Recently media outlets have reported that the government is having trouble verifying the income information of as many as 2 million people enrolled in health coverage through the Affordable Care Act. As a result, they say, consumers may be getting the wrong level of tax subsidy to help them pay monthly premiums. Opponents of the Affordable Care Act have characterized these discrepancies in income data as yet another flaw in the new health law.
As the 2014 college graduation season draws to a close, young adults are saying goodbye to their alma maters and entering the working world. Many face the challenge of securing their first full-time job at a time when the economy is uncertain and jobs are scarce. The vast majority of recent graduates—racial and ethnic minorities in particular—start their working lives under the shadow of significant educational debt. As if that weren’t enough, many of these former students also face losing the health insurance that they purchased through their college or university.
It is important that recent graduates understand that the Affordable Care Act gives young adults affordable options for securing coverage—including access to the financial help available through the health insurance marketplace.
Quality, Not Size: How to Ensure Health Insurance Marketplace Plans Have Adequate Provider Networks for Consumers
For many years prior to the Affordable Care Act, we’ve encountered stories from consumers who have trouble finding health care providers who are in their insurance company’s network or who can’t get accurate information about which providers are in their network. Now, provider network issues are more contentious than ever.
As we discussed in our post last week, high deductibles in health insurance plans can create barriers to necessary care for low- and moderate-income consumers and are particularly concerning in silver plans, which are most popular among this group.
Health insurers can create silver plans that have lower upfront cost-sharing than high deductible plans, but analysis suggests that many insurers are not doing so.
Designing Silver Health Plans with Affordable Out-of-Pocket Costs for Lower- and Moderate-Income Consumers
This brief identifies silver plan designs that make the upfront cost for care more affordable. You’ll also find policy and advocacy strategies to help advocates and policy makers effectively promote similar plan designs in other marketplaces across the country.
Last week, on the eve of the close of the Affordable Care Act’s first open enrollment period, Families USA released a special report, “Accelerating the Affordable Care Act’s Enrollment Momentum: 10 Recommendations for Future Enrollment Periods” highlighting ten things that the Department of Health and Human Services and/or state marketplaces can do to improve enrollment in time for November 15, the next open enrollment period.
Accelerating the Affordable Care Act’s Enrollment Momentum: 10 Recommendations for Future Enrollment Periods
Building on lessons learned during the first enrollment period, this report identifies 10 key steps that HHS and state marketplaces can take to significantly increase the number of people who enroll in health insurance during the next enrollment period.
Tonight (by midnight) marks the end of the first open enrollment period to get health insurance in the marketplaces. And although this first open enrollment period was a success—more than 6 million people had signed up for health insurance as of March 27—there are still opportunities to enroll millions of people who remain uninsured. This post outlines the ongoing enrollment opportunities that remain beyond the close of the first open enrollment period.
Last year, the Department of Health and Human Services awarded $67 million in grants to 105 organizations to hire navigators and help consumers enroll in health insurance marketplace plans.
These navigators and assisters have played an invaluable role to millions of people who have signed up so far. Now, the federal government must prepare for the next round of funding.
Health insurers and web brokers who follow certain federal rules (relating to topics such as protecting consumer information and displaying standardized disclaimers) are allowed to directly enroll consumers in marketplace health coverage and financial assistance; the consumer does not need to directly visit a marketplace website or contact a marketplace call center in these instances.