During the COVID-19 Crisis, State Health Insurance Marketplaces Are Working to Enroll the Uninsured

As the coronavirus pandemic and economic shutdown continue, the Affordable Care Act’s health insurance marketplaces are an important tool in covering the uninsured. In a new post for the Commonwealth Fund’s To the Point blog, CHIR experts Rachel Schwab, Justin Giovannelli and Kevin Lucia explore how state-based marketplaces have worked to enroll the uninsured during the COVID-19 crisis by creating new opportunities to sign up for coverage and launching outreach campaigns. Continue reading

COVID-19 Response: States That Run Their Own ACA Marketplace Are Better Positioned to Help Consumers Get Covered

During the current public health and financial crises brought by the COVID-19 pandemic, the ACA’s health insurance marketplaces offer a crucial safety net. States that run their own marketplaces have a significant advantage in helping consumers obtain comprehensive, affordable health insurance. CHIR’s Rachel Schwab looks at some opportunities for state-based marketplaces that don’t exist for states relying on the federal marketplace. Continue reading

Navigating Coverage During the COVID-19 Pandemic: Frequently Asked Questions

The novel coronavirus, also known as COVID-19, has been the cause of confusion and anxiety for individuals and families across the country, especially when it comes to health care. We’ve pulled together some frequently asked questions, and added new COVID-19-specific inquiries, from our Navigator Resource Guide to help guide Navigators, brokers, assisters, and consumers through this complex and trying time. Continue reading

What’s New for 2020 Marketplace Enrollment?

On November 1, the seventh open enrollment period begins for marketplace coverage under the Affordable Care Act. We at CHIR are tracking several policy changes that could affect marketplace enrollment and plan affordability in 2020, including: changes to health reimbursement arrangements, new direct enrollment pathways, and recent court rulings on association health plans and the public charge rule. To learn what’s new for 2020, read our CHIRBlog summarizing the major policy changes consumers might encounter this year. Continue reading

In the Aftermath of a Natural Disaster and Have Questions about your Health Insurance Coverage? CHIR Experts Answer Some Frequently Asked Questions

In the wake of devastating natural disasters, consumers living in hurricane or wildfire affected areas may have questions about their marketplace health insurance. As marketplace open enrollment for 2018 coverage begins in less than a month, CHIR experts have put together answers to questions that consumers may be asking particularly around how these natural disasters affect their ability to sign up for or re-enroll into marketplace coverage. Continue reading

Healthcare.gov Rolls out Two Operational Changes Related to Verifying Special Enrollment Periods and Immigration Status

While Congress shifts away from talking about how to replace the Affordable Care Act to stabilizing the individual market, enrollment in ACA marketplaces continues. Recently, the administration made two operational changes affecting federally facilitated marketplaces and states using healthcare.gov: phase 2 of pre-verifying special enrollment eligibility and a process to electronically resolve data matching issues related to immigration status. CHIR’s Sandy Ahn summarizes the changes. Continue reading

New Special Enrollment Roadblocks for Consumers: Hindering, not Helping Consumers Get Coverage

While Congressional leaders debate how to repeal and replace the Affordable Care Act, the Trump administration recently implemented new requirements for consumers seeking a special enrollment period for marketplace coverage. Designed to prevent people from waiting until they are sick before signing up for coverage, some of these new requirements could make it more difficult to enroll; others could reduce consumers’ plan choices. Sandy Ahn summarizes the new policy changes that went into effect last month.
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A Snake in the Grass? Choosing Between COBRA and Other Coverage Options After Leaving Employer Coverage

Leaving a job comes with many challenges, not the least of which is securing new health insurance. The Consolidated Omnibus Budget Reconciliation Act (COBRA) offers employees continued coverage on their job-based plan, but losing the employer subsidies could cause some to turn to the individual market to find lower premiums. With a Senate bill under consideration that reduces federal subsidies and strips away vital consumer protections, anyone leaving employer coverage will have to make a decision today about joining an insurance market that could look vastly different six months from now. On her last day at Georgetown, CHIR’s Rachel Schwab reflects on options for coverage after leaving a job-based plan. Continue reading