By partnering with health insurance companies, enrollment assisters gain access to plan information and health literacy resources. Assisters can more easily obtain answers to consumer questions about the marketplace plans available to them and troubleshoot consumer problems.
When health plans design their provider networks, they need to ensure that these networks are adequate and provide meaningful access to care. The Affordable Care Act established the first-ever federal rights guaranteeing private insurance consumers access to adequate networks.
Five Key Insights by Health Insurance Marketplace Experts for a Successful Second Open Enrollment Season
In preparation for the start of the second open enrollment period for the health insurance marketplaces, we’ve sponsored a series of talks with directors from state- and federally-run marketplaces across the country. These discussions share what’s top-of-mind for state health officials—lessons learned, the needs of consumers in this upcoming enrollment season, and insights into what has worked so far, and why.
Here are five key insights offered by marketplace experts from California, Florida, Illinois, Kentucky, Missouri, New York, Virginia, and Washington State.
This week’s midterm and gubernatorial elections shifted the political landscape dramatically. How will these changes affect the work of Families USA and other advocates whose goal is achieving affordable, high-quality health care? They will certainly have some impact, but it is important not to exaggerate their significance. Today, we’re examining the implications for health care advocacy in the states and on Capitol Hill.
Much like a cell phone, an insurance plan is only as good as its network. Protections enacted at the federal and state levels are an important step toward strengthening private insurance provider networks. The Affordable Care Act created the first-ever provider network protections for private insurance consumers. These protections require health insurance marketplace plans to have adequate networks to meet their enrollees’ medical needs in a timely manner.
Whether they need guidance with improving outreach, helping consumers understand their health coverage, or using the media to spread the word, resources are available to help navigators and assisters be successful.
The Affordable Care Act has made immense strides in expanding access to affordable health coverage. But some lower and moderate-income consumers may still struggle to afford coverage and care, even with the help of federal financial assistance. Nonprofits can alleviate some of the burden facing consumers.
Last week, we highlighted forward-thinking solutions some states have implemented to provide greater financial assistance to consumers, such as implementing the Basic Health Program.
The Obama administration announced on Monday that 115,000 consumers will lose their health coverage under the Affordable Care Act on October 1 because they did not submit the proper paperwork proving their legal immigration or citizenship status.
An additional 363,000 consumers may see their financial assistance affected because they did not accurately report their income. More than eight in 10 people who applied for health coverage in the federally facilitated marketplace qualified to receive this financial assistance (also known as premium tax credits or premium subsidies).
Proposed health insurance premium rates for 2015 varied greatly among states and insurers. To limit unreasonable rate increases, Families USA encourages state advocates to engage in the rate review process.
Earlier this year, we explained how advocates can participate in their state’s rate review process to influence the monthly premiums that health insurers are allowed to charge. We reached out to state advocates to “crowdsource” today’s blog about how advocates are challenging proposed rates.
In its second round of navigator grants, announced on Monday, the Department of Health and Human Services (HHS) awarded a total of $60 million to organizations in the 34 states where the federal government operates the health insurance marketplace. Of the 90 organizations receiving funding, 61 are returning for a second year of outreach and enrollment assistance.