SEPs

Back on March 10th, the Washington HealthPlanFinder became the first state-based ACA exchange/marketplace to formally create an official COVID-19 Special Enrollment Period, which was originally scheduled to have a deadline of April 8th.

Since that time, nearly every other state-based ACA exchange (all of them except for Idaho) has done likewise. Some of them required some sort of verbal or written attestation of thier eligibility status, while others didn't, but all of them were wide open to any uninsured resident who would normally be eligible to enroll during the official Open Enrollment Period.

The deadlines for the "open" COVID-19 SEP varied by state...but most of them ended up extending them out as that deadline approached. In some cases, they bumped it out again...and again...and yet again, as it became increasingly clear that the deadly pandemic isn't going away anytime soon.

via the Maryland Health Benefit Exchange:

NEARLY 58,000 MARYLANDERS GAIN HEALTH COVERAGE DURING TWO SPECIAL ENROLLMENT PERIODS

BALTIMORE, MD – A total of nearly 58,000 Marylanders enrolled in health coverage during Maryland Health Connection’s two special enrollment periods that began in February and March and ended Wednesday, July 15.

The Maryland Health Insurance Easy Enrollment program launched Feb. 26 as the first of its kind in the nation. The Comptroller of Maryland asked state tax filers to check a box on their state tax return if they lacked health insurance and desired that information to be shared with the Maryland Health Benefit Exchange. Several states are in the process of looking at creating similar programs.

Since February:

  • More than 41,000 filers checked the box
  • More than 3,700 enrolled as of July 13

Final numbers are pending, because tax filers had until the July 15 tax filing deadline to check the box on their state tax form, and will have several weeks to enroll.

Hardly surprising...again.

via the New York State government website:

Special Enrollment for Uninsured New Yorkers Will Extend for Additional 30 days and Remain Open Through August 15, 2020

Governor Andrew M. Cuomo today announced that the Special Enrollment Period for uninsured New Yorkers will be extended for another 30 days, through August 15, 2020, as the State continues to provide supportive services during the COVID-19 public health crisis. New Yorkers can apply for coverage through NY State of Health, New York State's health insurance marketplace, or directly through insurers.

via the Maryland Health Benefit Exchange:

TWO SPECIAL ENROLLMENT PERIODS FOR HEALTH INSURANCE END JULY 15

  • Nearl​y 53,000 r​esidents have enrolled since mid-March

BALTIMORE, MD – The Maryland Health Benefit Exchange announced it is entering the final week for Marylanders to enroll in health insurance coverage through the Coronavirus Emergency Special Enrollment Period and the Easy Enrollment Health Insurance Program. Maryland made the decision to re-open the Coronavirus Emergency Special Enrollment Period and extend the deadline in an effort to give more residents the opportunity to enroll. Both are set to end on July 15.

The deadline extension for the Coronavirus Special Enrollment Period comes as more than 49,000 residents have received coverage during this special enrollment period that began in March with Gov. Larry Hogan’s announcement of a State of Emergency in Maryland. Even before this extension, Maryland already offered one of the longest special enrollment periods in the country since the emergency began.

The big story with COVID-19 the past few weeks has been, of course, the out-of-control increase in new cases (if not actual deaths...yet) from the virus in red states like Texas, Florida and especially Arizona which were relatively unscathed throughout the spring while the pandemic was raging across Northeastern blue states like New York, New Jersey and Rhode Island, as well as Michigan and California.

While most of the states being hit with the summer wave are historically Republican strongholds (the states being hit hardest in June/July also include Georgia, Arkansas, South Carolina, etc.), there's one important exception to this: California, which was hit early but which clamped down fairly quickly, has re-emerged as a major hot spot. So what gives?

via MNsure (this was actually posted a couple of weeks ago but I missed it):

ST. PAUL, Minn.—99,688 Minnesotans have come to MNsure.org and enrolled in private health insurance through a special enrollment period (SEP) or received eligibility for a public assistance program (Medical Assistance or MinnesotaCare) since March 1. As expected, sign-ups across all programs have been driven by concerns amid the pandemic.

"It’s never been more important to know you’re covered. That’s why we are so glad to have been able to help almost 100,000 Minnesotans gain access to comprehensive health care coverage," said CEO Nate Clark. "But we know there are others out there who are currently uninsured and may qualify to sign up. If you’ve recently lost your employer-sponsored health insurance, had an income change, or have another qualifying life event, come to MNsure.org to see if you’re eligible."

For the past few months, I've been keeping track, to the best of my ability, of how many people have been enrolling in ACA exchange policies utilizing the COVID-19-specific Special Enrollment Periods which have been offered by 12 of the 13 state-based exchanges (SBEs). My most recent update brings the grand total of confirmed SEP enrollments to at least 260,000 across 8 states, averaging around 3,500 per day.

The actual number is obviously higher than this, of course, since I don't have any data from the other four state exchanges (DC, New York, Rhode Island and Vermont), although three of those four are pretty small anyway...and even in New York, their unique "Essential Plan" (the Basic Health Plan program established under the ACA itself) has likely been sucking up the bulk of individual market enrollees earning up to 200% FPL anyway...and you can enroll in the Essential Plan year-round regardless of the pandemic. I therefore doubt that NY's COVID SEP numbers for those earning more than 200% FPL are that dramatic. All told, I'd expect NY, RI, VT & DC to only add perhaps another 25,000 or so QHP enrollees to the table below:

Hardly surprising at this point, but still important to note:

Health Connector extends enrollment an additional month to July 23rd for uninsured individuals

On June 22, 2020, the Health Connector announced in an Administrative Bulletin an extension to the special enrollment period in response to the coronavirus (COVID-19) emergency through July 23, 2020 to assist uninsured Massachusetts residents seeking health coverage. (The extended enrollment period was previously set to end June 23.)

If you need to apply for coverage, you can start by creating an application.

If you apply coverage under this special enrollment, the deadlines to complete enrollment are as follows:

On April 14th, Covered California reported that 58,000 residents had enrolled in ACA exchange coverage during their COVID-19 Special Enrollment Period, of which roughly 20,000 did so via standard SEPs (losing coverage, moving, getting married/divorced, etc), while an additional 38,000 took advantage of the COVID-specific SEP.

On April 28th, they announced that the number was up to 84,000 new ACA exchange enrollees, averaging around 2.5x as many as enrolled via standard Special Enrollment Periods during the same period a year ago.

On May 20th, they announced the total was up to 123,000 new ACA exchange enrollees via the COVID SEP, "nearly" 2.5x the rate of a year before.

Not terribly surprising news; via the Maryland Health Benefit Exchange:

CORONAVIRUS EMERGENCY SPECIAL ENROLLMENT PERIOD DEADLINE EXTENDED TO JULY 15

  • More than 43,000 have enrolled since mid-March

The Maryland Health Benefit Exchange announced today that it has extended the deadline of its Coronavirus Emergency Special Enrollment Period so that uninsured residents will have until July 15 to enroll in health coverage through Maryland Health Connection, the state’s health insurance marketplace.

The deadline extension comes as more than 43,000 residents have received coverage during this special enrollment period that began in March with Gov. Larry Hogan’s announcement of a State of Emergency in Maryland. Even before this extension, Maryland already offered one of the longest special enrollment periods in the country since the emergency began.

Back in April, I noted that the DC Health Link ACA exchange had announced what appeared to be a special enrollment period specifically intended for employees of small businesses via the ACA's SHOP program, through September 15th, 2020:

DC Health Link Expands Opportunities to Get Covered During Public Health Emergency

Monday, April 6, 2020

Responding to COVID-19 pandemic, DC Health Link permits uninsured employees of DC small businesses that offer health insurance through DC Health Link to get covered now

On March 20th, the Vermont Health Connect ACA exchange joined other state-based exchanges in launching a formal COVID-19 Special Enrollment Period.

On April 15th, just ahead of the original SEP deadline, they bumped it out by a month:

Due to the COVID-19 emergency, Vermont Health Connect has opened a Special Enrollment Period until May 15, 2020. During this time, any uninsured Vermonter can sign up for a Qualified Health Plan through Vermont Health Connect. Qualified families can also get financial help paying for coverage.. Please call us at 1-855-899-9600 to learn more.

Then, with the May deadline approaching, I took a look and sure enough, they've bumped it out another month:

On March 16th, New York's ACA exchange, NY State of Health, announced that they'd be launching a COVID-19 Special Enrollment Period with a deadline of April 15th. As that date approached, in the middle of the worst pandemic to hit New York State 100 years, the deadline was extended out by a month, through May 15th.

When that deadline approached, NY Governor Andrew Cuomo ordered the COVID-19 SEP to be bumped out by another month.

And now, with the June 15th deadline having come and gone, lo and behold:

Governor Andrew M. Cuomo today announced low-risk youth sports for regions in phase three of reopening can begin on July 6th with up to two spectators allowed per child. 

On April 14th, Covered California reported that 58,000 residents had enrolled in ACA exchange coverage during their COVID-19 Special Enrollment Period, of which roughly 20,000 did so via standard SEPs (losing coverage, moving, getting married/divorced, etc), while an additional 38,000 took advantage of the COVID-specific SEP.

On April 28th, they announced that the number was up to 84,000 new ACA exchange enrollees, averaging around 2.5x as many as enrolled via standard Special Enrollment Periods during the same period a year ago.

On May 20th, they announced the total was up to 123,000 new ACA exchange enrollees via the COVID SEP, "nearly" 2.5x the rate of a year before.

via the Maryland Health Benefit Exchange:

NEARLY 40,000 MARYLANDERS HAVE ENROLLED DURING CORONAVIRUS EMERGENCY SPECIAL ENROLLMENT PERIOD

  • Less than a week left for uninsured residents to get marketplace coverage

BALTIMORE, MD – The Maryland Health Benefit Exchange today is urging uninsured Marylanders to enroll in coverage before the June 15 deadline through the state’s health insurance marketplace, Maryland Health Connection, under the Coronavirus Emergency Special Enrollment Period. To date, nearly 40,000 residents have received health coverage during this special enrollment period that began in March with Gov. Larry Hogan’s announcement of a State of Emergency in Maryland.

Pages