OE8

via the Nevada Health Link...

Special Enrollment Period through Nevada Health Link begins February 15

  • Uninsured Nevadans will have 90 more days to enroll in a qualified health plan for 2021 coverage

Nevada Health Link, the online health insurance marketplace operated by the state agency, the Silver State Health Insurance Exchange (Exchange), begins its 90-day Special Enrollment Period (SEP) for uninsured Nevadans, starting February 15 through May 15, 2021. The SEP is in accordance with the Executive Order issued by President Biden last month, in response to the ongoing national health emergency presented by COVID-19.

(sigh) After seven years of doing this, you'd think I'd know better: I double-checked the Your Health Idaho website as recently as this morning and saw no announcement of a COVID-19 Special Enrollment Period...and yet look what just showed up in my inbox an hour ago...

Your Health Idaho Announces Special Enrollment Period for Uninsured Idahoans

  • Idaho’s Health Insurance Marketplace will Reopen March 1 

BOISE, Idaho – Your Health Idaho announced today that a Special Enrollment Period will be established from March 1 to March 31. During this time, any eligible uninsured Idahoan can sign up for health insurance coverage.

“As we approach the one-year mark of COVID-19 in Idaho, too many Idahoans are still uninsured and in need of coverage,” said Your Health Idaho Executive Director, Pat Kelly. “Reopening the marketplace and providing Idahoans with a path to comprehensive health insurance is simply the right thing to do.” 

With this announcement, Your Health Idaho joins all state-based marketplaces and the federal marketplace in offering a Special Enrollment Period as the effects of the pandemic continue to be felt across the country.

Five weeks ago the Maryland Health Connection announced they were re-opening ACA enrollment through March 15th in light of the ongoing COVID19 pandemic.

When the Biden Administration announced a few weeks later that the federal ACA exchange, HealthCare.Gov, was planning on re-opening enrollment across 36 states for a full 3 months (from Februay 15th - May 15th), however, I was pretty sure that it would only be a matter of time before most of the state-based exchanges matched up with that time window...and sure enough, via the MD Health Connection:

GOV. HOGAN ANNOUNCES EXTENSION OF STATE HEALTH INSURANCE SPECIAL ENROLLMENT PERIOD UNTIL MAY 15

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

With this press release from AccessHealth CT, 49 states +DC have now announced some sort of 2021 COVID-19 Enrollment Period:

ACCESS HEALTH CT ANNOUNCES A SPECIAL ENROLLMENT PERIOD FOR UNINSURED RESIDENTS DUE TO ONGOING PUBLIC HEALTH CRISIS

Vermont Health Connect

I just received confirmation from Vermont Health Connect that they're joining nearly every other state in offering an official COVID-19 Special Enrollment Period...with a few caveats:

Special Enrollment Period for Uninsured Vermonters Opens February 16, 2021

Waterbury, VT— In alignment with the Federal initiative, the State of Vermont is re-opening a special enrollment period on February 16, 2021 to offer Vermonters who do not currently have health insurance an opportunity to enroll in a qualified health plan and receive premium and cost-sharing assistance, if eligible. Intended to facilitate access to health insurance, the special enrollment period is being implemented in partnership with qualified health plan issuers, Blue Cross and Blue Shield of Vermont, MVP Health Care, and Northeast Delta Dental. To enroll, Vermonters should call the Customer Support Center at 1-855-899- 9600 Monday through Friday, 8:00AM – 4:30PM.

(updated 2/12/21 w/final approximate data from DC & VT)

With a 3-month COVID Enrollment Period about to launch in most states (and already ongoing in a few), this is another good point to take a look at how the official 2021 Open Enrollment Period went on a state-by-state basis.

Note that the table below still, frustratingly, only includes partial data for California and no data at all for New York or Rhode Island. I hope to have final data for several of these soon, but in the meantime this is the best I can do:

This Just In via NJ Governor Murphy and Get Covered New Jersey:

Governor Murphy Announces Health Insurance Signups In New Jersey Surpass Previous Two Years

  • Urges Residents to Get Covered During New COVID-19 Special Enrollment Period
  • 9.4% Increase in Plan Selections from 2020, Enrollment Remains Open Until May 15

TRENTON – Governor Phil Murphy today announced that health insurance signups through New Jersey’s new state-based marketplace surpassed the Open Enrollment Period for the previous two years in New Jersey. Plan selections for 2021 coverage increased 9.4 percent over last year’s Affordable Care Act Open Enrollment Period, as the state successfully expanded access to health coverage through its new state-based marketplace, Get Covered New Jersey, during its first open enrollment period.

Just over a month ago, I noticed that the Washington Healthplanfinder was touting the fairly impressive launch of their new "Cascade Care" healthcare plans overall (40% of new enrollees were choosing them!)...but that completely missing from all the praise was any breakout of how many were selecting the Public Option version of "Cascade Care"...likely for a very good reason:

Let's step back a moment: There's actually up to three types of policies being offered depending on the carrier:

  • Qualified Health Plans (QHPs)...these are the normal policies which comply with ACA regulations offered by most carriers.
  • Cascade (Standard)...these are QHPs which also follow another state law passed last year (see below), and
  • Cascade (Select)...these are Standardized QHPs which are also public option plans.

Here's the distinction between Cascade "standard" and Cascade "select":

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