Tuesday, November 1st is the start of the official 2023 #ACA Open Enrollment Period (OEP) for anyone who needs quality, affordable healthcare coverage.

The 2023 OEP is the best ever for the ACA for several reasons:

  • Second, because several states are either expanding or retooling their own state-based subsidy programs to make ACA plans even more affordable for their enrollees;

There's also expanded carrier & plan offerings in many states/counties, and as always, millions of people will be eligible for zero premium comprehensive major medical policies.

If you've never enrolled in an ACA healthcare policy before, or if you looked into it a few years back but weren't impressed, please give it another shot now. Thanks to these major improvements it's a whole different ballgame.

Here's thirteen important things to know when you #GetCovered for 2023:

Access Health CT Logo

Via Access Health CT's News/Press Releases page:

Stats as of December 2, 2022

Qualified Health Plans (QHP):

  • QHP Enrollment In 2023 Coverage: 89,975
  • 2022 OE Acquisition Summary: 6,994

Medicaid:

  • Completed applications/ redeterminations processed through the integrated eligibility system: 10,530

I've never been entirely sure what the "Acquisition Summary" figure refers to, but I've confirmed that it's already included in the larger number.

Gold/Silver

via Amy Lotven of Inside Health Policy:

Advocates To CMS: Fix Rate Misalignment In Next Exchange Reg

A coalition of patient advocates is urging HHS to address high out-of-pocket costs by demanding that insurers selling marketplace coverage strictly adhere to the Affordable Care Act’s rate-setting requirements. Insurers have strayed from the mandate in recent years by underpricing silver-tier plans and overpricing the more-generous gold-level products, the advocates say, highlighting an issue that experts have been raising for years and that some states are already addressing at the local level.

But health experts also say that HHS must fix misalignments in the risk adjustment program - and that exchanges must have strong consumer decision support tools -for a policy fix to be sustainable.

By clarifying and enforcing the ACA’s single risk pool requirement, HHS could significantly reduce consumers’ cost-sharing burdens while also discouraging gaming, the advocates say.

MNsure Logo

via MNsure, Minnesota's ACA exchange (via email for now):

More Minnesotans can access discounts and find less expensive plans through MNsure

ST. PAUL, Minn.—During MNsure’s open enrollment period happening now, thousands of Minnesotans who haven’t been able to access premium tax credits in the past are newly eligible for these discounts and can shop for more affordable 2023 health coverage through MNsure, where Minnesotans choose medical and dental insurance, thanks to the ‘family glitch’ fix.

In the past, a family’s eligibility for tax credits from MNsure depended on whether their job-based coverage was affordable for the employee, no matter how much it cost to cover the whole family. This meant some family members fell into the ‘family glitch’: that is, they were ineligible for Affordable Care Act subsidies even though they need them to afford quality coverage. Because they couldn’t access these important tax credits, many families in this situation have been paying more for coverage and some have been going without health insurance entirely.

New Jersey

via the NJ Dept. of Banking & Insurance:

Department Releases Study and Begins Rulemaking Process to Require Health Benefit Plans Cover Abortion Services Without Exceptions that Limit Coverage; Requests that Insurers Implement Change for 2023

TRENTON — The New Jersey Department of Banking and Insurance today announced that it has released a study on access to comprehensive reproductive health care that found a need for regulatory action to require coverage for abortion services under health benefits plans regulated by the department, and has begun the formal rulemaking process to implement the requirement. The department performed this study as part of the implementation of the historic Freedom of Reproductive Choice Act signed by Governor Phil Murphy earlier this year, which codifies the constitutional right to freedom of reproductive choice in New Jersey.  

BeWellNM Logo

via BeWell NM, New Mexico's ACA exchange:

2023 Open Enrollment Report

This report provides a summary of information for week one of the beWellnm health insurance individual Marketplace Open Enrollment Period for plan year 2023 (OEP 2023). The report contains data from the beWellnm eligibility and enrollment platform for OEP 2023, and includes an overview of the following:

  • plan selections
  • new enrollees
  • enrollees renewing coverage
  • Customer Engagement Center call volumes
  • website traffic

Enrollment

This section contains enrollment data through November 26, 2022.

1. Total Plan Selections (net): Count of unique individuals who have selected a Plan Year (PY) 2023 Marketplace medical plan. Count includes all new and re-enrolling consumers (defined in Indicators 2 and 3), regardless of whether the consumer has paid the first month premium. Count does not include plans that were canceled or terminated.: 34,518

Cover ME Logo

via CoverME.gov, Maine's new state-based ACA exchange:

Plan Selection Snapshot

The Maine Department of Health and Human Services (DHHS) Office of the Health Insurance Marketplace (OHIM) will release biweekly updates on plan selections through CoverME.gov, Maine’s Health Insurance Marketplace.  

Plan selections provide a snapshot of activity by new and returning consumers who have selected a plan for 2023. “Plan selections” become “enrollments” once consumers have paid their first monthly premium to begin insurance. These numbers are subject to change as consumers may modify or cancel plans after their initial selection.   

The deadline to select a plan for coverage beginning January 1, 2023 is December 15, 2022. Consumers who select a plan after that date will have coverage beginning February 1, 2023. 

CoverME.gov Activity Through November 26th, 2022 

Connect for Health Colorado Logo

via Connect for Health Colorado:

DENVER— Since November 1, more than 57,500 people have used Connect for Health Colorado’s marketplace to enroll in a health insurance plan. That’s 7,000 enrollments ahead of the same time period last year. Approximately 78 percent of those who have enrolled so far are qualifying for financial help that reduces the cost of plans.

Connect for Health Colorado’s Chief Executive Officer, Kevin Patterson, released the following statement:

“I’m so pleased that people are getting covered early in the enrollment period and that we’re continuing to see enrollment growth year over year. That tells me that our marketplace is giving people the options they’re looking for, at prices that are within their budget. For those who are waiting to sign up, I urge that you make an appointment with an enrollment specialist and enroll by December 15 to begin the new year with peace of mind.”

Important Dates

Maryland Health Connection

via Maryland Health Connection:

Set a Goal: Enroll Statewide Events Dec. 3-15 Feature Extended Hours

BALTIMORE (Nov. 29, 2022) — Maryland Health Connection will have trained experts to help Marylanders understand their options and enroll in a health plan for 2023 at upcoming statewide events. Shoppers can take advantage of free assistance at a local Set a Goal: Enroll event. Help is also available virtually or by phone with weekend and extended hours.

Last year, the average Maryland Health Connection customer buying private health insurance saved $289 a month on their monthly premium. Many Marylanders ages 18-34 can get special discounts for 2023 health plans — on top of other savings available through Maryland Health Connection.

“We are pleased that our navigators, who are so knowledgeable and helpful, are providing extra help in December to help Marylanders choose and enroll in a private health plan for the new year,” said Michele Eberle, executive director of the Maryland Health Benefit Exchange.

Access Health CT Logo

via Access Health CT:

HARTFORD, Conn. (Nov. 29, 2022) — Access Health CT (AHCT) today announced it will host nine enrollment fairs in December to help Connecticut residents shop, compare and enroll or renew their health coverage during the current Open Enrollment period. Enrollment fairs offer free, in-person help from enrollment specialists and will take place in Branford, Bridgeport, Bristol, Danbury, Middletown, New Britain, Norwich, Torrington and West Hartford.

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