As 2023 comes to a close, it’s time to think about health insurance for 2024. Consumers searching for a 2024 plan online may come across products sold outside of the Affordable Care Act’s (ACA) Marketplace. Many of these plans do not comply with the ACA’s consumer protections, such as the requirement to cover pre-existing conditions. This week, we’re highlighting frequently…
…applications can be time consuming and burdensome. Some state-based Marketplaces have implemented programs to alleviate or eliminate these enrollment barriers. In a new post for the Commonwealth Fund’s To The Point blog, CHIR’s Rachel Swindle and Sabrina Corlette assess the status of these state efforts to smooth coverage transitions and discuss the urgent need for more timely and accurate data….
It’s time to sign up for 2024 coverage on the Affordable Care Act’s Marketplaces. This week, the Centers for Medicare & Medicaid Services (CMS) is spotlighting how the Marketplaces can serve LGBTQI+ individuals, a community that has historically faced discriminatory barriers to health insurance and health care. Here are a few frequently asked questions (FAQs) from CHIR’s Navigator Resource Guide…
By Kyle Maziarz It’s Open Enrollment for the Affordable Care Act’s Marketplaces, and the deadline to sign up for coverage that begins January 1 is fast approaching. This week, we’re spotlighting frequently asked questions (FAQs) from our Navigator Resource Guide about how to compare benefits and out-of-pocket costs across Marketplace plans. What is the difference between a premium and a…
…largest commercial purchaser of health care services in their state and therefore have market power to exert pressure on insurance companies and providers. Furthermore, given their size, their efforts to shift health plan and provider behaviors and encourage greater efficiencies can have ripple effects for other commercial purchasers. For these reasons, many state lawmakers have seen these health plans as…
…employer-sponsored health insurance, and suppressed workers’ wages. Unions not only play an important role protecting workers from this cost-shifting, they can also be critical allies for innovative strategies to reduce the unsustainable growth in health system costs. Unions Help Workers Secure Comprehensive and Affordable Health Insurance Strikes are predominantly led by unionized workers. A union is an organized group of…
…plans that are offered on the Marketplace. These plans will have lower deductibles, co-pays, coinsurance and out-of-pocket limits compared to regular silver plans. Once the Marketplace determines you are eligible for cost-sharing reductions, you will be able to select one of these modified silver plans, based on your income level. (45 C.F.R. § 155.305.) Look out for additional FAQs of…
…of Medicaid enrollees. Marketplace enrollees also found it challenging to compare financial obligations across plan options: 31 percent struggled to compare copayments and deductibles, and 25 percent had trouble comparing monthly premiums. Moreover, 32 percent reported difficulty determining whether they were eligible for Marketplace financial assistance. After selecting a plan, one in four (25 percent) Marketplace enrollees reported difficulty completing the…
…and DC, and an “Ask an Expert” feature. During Open Enrollment, we’ll highlight FAQs from the Navigator Guide about Marketplace eligibility, enrollment, financial assistance, and other common questions that arise throughout the signup process. This week, we’re taking a look at who is eligible for Marketplace plans. Who can buy coverage in the Marketplace? Most people can shop for coverage…
…type of office visit increase substantially from one year to the next following the purchase of their physician’s practice or varying considerably depending upon which of a physician’s offices they are seen. Insurers’ Handling Of Facility Fees Varies Across Geographic Areas And Plans There is insufficient data to provide a comprehensive picture of how different insurers address facility fees in…
The opinions expressed here are solely those of the individual blog post authors and do not represent the views of Georgetown University, the Center on Health Insurance Reforms, any organization that the author is affiliated with, or the opinions of any other author who publishes on this blog.
