Special Enrollment Period

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Back in February, I wrote about Connecticut's new "Covered Connecticut" program:

Access Health CT Announces Special Enrollment Period For Covered Connecticut Program

  • Eligible Connecticut residents have until June 30 to enroll

HARTFORD, Conn. (Feb. 15, 2022) — Access Health CT (AHCT) today announced a Special Enrollment Period for the Covered Connecticut Program that provides health insurance at no cost to Connecticut residents who meet eligibility requirements. This Special Enrollment Period runs now through June 30.

Created and funded by the State of Connecticut, the Covered Connecticut Program pays the customer’s portion of the monthly payment (premium) directly to their insurance company. The program also covers the cost-sharing amounts they would typically have to pay with a health insurance plan, such as co-pays, co-insurance, deductibles and maximum out-of-pocket costs.

Way back in the summer of 2020, then-Presidential candidate Joe Biden rolled out his official healthcare policy proposal. Part of the plan included the following:

Expanding coverage to low-income Americans. Access to affordable health insurance shouldn’t depend on your state’s politics. But today, state politics is getting in the way of coverage for millions of low-income Americans. Governors and state legislatures in 14 states have refused to take up the Affordable Care Act’s expansion of Medicaid eligibility, denying access to Medicaid for an estimated 4.9 million adults.

Biden’s plan will ensure these individuals get covered by offering premium-free access to the public option for those 4.9 million individuals who would be eligible for Medicaid but for their state’s inaction, and making sure their public option covers the full scope of Medicaid benefits. States that have already expanded Medicaid will have the choice of moving the expansion population to the premium-free public option as long as the states continue to pay their current share of the cost of covering those individuals.

Access Health CT Logo

via Access Health CT:

Access Health CT Announces Special Enrollment Period For Covered Connecticut Program

  • Eligible Connecticut residents have until June 30 to enroll

HARTFORD, Conn. (Feb. 15, 2022) — Access Health CT (AHCT) today announced a Special Enrollment Period for the Covered Connecticut Program that provides health insurance at no cost to Connecticut residents who meet eligibility requirements. This Special Enrollment Period runs now through June 30.

Created and funded by the State of Connecticut, the Covered Connecticut Program pays the customer’s portion of the monthly payment (premium) directly to their insurance company. The program also covers the cost-sharing amounts they would typically have to pay with a health insurance plan, such as co-pays, co-insurance, deductibles and maximum out-of-pocket costs.

Me, June 16th, after several months of various state-based ACA exchanges bumping out their COVID-19 Special Enrollment Period deadlines by a month, then another month, then another month:

At a certain point I'm guessing at least one of the state exchanges will just say "screw it" and open 2020 enrollment up for the full year.

The point of a deadline is a) to prevent people from trying to game the system by deliberately waiting until they're sick/injured before enrolling in coverage (thus driving up premiums for everyone else) and b) to goad people into actually taking action (deadlines do have a clear positive impact on enrollment). With the COVID-19 pandemic having thrown the entire healthcare system into disarray, neither of those seem to be much of a factor this year.

Maryland Connect, August 7th:

Just a few days after the previous COVID-19 Special Enrollment Period expired, NY Governor Andrew Cuomo has ordered NY State of Health to reopen their SEP through September 15th:

Governor Andrew M. Cuomo today announced that the Special Enrollment Period for uninsured New Yorkers will be extended for another 30 days, through September 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.

"While we've crushed the curve of the virus, we are still in challenging times for hard-working families throughout the state who need access to quality, affordable health care," Governor Cuomo said. "The state has maintained low infection rates and is moving in the right direction, but we know we're not out of the woods yet. By offering this special enrollment period, we're making sure New Yorkers who need affordable and at times live-saving health care coverage can get it."

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.

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 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.

Now as that deadline approaches, NY Governor Andrew Cuomo has ordered the COVID-19 SEP to be bumped out by another month:

Amid Ongoing COVID-19 Pandemic, Governor Cuomo Outlines Additional Guidelines for When Regions Can Re-Open

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.

Today, on top of several other state-based exchanges bumping out their COVID SEP deadlines, it appears that NY is doing so as well. This is hardly surprising given that the state has been slammed the hardest of any in the country by the pandemic.

There's no official press release or announcement as of yet, but according to Bloomberg News, NY Governor Andrew Cuomo made the announcement at a press conference today:

12:02:30 pm - Angelica LaVito Health-Care Reporter  @angelicalavito

New York is extending open enrollment for health insurance through May 15, Cuomo says.

Update: Here's the official press release...there's some other important details included as well:

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