Charles Gaba's blog

Annnnnnd add Your Health Idaho to the list:

Deadline to Get Health Insurance Extended
Idahoans have until December 31 to get covered for 2021

Today, for the first time ever, the Your Health Idaho Board of Directors voted to extend the Open Enrolment deadline. Idahoans now have until Dec. 31, 2020, to sign up for health insurance coverage that begins Jan. 1, 2021.

Your Health Idaho saw the largest single-day enrollment since 2018 on Tuesday, Dec. 15, the original deadline date. This increased activity coupled with ongoing impacts from the coronavirus pandemic spurred Your Health Idaho to extend the deadline.

“An unprecedented year calls for unprecedented measures,” said Your Health Idaho Chairman of the Board, Stephen Weeg. “Given the challenges faced by Idahoans in 2020 and the renewed need for comprehensive health insurance, we hope that by extending the deadline a few more weeks, every Idahoan will have access to the coverage they need for the coming year.”

Earlier this week California bumped out their "soft" enrollment deadline for January coverage from 12/15 to 12/30. Yesterday Colorado bumped theirs out to 12/18, and Connecticut tacked on an entire extra month to their Open Enrollment Period (though enrollees there won't start coverage until February at this point).

Today New York continues the trend:

Press Release: NY State of Health Reminds New Yorkers There is Still Time to Sign up for Coverage that Begins on January 1, 2021

Dec 17, 2020

(ALBANY, N.Y) December 17, 2020-- NY State of Health, New York’s official health plan Marketplace today announced New Yorkers applying for Qualified Health Plan coverage have until December 31 to sign up for health coverage starting January 1, 2021. Individuals who were unable to enroll by the December 15 deadline should enroll now by visiting the NY State of Health website.

This is interesting...via Connect for Health Colorado:

DENVER – Connect for Health Colorado®, the official health insurance marketplace for Coloradans, has formally launched a Public Benefit Corporation (PBC).

The PBC will offer health care ancillary products and services across the state as well as work to increase Coloradans’ health literacy.

This new organization will be a wholly-owned subsidiary of Connect for Health Colorado and will be a separate entity from Connect for Health Colorado.  It will not affect residents’ ability to buy Qualified Health Plans and apply for financial help through our Marketplace.

On the surface, the purpose of this PBC seems a bit vague...it sounds like it has something to do with the ACA Navigator program to help people shop for insurance on the exchange, to help them enroll in Medicaid and so forth...and those may still be part of its mission.

However, the more important part is this:

via the Centers for Medicare & Medicaid:

Total national healthcare spending in 2019 grew 4.6%, which was similar to the 4.7% growth in 2018 and the average annual growth since 2016 of 4.5%, according to a study conducted by the Office of the Actuary at the Centers for Medicare & Medicaid Services (CMS) and published today ahead of print by Health Affairs.

This report includes health expenditure data though 2019 and therefore does not include any of the effects of the coronavirus disease 2019 (COVID-19) pandemic on health care spending. Future reports for 2020 forward will measure health expenditures based on the latest available data and will reflect the impacts of the pandemic on total health care spending as well as on the distribution of spending among the services, payers, and sponsors of health care.

Way back in October 2013, I launched the ACA Signups project as a light, nerdy hobby thing which was only supposed to last around six months, through the end of the first ACA Open Enrollment Period (March 31, 2014). Instead...well, let's just say that it's more than seven years later and I'm still doing this.

The reality is that The Graph itself doesn't serve a whole lot of useful function anymore. The enrollment patterns were erratic the first couple of years but have since settled into a pretty predictable...if not downright boring pattern for both the federal and state exchanges. The main reason I keep doing it each year is mostly out of tradition these days; after all, without The Graph, there wouldn't be an ACA Signups and I wouldn't have become a healthcare policy wonk in the first place.

Hot off the presses from Maryland Governor Larry Hogan's office (interestingly, the announcement is being made by him, not by the Maryland Health Connection ACA exchange itself, which is unusual):

Governor Hogan and Maryland Health Connection Announce Record Enrollment for Health Coverage

ANNAPOLIS, MD—Governor Larry Hogan today announced that more than 166,000 Marylanders enrolled in private health coverage for 2021 through Maryland Health Connection—the largest enrollment ever on the state’s health insurance marketplace—which represents a 4.5% increase of about 7,100 enrollees since the previous year.

“I am pleased to see so many Marylanders taking advantage of our state’s impressive health insurance marketplace, especially as we battle the COVID-19 pandemic, ” said Governor Hogan. “With one of the longest COVID-19 special enrollment periods in the country, we continue to work to increase healthcare access and affordability in Maryland.”

I first wrote about Laura Packard here 3 1/2 years ago when she was first diagnosed with Hodgkins, though I've known her personally for a good 15 years or so. When she was diagnosed, her outlook was bleak; fortunately, she has since recovered and is now doing great:

In the spring of 2017, I was diagnosed with cancer (stage 4 Hodgkin’s Lymphoma). After a grueling 6 months of chemotherapy and a month of radiation treatment, I am in remission. For now. Hopefully forever.

The Affordable Care Act saved my life. But all the time I was fighting cancer, I had to fight my own U.S. Senator and my President in order to keep my health insurance. The day after my first chemotherapy session, the Republican House voted to dismantle the ACA. The “skinny repeal” of Obamacare was voted down in the Senate by one vote a couple days before my 7th chemo session. And the day after my 15th radiation session, I was thrown out of my (former!) U.S. Senator’s public forum for asking him about his health care record.

via the Washington Health Benefit Exchange:

Washington Healthplanfinder Sees Surge in Customers as Final 2021 Deadline Approaches

  • Select a plan by Jan. 15 for coverage that begins Feb. 1

People statewide flocked to Washington Healthplanfinder this week to beat the Dec. 15 deadline for health coverage that would start the first of the year. With that date now passed, Washingtonians still seeking 2021 health coverage have until Jan 15, 2021 to shop on Washington Healthplanfinder for coverage that begins February 1.

“We were glad to see the large number of enrollees come in and secure coverage that starts Jan. 1,” said Chief Executive Officer Pam MacEwan. “This year, in response to the public health emergency, we are providing additional time for those who didn’t enroll prior to Dec. 15 to sign up for 2021 coverage over the next month.”

A few weeks ago, Amy Lotven of Inside Health Policy reported on a clerical problem caused by a COVID-induced backlog at the IRS:

According to IRS National Taxpayer Advocate Erin Collins, IRS sent 1.8 million letters seeking more information from taxpayers who either failed to reconcile their tax credits or had discrepancies on their forms this year. But staff cuts and other problems stemming from the pandemic have stymied IRS’ work, and the agency still has about 1 million returns waiting to be processed, 3 million pieces of unopened mail and about 6.8 million individual returns still in process. As a result, even if taxpayers provided all requested information, the data that IRS shared with the marketplace might be inaccurate or incomplete, Collins says in a Nov. 25 blog published by the IRS’ Taxpayer Advocacy Service.

It's turned into an annual tradition: The official annual ACA Open Enrollment Period (OEP) runs from November 1st - December 15th, but most of the state-based ACA exchanges have later deadlines. hThen, right around the 12/15 point, it begins: One by one, some of the state-based exchanges announce further extensions of their deadlines to #GetCovered for the upcoming year.

In some cases they simply bump out the deadline for coverage starting in January, with the final "hard" deadline for February or March coverage staying where it is. In other cases they were never allowing Open Enrollment start dates past January to begin with, so it's the hard deadline which is being extended.

In any event, here's this year's batch of announcements; note that this list could grow longer over the next week or two:

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