GetCovered

Aside from Health Sherpa's announcement the other day that they enrolled over 3x as many people in ACA exchange plans in the first week of the COVID Special Enrollment Period than they normally would via traditional SEPs during the same time period, there's been no hard COVID SEP data released...until now. Via the Washington HealthPlan Finder:

Special Enrollment Period for Health Coverage Now Available

  • Currently uninsured or those seeking new coverage can enroll today on Washington HealthplanfinderOLYMPIA, Wash.

Washington Healthplanfinder is now offering a special enrollment period for Washingtonians who are currently uninsured or seeking new coverage. This special enrollment period, in response to the current public health emergency, opened Feb. 15 and runs for 90 days, ending May 15, 2021.

A couple of weeks ago I reported that the Washington Healthplan Finder was the one of the first state-based ACA exchanges to announce their own COVID19 Special Enrollment Period to coincide with the federal one being launched via HealthCare.Gov.

At the time, I wrote:

Washington State's appears to be for anyone who'd otherwise be eligible during Open Enrollment, which amounts to the same thing as full Open Enrollment. That means even those who are already enrolled in an ACA exchange plan will be able to switch to a different plan mid-year.

Well, so much for that; the Washington Health Benefit Exchange has issued a new press release ahead of the February 15th COVID SEP launch clarifying who's eligible and who isn't:

New Special Enrollment Period for Health Coverage Opens February 15

via the Washington Health Benefit Exchange:

Washington Health Benefit Exchange (Exchange) announced today it will open a special enrollment period that parallels the new federal enrollment period which runs from Feb. 15 through May 15, 2021.

“Having health insurance is critically important in these challenging times of COVID,” said Chief Executive Officer Pam MacEwan. “Opening a corresponding special enrollment period in our state gives more uninsured Washingtonians the chance to get needed coverage for 2021.”

The special enrollment period will apply to anyone seeking health insurance coverage. Individuals shopping for coverage during this special enrollment period that select coverage by the 15th of the month will begin receiving coverage the first of the following month.

via the Washington Health Benefit Exchange:

2021 Open Enrollment for Health Coverage Ends This Friday

  • Act before midnight, Jan. 15, to secure health insurance for this year

Washington Healthplanfinder is alerting all Washingtonians still seeking health insurance that they have until midnight, Jan. 15, to select a health and dental plan for the upcoming 2021 plan year. Coverage for those who enroll before the deadline will start Feb. 1.

“This is the last call for any individuals and families who have not signed up for a health and dental plan,” said Chief Executive Officer Pam MacEwan. “With only a few hours remaining before the deadline, people that still need 2021 coverage should sign up before it is too late.”

via the Nevada Health Link:

COVID-19 treatment, diagnosis and vaccines included in all Nevada Health Link plans

  • Open Enrollment ends at 11:59 p.m. Jan. 15, 2021 – three more days remaining

(CARSON CITY, NV) – With only three days remaining in Open Enrollment for 2021 health coverage, Nevada Health Link, the online health insurance marketplace operated by the state agency, the Silver State Health Insurance Exchange (Exchange), reminds Nevadans that all plans include access to COVID-19 related diagnosis and treatment, including COVID-19 vaccines when they become available.

via the Washington Health Benefit Exchange:

Last Days before Washington Healthplanfinder Open Enrollment Deadline

With the Jan. 15 deadline looming, Washingtonians still seeking 2021 health coverage must act now to select a plan on Washington Healthplanfinder. Customers have less than three days to shop for coverage that begins Feb. 1.

Traffic on Washington Healthplanfinder continues to be brisk this week as customers rush ahead of Friday’s deadline. So far, over 218,000 Washingtonians have signed up for 2021 coverage, including more than 40,000 new customers.

“The surge of enrollees securing health and dental coverage has been steady and shows the impact that the pandemic has had on our state,” said Chief Executive Officer Pam MacEwan. “There is limited time left for those who still haven’t enrolled in coverage and I encourage them to review their options on Washington Healthplanfinder.”

via the Washington Health Benefit Exchange:

Record number of Washingtonians secured health insurance coverage through Washington Healthplanfinder in 2020

In a year defined by a health crisis, 2020 saw more than two million Washingtonians enrolled in Washington Apple Health (Medicaid) and Qualified Health Plans. This is a new record high number of individuals and families obtaining health coverage through Washington Healthplanfinder, the online portal administered by the Washington Health Benefit Exchange (Exchange). Over 1 in 4 Washingtonians are using Washington Healthplanfinder to find and enroll in health coverage. Open enrollment for 2021 coverage runs through Jan. 15 of this year with coverage starting Feb. 1.

Approximately two million residents received free or low-cost Apple Health coverage, and the remaining 215,000 enrolled in Qualified Health Plans. This past December saw an average of 1,500 individuals a day enrolled in Apple Health.

Back on December 16th, Washington State's ACA exchange, the WA Healthplan Finder, reported that they had enrolled 210,000 state residents in 2021 on-exchange individual market policies. With a month left to #GetCovered (WA's Open Enrollment Period (OEP) doesn't end until 1/15), this means the state is very likely to surpass last year's Open Enrollment total of just over 212,000 people.

via the Nevada Health Link:

Nevada Health Link, the online health insurance marketplace operated by the Silver State Health Insurance Exchange (Exchange), reminds Nevadans that Open Enrollment for a comprehensive, Affordable Care Act (ACA) compliant health plan for 2021 ends on Jan. 15, 2021.

As of Jan. 3, 77,900 Nevadans have enrolled to date. That exceeds last year’s enrollment total by nearly 500, and the number is expected to increase with a typical surge prior to the end of Open Enrollment on Jan. 15.

Nevada Health Link is the only place consumers can qualify for subsidies to help offset the cost of monthly premiums, and four out of five Nevadans who purchase a plan on Nevada Health Link qualify for financial assistance (tax credits).

All plans offered through the Exchange cover the ten essential health benefits including pre-existing conditions and all COVID-19-related diagnosis and treatment. Consumers who enroll on or before Jan. 15 will have coverage effective on Feb. 1, 2021.

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.”

via the Washington Health Benefit Exchange:

Washington Healthplanfinder Urges Customers to Act Now for Jan. 1 Health Coverage

  • People need to enroll in their desired 2021 health plan by midnight, Tuesday Dec. 15

Washington Healthplanfinder is urging individuals needing 2021 health and dental coverage beginning Jan. 1 that they have less than 36 hours to take action and sign up. Customers wanting coverage that starts Jan.1 must select a plan through Washington Healthplanfinder by 11:59 p.m. this Tuesday, Dec. 15.

“For those who have left this decision to the last minute, now is the time to sign up for 2021 health and dental coverage,” said the Exchange Chief Executive Officer Pam MacEwan. “There are plenty of resources available to help people understand their options and secure health insurance coverage.”

via the Nevada Health Link:

While most of the country’s Exchanges prepare to conclude their Open Enrollment Periods, Nevada Health Link remains open through January 15, 2021 to purchase 2021 coverage

  • Nevadans have 30 more days to get covered Nearly 72,000 Nevadans have enrolled to date

Carson City, Nev. – While most of the country prepares to conclude their open enrollment periods s this week on Dec. 15, Nevadans have an additional 30 days to enroll in health insurance coverage for 2021. Now through Jan. 15, 2021, Nevada Health Link, the online health insurance marketplace operated by the Silver State Health Insurance Exchange (Exchange), remains open and available for Nevadans to purchase comprehensive, Affordable Care Act (ACA) compliant health plans for 2021. As a State Based Exchange (SBE), Nevada Health Link makes its own decisions and is autonomous from the federal marketplace – HealthCare.gov – therefore allowing for an extended Open Enrollment Period (OEP), which is one of the many advantages to operating as a SBE.

via the Washington Health Benefit Exchange:

Over 200,000 have signed up for health coverage; Get covered by December 15 on Washington Healthplanfinder

  • Beat the rush by signing up today on Get Covered Day #GetCovered2021

OLYMPIA, Wash. -- As sign ups continue to increase, Washington Healthplanfinder reminds individuals today, Get Covered Day, to visit WA HealthPlan Finder to secure their health and dental coverage by Dec. 15 to ensure a start date of Jan. 1, 2021.

As of Dec. 10, over 200,000 Washingtonians have signed up for 2021 coverage, 5% more than last year at this time, and one person every 17 seconds. Among the 20,000 new customers, over 40% have selected a new Cascade Care plan. These new plans offer deductibles that are on average $1,000 less than other plans, and cover more services prior to meeting a deductible, including primary care visits, mental health services, and generic drugs.

via the Nevada Health Link:

Nevada Health Link reminds Nevadans there are 45 days remaining to secure health insurance for 2021 coverage

Nevadans have until Dec. 31 to enroll in a Qualified Health Plan effective Jan. 1, 2021

Nevada Health Link, the online health insurance marketplace operated by the Silver State Health Insurance Exchange (Exchange), reminds Nevadans that Open Enrollment for a comprehensive, Affordable Care Act (ACA) compliant health plan for 2021 ends on Jan. 15, 2021. All plans offered through the Exchange cover the ten essential health benefits including pre-existing conditions and all COVID-19-related diagnosis and treatment. Consumers should know they must enroll in a plan by Dec. 31, 2020 to have health coverage effective Jan. 1, 2021. Anyone who enrolls between Jan. 1 and Jan. 15 will have coverage effective Feb. 1, 2021.

via MNsure, Minnesota's ACA exchange:

MNsure Open Enrollment Runs Through December 22

November 18, 2020

FOR IMMEDIATE RELEASE

ST. PAUL, Minn.—Since the start of MNsure's open enrollment period on November 1, nearly 102,000 Minnesotans have signed up for 2021 private health insurance coverage – approximately 10% more than this time last year.

MNsure's open enrollment period runs until December 22, 2020, a week longer than the federal open enrollment period.

“Every Minnesotan should have the peace of mind that comes with knowing you've got comprehensive health coverage, especially during the COVID-19 pandemic,” said MNsure CEO Nate Clark. “You can sign up through MNsure.org through December 22 for coverage beginning January 1, 2021. Don’t delay. Contact a MNsure-certified assister who can walk you through the enrollment process.”

via the Washington Health Benefit Exchange:

Health Insurance Coverage is More Important Than Ever – In Person Help Still Available during New Statewide Restrictions

The 2021 open enrollment period is underway, and Washingtonians are now signing up for health plans, including in new Cascade Care health plans. After months of a global pandemic – needs have changed due to job loss, or working from home, or family income changes. Individuals seeking health coverage can now shop more options this year, along with financial assistance, by visiting Washington Healthplanfinder to sign up for health and dental coverage.

“With infection rates climbing and economic uncertainty across Washington state, now is the time to sign up for health coverage,” said Chief Executive Officer Pam MacEwan. “There are many resources available to help individuals understand their options.” 

The Washington ACA exchange has reported their initial numbers, and like Connecticut, the top figure is a bit misleading: 182,000 Washingtonians enrolled in the first four days!...except that, again, 99% of these are current exchange enrollees having their auto-renewals front-loaded:

Washington Healthplanfinder reminds Washingtonians that open enrollment has started, encouraging those seeking health coverage to visit WAhealthplanfinder.org to shop, choose, and save on health and dental coverage.

“Our focus remains on encouraging customers to review their options and sign up for coverage that meets their needs,” said Exchange Chief Executive Officer, Pam MacEwan. “The 2021 open enrollment period has begun, and residents should use this opportunity to access coverage that will last them all year.”

This is kind of interesting. It looks like the Nevada Health Link (NV's state-based ACA exchange) is offering something new this year:

Nevada Health Link connects consumers to VSP Individual Vision Plans, in time for Open Enrollment 2021

Carson City, Nev. – The Silver State Health Insurance Exchange (Exchange), the state agency that connects Nevadans to Qualified Health Plans (QHPs) through the online State Based Exchange (SBE), known as Nevada Health Link, announces a partnership with VSP® Individual Vision Plans, an offering of VSP Vision Care, the only national not-for-profit vision benefits company.

The Open Enrollment Period for 2021 insurance plans runs from Nov. 1, 2020 through Jan. 15, 2021. Health plans offered through Nevada Health Link are ideal for Nevadans who don’t qualify for Medicare or Medicaid but still need financial assistance; those who don’t have employee-sponsored health insurance, including independent contractors and gig workers; and anyone seeking comprehensive, quality and affordable plans.

Back in April, in the midst of the earlier stages of the COVID-19 pandemic sweeping through much of the nation, there was a loud outcry for the various ACA health insurance exchanges, including the federal exchange at HealthCare.Gov which hosts enrollment for over 3 dozen states, to re-open enrollment to anyone who missed the official Open Enrollment Period which had ended several months earlier.

Eventually, twelve of the thirteen state-based exchanges did just that, launching COVID-19-specific Special Enrollment Periods of varying time periods for any resident who would normally be eligible to enroll during Open Enrollment to do so. Many of those SBEs would go on to extend the deadlines of their SEPs by a month...or two months...or even more. As of this writing, in fact, California, Maryland, New York and the District of Columbia are are still offering "open" COVID-19 SEPs.

via Nevada Health Link:

Silver State Health Insurance Exchange enrolls 5,479 during Exceptional Circumstance Special Enrollment Period in Response to COVID-19

Carson City, Nev. – The Silver State Health Insurance Exchange (Exchange), Nevada’s state agency that helps individuals secure budget-appropriate health coverage through the online marketplace and State Based Exchange (SBE) platform, Nevada Health Link, enrolled 6,017 Nevadans during its limited-time Exceptional Circumstance Special Enrollment Period (SEP), March 17 – May 15, including 5,479 new consumer enrollments related to the Exceptional Circumstance Special Enrollment Period, and 538 enrollments due to loss of Minimum Essential Coverage (MEC).

In response to Governor Sisolak’s March 12 Emergency Declaration, the SEP was opened to allow qualified Nevadans who missed OEP to secure health care coverage. Consumers who enrolled on or before April 30 received coverage effective May 1, and consumers who enrolled between May 1 and 15 will have coverage effective June 1, 2020.

via Nevada Health Link:

10 days remain to enroll in a Qualified Health Plan through Nevada Health Link during the Exceptional Circumstance Special Enrollment Period

WHAT: Nevadans have 10 days remaining to enroll in a Qualified Health Plan through Nevada Health Link, the online health insurance marketplace operated by the state agency, the Silver State Health Insurance Exchange (Exchange), which announced an Exceptional Circumstance Special Enrollment Period (SEP) in March for qualified Nevadans who missed the Open Enrollment Period (OEP). The SEP, originally introduced in response to Governor Sisolak’s March 12th Emergency Declaration, runs through May 15. Consumers who enroll by May 15 will have coverage effective June 1, 2020.

I've been making a LOT of fuss lately about how important it is for CMS Administrator Seema Verma to give the green light to an official "Open" COVID-19 Special Enrollment Period (SEP) via the federal ACA exchange (HealthCare.Gov). Last week I projected that if every state were to offer a full 60-day "open" SEP ("open" means that any uninsured U.S. citizen or eligible documented resident could sign up without requiring a Qualifying Life Event), somewhere between 2.5 - 3.3 million Americans would likely enroll during that 2-month period.

Of that number, I projected that around 1.8 - 2.3 million additional people would likely reside in the 38 states hosted by HealthCare.Gov, with the remainder living in the 12 states which are offering COVID-specific SEPs (although the deadlines in those states vary, and some do require enrollees to jump through at least minimal hoops to enroll).

For over a month now, I (and many, many others) have been pleading with HHS Secretary Alex Azar, CMS Administrator Seema Verma and CMS itself to launch a formal, "open" COVID-19 specific Special Enrollment Period for the millions of people living in the 38 states hosted by HealthCare.Gov who are uninsured but who don't qualify for Medicaid, CHIP or other "year-round enrollment" programs such as the Essential Plan in New York, MinnesotaCare in Minnesota or ConnectorCare in Massachusetts. Even the insurance industry--which normally hates letting people enroll at any time outside of the official Open Enrollment Period--has been calling for them to do so.

Yesterday I ran an exclusive analysis based on existing COVID-19 Special Enrollment Period (SEP) data to figure out a) roughly how many Americans are likely to enroll in ACA exchange coverage using this SEP in the twelve states offering one, and b) how many additional Americans would likely #GetCovered via ACA exchange policies in the other 39 states which don't currently have a CV19 SEP in place.

As I've explained before, while pretty much anyone who loses their employer-based health insurance is automatically eligible for a normal 60-day Special Enrollment Period regardless of what state they live in, under the current pandemic/mass layoff situation, the standard "loss of coverage" SEP is a red tape nightmare under Trump Administration regulations since you have to provide hard-to-get documentation of your status and have it verified by CMS, which can take weeks.

4/16/20: Important Update at bottom!

With all the anger at CMS Administrator Seema Verma, HHS Secretary Alex Azar and of course Donald Trump himself over CMS's refusal (to date) to open up a COVID-19 specific Special Enrollment Period on the federal ACA exchange (HealthCare.Gov), last week I decided to try and figure out just how many people are enrolling across the 12 state-based exchanges which are offering CV19 SEPs...and just as importantly, how many people would likely take advantage of a CV19-specific SEP on the federal exchange if and when they ever decide to go ahead and launch one.

As I expected, the Nevada Health Link board just extended their existing #COVID19 Special Enrollment Period deadline out until May 15th:

The @NVHealthLink Board of Directors just approved of an extension to our Exceptional Circumstance Special Enrollment Period through May 15, 2020. If you or anyone you know needs insurance NOW is the time to get connected - https://t.co/7szDKShOd7 or call us at 1-800-547-2927 pic.twitter.com/Jlbpm2QXEw

— Heather K. (@HKORB) April 13, 2020

Silver State Health Insurance Exchange Extends Exceptional Circumstance Special Enrollment Period on Nevada Health Link

UPDATE 4/13: As I expected, the Nevada Health Link board just extended their existing #COVID19 Special Enrollment Period deadline out until May 15th:

The @NVHealthLink Board of Directors just approved of an extension to our Exceptional Circumstance Special Enrollment Period through May 15, 2020. If you or anyone you know needs insurance NOW is the time to get connected - https://t.co/7szDKShOd7 or call us at 1-800-547-2927 pic.twitter.com/Jlbpm2QXEw

— Heather K. (@HKORB) April 13, 2020

ORIGINAL STORY:

As I expected, Nevada Health Link is onboard as well:

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.

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.

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