California

SUMMARY OF #COVID-19 SPECIAL ENROLLMENT PERIODS:

ALL OTHER STATES: You may qualify for a 60-day Special Enrollment Period (SEP) if you've recently lost (or will soon lose) your employer-based healthcare coverage, or if you've experienced other Qualifying Life Events (QLE) such as getting marrinew yorked/divorced, moving, giving birth/adopting a child, getting out of prison, turning 26 etc. For these SEPs you may have to provide documentation to verify your QLE. Visit HealthCare.Gov or your state's ACA exchange website for details on the process.

California Responds to COVID-19 Emergency by Providing Path to Coverage for Millions of Californians

  • Covered California Expands Special Enrollment and Medi-Cal Seeks Waivers to Encourage Coverage
  • Effective immediately, anyone uninsured and eligible to enroll in health care coverage through Covered California can sign up through the end of June.
  • The Department of Health Care Services announces new steps to help those eligible for Medi-Cal sign up easily and get immediate coverage.
  • The moves come amid widespread disruption in the lives and livelihoods of Californians as public health officials seek to reduce the spread of COVID-19.
  • All medically necessary screening and testing for COVID-19 are free of charge, and all health plans available through Medi-Cal and Covered California offer telehealth options.
  • These actions build on increased state subsidies and the implementation of a state penalty, both of which took effect in January 2020

I already called attention to this in my last post, but it's so long & filled with data wonk stuff that I'm reposting a separate entry to specifically highlight the SEP specifically:

  • Covered California is announcing a special-enrollment period through April 30 to address concerns that many Californians remain unaware of the new financial help or the new state penalty.

Hmmmm....the Special Enrollment Period is interesting. HealthCare.Gov and some state exchanges did something like this in spring 2015 (the first year people had to actually pay the mandate penalty) and managed to get around 210,000 more enrollees nationally. Of course, the penalty for 2014 was only $95 or 1% of income at the time...now it's up to $695/person or 2.5% of household income, so it's a bigger deal.

New Special-Enrollment Period Announced

When I last checked in on Covered California a couple of weeks ago, they still had two days left before their 2020 Open Enrollment deadline, and had managed to rack up 1.51 million on-exchange enrollments. This included 1.15 million renewals of existing enrollees, plus another 364,000 new enrollees.

I noted at the time that they had just barely beaten 2019's total with two days to go, and would have to add about 7,500 more to break 2018's total, and another 43,000 to beat 2017.

Well, they ended up in between the two, partly due to an overestimate of the renewal figure:

New California Policies Make Huge Difference, Increasing New Signups During Covered California’s Open Enrollment by 41 Percent

New Special-Enrollment Period Announced to Continue to Get Word Out on New Subsidies and Penalty

With one day left to go before the 2020 ACA Open Enrollment Period wraps up in California, the largest state ACA exchange in the country issued one more update and call to action:

Covered California Sees Thousands of People Enroll Each Day as it Approaches Friday’s Final Day of Open Enrollment

  • More than 364,000 consumers have newly enrolled during the current open-enrollment period, which ends at midnight on Friday, Jan. 31
  • More than 33,000 people have enrolled since Monday, an average of more than 11,000 people per day.
  • California passed two new laws for 2020, one that requires Californians to have health insurance or face a penalty, while the other offers new financial help – for the first time – to eligible consumers purchasing coverage.

Open enrollment is the one time when people can sign up for health insurance in the individual market without needing a qualifying life event.

This came out while I was in DC for the Families USA conference...

Covered California’s New Enrollment Surges Past Last Year’s Mark with More than a Week Before the Upcoming Jan. 31 Deadline

  • More than 318,000 consumers have newly enrolled during the current open-enrollment period, surpassing last year’s open enrollment total.
  • However, new research shows that many Californians – particularly the uninsured – are unaware of a new state law which requires people to have health insurance or face a penalty.
  • In addition, many Californians are unaware of the new financial help that is available for the first time this year, including first-in-the-nation assistance for middle-income consumers.
  • Open enrollment, which continues through Jan. 31, is the one time when people can sign up for health insurance in the individual market without needing a qualifying life event.

SACRAMENTO, Calif. — Covered California announced new enrollment data as it moved into the final week of open-enrollment and continued to reach out to consumers about the new state penalty and additional financial help that went into effect with the new year.

As of Wednesday, Jan. 22, more than 318,000 consumers had newly signed up for health insurance through Covered California during the current open-enrollment period, which surpassed last year’s total of 295,000.

via Covered California...

he commemoration of Dr. King’s 91st birthday will include parades in both Los Angeles and Sacramento where Covered California will participate.

Covered California representatives, including executive director Peter V. Lee, will join members of Charles Drew University of Medicine and Science in participating in Los Angeles’ Kingdom Day Parade.

In addition, Covered California staff will join thousands of others in Sacramento’s March for the Dream parade.

Covered California is committed to ensuring that the rich diversity of people in the state have access to quality health care.

Open enrollment is underway, and people have through Jan. 31 to sign up for coverage and see if they are eligible for financial help.

SACRAMENTO, Calif. — Covered California will help celebrate the 91st birthday of Martin Luther King Jr. on Monday, by having a contingent of leaders honor the civil rights icon by participating in parades in both Los Angeles and Sacramento.

This Just In via Covered California:

Covered California Continues to See Strong Interest and Reminds Consumers That Penalty Is Back for 2020 as Open-Enrollment Deadline Approaches

  • More than 269,000 consumers have newly enrolled during the current open-enrollment period, which continues in California through Jan. 31.
  • A new law requires Californians to have health insurance in 2020 or face a penalty when they file their taxes with the Franchise Tax Board in 2021.
  • The penalty can be $2,000 or more for a family of four.
  • New research shows that many Californians, particularly the uninsured, are unaware of the new penalty or the new financial help that is available for the first time this year.

SACRAMENTO, Calif. — Covered California announced new data as it approaches the final two weeks of the annual open-enrollment period and reminded consumers about the new state penalty and additional financial help that went into effect with the new year.

As of Saturday, Jan. 4, more than 269,000 consumers had newly signed up for health insurance through Covered California during the current open-enrollment period, which is an increase of 18 percent above the number of consumers who had enrolled at this time last year. In addition, more than 1.15 million existing Covered California members have renewed their coverage for 2020.

Last year, California passed several important bills related to expanding coverage in their ACA exchange, Covered California. Two of the biggest changes were the expansion of subsidies to middle-class enrollees earning 400-600% FPL (as well as enhancing subsidies for existing enrollees), and the reinstatement of the individual mandate penalty (the revenue from which is actually supposed to be used to help finance the expanded subsidies).

Just before Christmas, I noted that there may be a major awareness problem with the first of these:

Again, there's still another five full weeks of Open Enrollment in California (six, if you include the missing data from last week). As I've noted, they'll have to add at least 134,000 total enrollees to beat last year, or nearly 200,000 to beat their all-time high. From the looks of things, they're on track to hit that 615K figure in the 200-400% range, but the 400-600% range is gonna be a much steeper climb...which is ironic since that's the population which is eligible for the most dramatic price cuts.

A couple of weeks ago, Covered California reported that as of December 7th, over 486,000 residents were taking advantage of their newly-expanded & enhanced state ACA subsidies:

...More than 486,000 individuals have been determined eligible for the new state subsidy, including about 23,000 in the 400 to 600 percent range of the federal poverty level, which could extend to an individual making up to $74,940 and family of four with a household income of up to $154,500. Of those in this income range who have signed up through Covered California, 44 percent have been found eligible for the state financial assistance.

...If I'm following correctly, the total breakout is:

  • 777,000 = either 138 - 200% FPL or not eligible for any subsidies
  • 463,000 = 200 - 400% FPL; receiving both federal & state subsidies
  • 23,000 = 400-600% FPL; receiving state subsidies only

The press release also broke out the household average for the new/expanded subsidies:

This just in from Covered California:

Covered California Releases New Enrollment Data and Issues Reports on Five Years of Improving Affordability, Access and Accountability

  • Covered California announced that there are more than 230,000 new plan selections during the current open enrollment period – up approximately 16 percent over this time last year. More than 1.15 million people have also renewed their coverage.
  • In addition, more than 540,000 people will receive new state subsidies that will make quality health care coverage more affordable in 2020.
  • The agency also released two extensive reports that detail Covered California’s impacts on lowering costs and assuring quality care in its implementation of the Affordable Care Act.
  • Since 2013, California has reduced its uninsured rate by more than any other state in the nation has by expanding Medi-Cal, investing in marketing and outreach and keeping costs low for consumers.
  • California’s individual market consistently ranks among the healthiest in the nation, helping unsubsidized consumers save about $1,550 annually in 2018 on their premiums compared to consumers in the federal marketplace.
  • Covered California’s open-enrollment period runs through Jan. 31. Consumers must sign up before the end of Dec. 20 for their coverage to start on Jan. 1. California is one of 10 state marketplaces that are still open for business, representing 28 percent of Americans.

This just in from Covered California, CA's ACA exchange:

Due to high call volume and enrollment demand, @CoveredCA will extend the deadline for Jan. 1 coverage through midnight next Friday, Dec. 20. That means consumers have an extra 5 days to sign up for #ACA #healthcare coverage for all of 2020. Check rates.

— Covered California News (@CoveredCAnews) December 13, 2019

ALERT: The deadline to enroll in health insurance starting January 1 has been extended to midnight on December 20. Don't wait and get covered!

Moments ago, Covered California, the nation's largest state-based ACA exchange, released data via a media teleconference regarding the 2020 Open Enrollment Period.

In addition to being the largest ACA exchange after HealthCare.Gov, this info from Covered California is especially significant for the 2020 OEP due to their newly expanded/enhanced premium subsidies.

To recap: Under the ACA, financial subsidies are available to exchange enrollees earning between 100-400% of the Federal Poverty Level (FPL). That's between around $12,500 - $50,000/yr if you're a single adult, or between $25,000 - $100,000/yr for a family of four. Under the standard ACA formula, enrollees in that income range have their premiums capped at no more than around 2.0 - 9.8% of their income, on a sliding scale.

Unfortunately, this means that people earning more than 400% FPL are eligible for no financial assistance at all, a sudden drop-off known as the Subsidy Cliff.

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