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.
I've written a LOT lately about the dozen state-based ACA exchanges which have implemented COVID-19-specific Special Enrollment Periods for uninsured residents...as well as the two ACA exchanges (Idaho's, whcih is state-based, and The Big One, HealthCare.Gov, which hosts 38 states) which haven't done so as of yet.
Given how much outrage there's been at the federal government for not opening up HC.gov to a COVID SEP (Idaho has somehow managed to escape notice for making the same decision) by practically every party (even the American Enterprise Institute, which isn't exactly a lefty organization, is calling for one), it's worth taking a look at the states which do have COVID SEPs open to anyone uninsured to see just how many people are actually taking advantage of them.
Connect for Health Colorado Extends Emergency Special Enrollment Period until April 30 in Response to COVID-19 Outbreak
DENVER — Due to the growing number of coronavirus (COVID-19) cases and increased need for health coverage, Connect for Health Colorado will extend an Emergency Special Enrollment period for uninsured Coloradans until Thursday, April 30, 2020.
Since March 20, approximately 5,200 individuals protected their health and safety by signing up for a health insurance plan through this Special Enrollment period. People who enroll during the extended timeframe will have coverage as of May 1.
via the Colorado Dept. of Regulatory Agencies Insurance Division, it looks like Connect for Health Colorado is about to go ahead and establish their own COVID-19 Special Enrollment Period after all (this is from an internal draft document...the dates could still change, and it's not 100% guaranteed that they'll go ahead with it yet):
DEPARTMENT OF REGULATORY AGENCIES Division of Insurance 3 CCR 702-4 LIFE, ACCIDENT AND HEALTH
DRAFT Emergency Regulation 20-E-02
CONCERNING ESTABLISHING A SPECIAL ENROLLMENT PERIOD FOR ENROLLMENT IN AN INDIVIDUAL HEALTH BENEFIT PLAN RELATED TO COVID-19
...This emergency regulation is promulgated and adopted by the Commissioner of Insurance under the authority of §§ 10-1-108(7)(a), (7)(b)(III), 10-1-109(1), 10-16-105(2)(b), 10-16-105.7(3)(a)(II)(G), 10-16-105.7(3)(b)(II)(F),10-16-108.5(8), and 10-16-109, C.R.S.
The court also found that Aliera is a for-profit company and cannot qualify as a health care sharing ministry under state or federal law. The Insurance Department is concerned about potential fraudulent or criminal activity on the part of Aliera. Since the company may be an illegitimate health care sharing ministry, consumers should be aware that if they remain in an Aliera product, they may be covered by an unlicensed insurance company.
Unity Healthshare, now known as OneShare Health, was authorized by the court to reach out to Unity members about their options, and consumers who have purchased a Unity/Aliera product should be aware that they may be receiving this communication.
DENVER — Nearly 167,000 Coloradans signed up for a health insurance plan through the state’s official Marketplace by the end of the Open Enrollment period, according to preliminary data released today by Connect for Health Colorado.
Among the 2020 plan selections, about 20 percent are by customers who are new to Connect for Health Colorado and 80 percent are returning customers.
“This has been another successful Open Enrollment period,” said Chief Executive Officer Kevin Patterson. “Now the work continues to increase access, affordability and choice for residents. We are fully engaged with partners at the state and in the legislature to advise and help implement innovative approaches to lower the cost of health care and increase choice.”
Located across Colorado, these events provide educational and enrollment information about health insurance coverage, the application process and financial help through Connect for Health Colorado. While you can’t complete enrollment at all of these events, they are a great opportunity to talk with our network of trusted, certified experts and to schedule appointments.
Pueblo Get Covered is hosting an open enrollment on Wed, Jan 15 from 8 am - 5 pm at 230 N Union Ave. Pueblo, CO 81003. For more information call 719-583-6611. Jan 15 is the last day of open enrollment!
More than 153,000 Coloradans Enrolled in Health Insurance So Far; Less than Four Weeks Remain to Enroll for 2020 Coverage
DENVER — More than 153,000 Coloradans signed up for a health insurance plan through Connect for Health Colorado’s Marketplace by Dec. 18, 2019. Approximately 68 percent of applicants qualify for financial help to lower monthly premium costs.
“I am encouraged by the pace of sign-ups so far,” said Connect for Health Colorado® CEO Kevin Patterson. “However, it’s not too late to get covered for 2020. I urge you to take advantage of the final deadline and all the support we offer by visiting our site, giving us a call, or finding local help in your community.”
The Open Enrollment period in Colorado ends Wednesday, Jan. 15, 2020. Residents who sign up for a health insurance plan by the deadline will receive a Feb. 1, 2020 coverage start date.
Connect for Health Colorado Extends Enrollment Deadline for January Coverage to Dec. 18, 2019
DENVER – To help as many people as possible get Jan. 1, 2020 coverage, Connect for Health Colorado is pleased to announce that the deadline to get coverage on Jan. 1 has been extended. Coloradans have until 11:59 p.m. on Wednesday Dec. 18, 2019 to sign up for a health insurance plan that starts on Jan. 1, 2020.
To sign up for coverage that begins Jan. 1, 2020, Coloradans must take the following steps:
1. Complete an application and select a health insurance plan online at ConnectforHealthCO.com, over the phone at 855-752-6749, or by working with a certified enrollment expert by 11:59 p.m. on Wednesday, Dec. 18.
Connect for Health Colorado® Urges Residents to Shop by December 15 for January Coverage
Nearly 42,000 Coloradans signed up for a health insurance plan through Connect for Health Colorado’s Marketplace between Nov. 1 and Nov. 30. Approximately 70 percent of applicants qualify for financial help in the first month of the Open Enrollment period. Residents must sign up for a plan by Dec. 15, 2019 to have coverage in place by Jan. 1, 2020, however, Open Enrollment runs through Jan. 15, 2020.
Coloradans can sign up for a Marketplace plan online, over the phone or in person with a certified enrollment expert. Connect for Health Colorado has 23 enrollment centers to provide residents with walk-in help at different times throughout the week. Residents can also schedule an appointment.
Back in late October, a few days before the launch of the 2020 Open Enrollment Period, I issued a warning to ACA exchange enrollees who may have been benefiting from the "Silver Loading" premium pricing strategy for in 2018 and/or 2019 that the enhanced subsidies they've been taking advantage of for two years are likely going to be reversed for 2020:
What happens next year if the benchmark Silver plan drops by 4%...but the Bronze, Gold, and the OTHER Silver plans stay flat?
Connect for Health Colorado® Reports Coloradans are Shopping Around for 2020 Coverage
DENVER – Nearly 24,000 Coloradans have signed up for a health insurance plan through Connect for Health Colorado’s Marketplace between Nov. 1 and Nov. 15. for coverage starting Jan. 1, 2020.
More Coloradans buying their own health insurance are seeing lower premiums, largely due to the reinsurance program that passed this year. Reinsurance helps insurers with their most costly claims. However, given the complexities of how financial help available through the Marketplace is calculated, current customers should shop around to reduce monthly costs.
Heh. This is a pretty good layman-speak for #ReverseSilverLoading.
On average, those who qualify to automatically renew their plan would lower their premiums by 15 percent (compared to 2019) if they switch to the lowest-cost plan in their current level of coverage.
Open Enrollment for 2020 Coverage Brings Savings for Coloradans Who Actively Shop
DENVER – The Open Enrollment period to purchase health insurance for 2020 kicks off Friday, Nov. 1, with rates lower across the board for the first time since the Marketplace opened for business in 2013. And while rates are lower, Connect for Health Colorado strongly encourages all customers to compare their plan options before making a selection.
With the complexities of how the tax credit is calculated, customers who qualify for financial help will likely see a decrease in the dollar amount of assistance. It’s important to know that customers who qualify for financial help can reduce premiums an average of eight to 19 percent by switching to the lowest-cost plan available in their current coverage level.
Back in July, the Colorado Insurance Dept. announced the preliminary 2020 avg. premium rate changes for the individual and small group markets, including making the important point that their then-pending Section 1332 Reinsurance Waiver program, if approved, would cut down on unsubsidized premiums by over 18% on average (18.2%, to be precise, according to the CO DOI, although my own analysis based on the preliminary rate filings brought it in at a 17.5% reduction).