with Accessing Coverage OE3 and Beyond

Last week the federal agency responsible for implementing the Affordable Care Act awarded $67 million in grants to state and local organizations to serve as marketplace navigators. These groups will conduct outreach to consumers and help them enroll in affordable coverage options. Our colleague Tricia Brooks blogs about why navigators are so important and previews some critical future announcements. Continue reading