Get Covered

via Connect for Health Colorado:

Coloradans Are Getting Covered During the Pandemic

DENVER – Nearly 30,500 Coloradans signed up for a health insurance plan through Connect for Health Colorado’s Marketplace between Nov. 1 and Nov. 20. Through the first three weeks of the Open Enrollment period, approximately 73 percent of applicants qualify for financial help to help pay their monthly premiums.

Unlike many of the state-based exchanges, the Colorado ACA exchange is not "front-loading" their autorenewals of existing enrollees. They address this further down the press release:

“Unfortunately, the pandemic is continuing to grow and affect our communities. That’s why it’s more important than ever that Coloradans have access to affordable and quality health coverage.” said Chief Executive Officer Kevin Patterson. “I urge Coloradans to connect with us online, over the phone, or by making a virtual appointment with a certified Broker or Assister. We are here to make your enrollment as easy as possible.”

NATIONAL COALITION LAUNCHES “GET COVERED 2021” URGING AMERICA TO MASK UP AND GET INSURED – FOCUS ON COVID AND COVERAGE FOR 16 MILLION AMERICANS ELIGIBLE FOR FINANCIAL HELP NOW

  • “Get Covered” is a call to wear a mask to prevent the spread of COVID as well as a public statement that you want your family and friends to get health insurance.
  • COVID underscores why insurance matters - but not just because of the pandemic - coverage can help people stay healthy and provide a pathway to care for diseases like cancer, diabetes, and many others that impact people’s lives.
  • Get Covered 2021 will focus on getting the estimated 16 million uninsured people across America eligible for financial help – through their Affordable Care Act marketplace, or free coverage through Medicaid – insurance coverage now.
  • The Get Covered 2021 coalition announced that December 10th will be Get Covered America Day -- a day of action where everyone will be encouraged to keep wearing their mask and post a picture of themselves on social media, including a personal message about how friends, family and neighbors can get financial help for insurance now, sharing the website GetCovered2021.org and using the hashtag #GetCovered2021.

Normally Rhode Island's Open Enrollment Period deadline ends on New Year's Eve (already 2 weeks longer than the federal OEP). This year they're bumping it out even longer:

HealthSource RI extending Open Enrollment period to help more Rhode Islanders get health coverage for 2021

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:

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:

I admit that this is starting to get a bit silly. 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.

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?

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.

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

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