New York

One more reminder from the New York State of Health ACA exchange:

Press Release: NY State of Health Urges New Yorkers: Don’t Miss this Opportunity to Enroll in Health Coverage!

  • Open Enrollment Ends February 7
  • Thousands of Free, In-Person Assistors Available to Help Consumers

ALBANY, N.Y. (February 5, 2020) – NY State of Health, the state’s official health plan Marketplace, is encouraging New Yorkers who need health coverage to enroll in a 2020 Qualified Health Plan (QHP) by this Friday, February 7. The Open Enrollment deadline was extended an additional week to give consumers more time to find the health plan that fits their needs and enroll in coverage for 2020. Already, enrollment through NY State of Health is at its highest point ever, with more than 4.8 million New Yorkers enrolled in a health plan.

New York State of Health is doing their best to calm people down as much as possible:

Fact Sheet:: What you Need to Know About the New Federal Public Charge Rule and Health Insurance

Updated 1/29/20

When does the new Public Charge rule go into effect?

  • The Supreme Court decided on January 27, 2020, to allow the rule to take effect.

Does enrolling in free or low-cost health insurance make me a Public Charge?

  • Most health insurance coverage is not a factor in the new Public Charge test. Only federally-funded Medicaid is included, and even for this program there are several exempt groups of people who are excluded under the rule, including pregnant women and children under 21. Additionally, asylees, refugees, and visa holders who are victims of trafficking and other crimes, among others, are entirely exempt from the Public Charge rule.

The following programs are not included in the Public Charge rule:

Last March I wrote an analysis of H.R.1868, the House Democrats bill that comprises the core of the larger H.R.1884 "ACA 2.0" bill. H.R.1884 includes a suite of about a dozen provisions to protect, repair and strengthen the ACA, but the House Dems also broke the larger piece of legislation down into a dozen smaller bills as well.

Some of these "mini-ACA 2.0" bills only make minor improvements to the law, or make improvements in ways which are important but would take a few years to see obvious results. Others, however, make huge improvements and would be immediately obvious, and of those, the single most dramatic and important one is H.R.1868.

The official title is the "Health Care Affordability Act of 2019", but I just call both it and H.R.1884 (the "Protecting Pre-Existing Conditions and Making Health Care More Affordable Act of 2019") by the much simpler and more accurate moniker "ACA 2.0".

Last March I wrote an analysis of H.R.1868, the House Democrats bill that comprises the core of the larger H.R.1884 "ACA 2.0" bill. H.R.1884 includes a suite of about a dozen provisions to protect, repair and strengthen the ACA, but the House Dems also broke the larger piece of legislation down into a dozen smaller bills as well.

Some of these "mini-ACA 2.0" bills only make minor improvements to the law, or make improvements in ways which are important but would take a few years to see obvious results. Others, however, make huge improvements and would be immediately obvious, and of those, the single most dramatic and important one is H.R.1868.

The official title is the "Health Care Affordability Act of 2019", but I just call both it and H.R.1884 (the "Protecting Pre-Existing Conditions and Making Health Care More Affordable Act of 2019") by the much simpler and more accurate moniker "ACA 2.0".

This just in from the New York State of Health ACA exchange:

Press Release: New Yorkers Have More Time to Get Covered in 2020: NY State of Health Open Enrollment Deadline Extended to February 7

  • Enroll Now for Affordable, High-Quality Health Coverage in 2020
  • Free, In-Person Enrollment Help is Available: Click Here to Find a NY State of Health Certified Assistor

ALBANY, N.Y. (January 28, 2020) – NY State of Health, the state’s official health plan Marketplace, announced that consumers will have an additional week to enroll in a Qualified Health Plan (QHP) for 2020. The Open Enrollment deadline has been extended until February 7 to give consumers more time to enroll. NY State of Health’s Customer Service Center representatives and in-person assistors are available to help individuals find the best plan for themselves and their families.

Huh. That's unexpected.

via New York State of Health:

Certified In-Person Assistors Provide Enrollment Opportunities at MLK Day Events Across the State Leading up to January 31 Enrollment Deadline

ALBANY, N.Y. (January 16, 2020) – NY State of Health, the State’s official health plan Marketplace, today announced participation in several Dr. Martin Luther King, Jr. Day events being held throughout the State. Certified In-Person Assistors will be at events celebrating the legacy of Dr. Martin Luther King, Jr. to ensure New Yorkers have access to high-quality, affordable health care and to answer questions regarding enrolling or re-enrolling through the Marketplace. All events are open to the public.

“We are excited to meet New Yorkers at events celebrating Dr. Martin Luther King, Jr. to help them find a quality, low-cost health plan during Open Enrollment,” said NY State of Health Executive Director Donna Frescatore. “Enrollment in a 2020 Qualified Health Plan runs through January 31, and our participation in these events offers New Yorkers another opportunity to complete the enrollment process.”

This just in from the New York State of Health ACA exchange:

More Than 200,000 New Yorkers Enroll in a Qualified Health Plan During First Forty-One Days of the 2020 Open Enrollment Period

  • December 15 is the Deadline to Enroll for January 1 Coverage

(ALBANY, N.Y.) December 12, 2019 - NY State of Health, the state’s official health plan Marketplace today announced that as of December 11, more than 200,000 consumers have enrolled in a 2020 Qualified Health Plan (QHP) through NY State of Health, the official health plan Marketplace, outpacing enrollment in a QHP at the same period last year by approximately 7,000 enrollees. Consumers must enroll or renew by December 15 for coverage beginning January 1, 2020.

Assistors Available On-Site at Winter Markets Across the State

ALBANY, N.Y. (December 3, 2019) – NY State of Health, the state’s official health plan Marketplace, today announced its continued partnership with NYS Department of Agriculture and Markets in an effort to educate shoppers at farmers markets throughout New York State about low-cost, high-quality health coverage during the Open Enrollment Period.

Consumers must enroll by December 15, 2019 for coverage beginning January 1, 2020. Certified Enrollment Assistors will be available leading up to the December 15 deadline at select markets to answer any questions about enrolling in a health plan through the Marketplace and to set up enrollment appointments. In addition, NY State of Health educational materials will be available at select farmers’ markets across the state. This is the fourth year of the NY State of Health-NYS Department of Agriculture and Markets partnership.

Smart idea via the NY State of Health ACA exchange:

Increased Visits to Food Pantries During Holiday Season Provide Opportunity to Reach Uninsured New Yorkers

ALBANY, N.Y. (November 25, 2019) – NY State of Health, the state's official health plan Marketplace, today announced its partnership with food pantries for the third holiday season to educate consumers about enrolling in high quality, affordable health insurance. Food pantries across New York will have certified enrollment assistors on-site throughout November and December to answer questions about health coverage options and how to enroll in a health plan. This year, the Marketplace is also offering eligible New Yorkers the option to receive information on the Supplemental Nutrition Assistance Program (SNAP) during the enrollment process.

Arrrrgh! Don't ask me why, but for some reason I forget about this weird policy of NY State of Health every year:

Press Release: NY State of Health Announces Annual Renewal Begins Saturday

  • 500,000 New York State Households Expected to Renew Their Health Plan for the 2020 Plan Year
  • Consumers Must Enroll or Renew by December 15 for Coverage Effective January 1

ALBANY, N.Y. (November 14, 2019) - NY State of Health, the state’s official health plan Marketplace, today announced that beginning November 16, the Marketplace will be open for individuals looking to renew or change their health plan for 2020. Open Enrollment for new customers seeking to enroll in a Qualified Health Plan began November 1 and runs through January 31, 2020.  New Yorkers must enroll by December 15 for coverage beginning January 1, 2020.

via NY State of Health:

Press Release: Governor Cuomo Announces the Start of NY State Of Health's 2020 Open Enrollment Period

  • New York's Uninsured Rate Continues to Decline, Among Lowest in the Nation
  • More than 4.8 Million New Yorkers Have Enrolled Through NY State of Health

Governor Andrew M. Cuomo today announced that on November 1, NY State of Health - New York State's Health Plan Marketplace and a national leader in enrolling people into quality, affordable health coverage - will begin its seventh annual open enrollment period for New Yorkers who want quality, low-cost health insurance coverage in 2020.

I'm not sure how this slipped by me, but in addition to Covered California already having launched their 2020 Open Enrollment Period yesterday, five other state-based ACA exchanges are already partly open as well. That is, you can shop around, compare prices on next year's health insurance policies and check and see what sort of financial assistance you may be eligible for:

I'm not sure when the other 7 state-based exchanges will launch their 2020 window shopping tools, nor do I know when HealthCare.Gov's window shopping will be open for the other 38 states, although I believe they usually do so about a week ahead of the official November 1st Open Enrollment Period launch date.

MLR rebate payments for 2018 are being sent out to enrollees even as I type this. The data for 2018 MLR rebates won't be officially posted for another month or so, but I've managed to acquire it early, and after a lot of number-crunching the data, I've recompiled it into an easy-to-read format.

But that's not all! In addition to the actual 2018 MLR rebates, I've gone one step further and have taken an early crack at trying to figure out what 2019 MLR rebates might end up looking like next year (for the Individual Market only). In order to do this, I had to make several very large assumptions:

Over the weekend, the New York Department of Financial Services issued a press release announcing approved 2020 ACA-compliant Individual and Small Group premium rate changes:

DFS ANNOUNCES 2020 PREMIUM RATES: LOWERS OVERALL REQUESTED RATES FOR INDIVIDUALS AND SMALL BUSINESSES TO PROTECT CONSUMERS AND FUEL A COMPETITIVE HEALTH INSURANCE MARKETPLACE

Back on May 31st, I reported that New York's Dept. of Financial Services had released the preliminary, requested premium rate hikes for the 2020 ACA individual and small group markets. At the time, the weighted average increase requested state-wide was around 8.4% (although I got 8.3% when I plugged the hard enrollment numbers into a spreadsheet).

For the small grouip market, NY DFS reported an average requested increase of 12.0%, although again, I only got 11.3% when I plugged in the numbers.

Yesterday, however, NY DFS became the third state (after Oregon and Virginia) to publicly release their approved 2020 premium changes...and like OR & VA, they've shaved a few points off the average rates:

DFS ANNOUNCES 2020 PREMIUM RATES: LOWERS OVERALL REQUESTED RATES FOR INDIVIDUALS AND SMALL BUSINESSES TO PROTECT CONSUMERS AND FUEL A COMPETITIVE HEALTH INSURANCE MARKETPLACE

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