Millions of New Yorkers have embraced the health care expansion provided by the Affordable Care Act and I applaud today's decision by the Supreme Court to uphold the ACA. New York State has codified critical consumer protections from the Affordable Care Act into State law; including preexisting conditions, prohibition on annual and lifetime dollar limits, the guarantee of quality essential health benefits and the ability to keep children on their parent's plans through age 26.
NY State of Health has provided seamless access to affordable coverage and remains open for enrollment through the end of the year. The ACA has been a lifeline for many New Yorkers throughout the COVID-19 pandemic and I encourage all uninsured New Yorkers to enroll today.
Press Release: Governor Cuomo Announces Enrollment through NY State of Health Tops 6 Million
State Marketplace Reaches Record-Breaking Levels
American Rescue Plan Offers Significantly More Financial Assistance for Consumers
Governor Andrew M. Cuomo today announced that New York State of Health - the state's official health plan Marketplace - has reached a record-breaking enrollment total of 6 million New Yorkers who have signed up for health insurance through the Marketplace across Medicaid, Essential Plan, Child Health Plus and Qualified Health Plans. This momentous milestone coincides with the new and increased financial assistance now available to New Yorkers through the American Rescue Plan for consumers enrolling in commercial coverage.
Now that I've developed a standardized format/layout & methodology for tracking both state- and county-level COVID vaccination levels by partisan lean (which can also be easily applied to other variables like education level, median income, population density, ethnicity, etc), I've started moving beyond my home state of Michigan.
It's been awhile since I've written anything about the ACA's Basic Health Plan (BHP) provision. BHP is a program which every state has the option of taking advantage of, but so far only two have: Minnesota and New York State. I'll let Louise Norris explain:
Under the ACA, most states have expanded Medicaid to people with income up to 138 percent of the poverty level. But people with incomes very close to the Medicaid eligibility cutoff frequently experience changes in income that result in switching from Medicaid to ACA’s qualified health plans (QHPs) and back. This “churning” creates fluctuating healthcare costs and premiums, and increased administrative work for the insureds, the QHP carriers and Medicaid programs.
How NY State of Health Enrollees Benefit from the American Rescue Plan
The American Rescue Plan, which was signed into law on March 11, 2021, will lower health care costs by providing new and expanded financial assistance to New Yorkers enrolling in health insurance through NY State of Health. This enhanced assistance is available to current enrollees and new enrollees, including to higher-income individuals for the first time. Starting in early April, individuals with low and moderate incomes can access higher tax credits. Starting in June, NY State of Health will apply these higher tax credits to current enrollees without requiring any action by the enrollee. Also in June, higher-income New Yorkers can access the new tax credits.
The information on this page is organized into six sections. Click the section from the following list to learn how the American Rescue Plan can help you:
Launching a new special-enrollment period – Covered California will open a new special-enrollment period – which will start on Monday, April 12 and run through the end of the year – to give uninsured and unsubsidized Californians time to sign up for coverage that starts as soon as May 1 and continue the outreach and enrollment effort to have marketing pay-off over time.
Today, President Biden announced that the Centers for Medicare & Medicaid Services (CMS) is extending access to the Special Enrollment Period (SEP) until August 15 – giving consumers additional time to take advantage of new savings through the American Rescue Plan. This action provides new and current enrollees an additional three months to enroll or re-evaluate their coverage needs with increased tax credits available to reduce premiums.
In previous years, New York State of Health has typically been pretty good about providing timely Open Enrollment reports, so I was mildly irritated by their total radio silence on the issue throughout the 2021 Open Enrollment Period (OEP).
My suspicion was that, like many other states which have expanded Medicaid, New York likely saw a significant drop in on-exchange Qualified Health Plan (QHP) enrollment this season due to the massive job & income loss caused by the COVID-19 pandemic last year, as people "downshifted" from QHPs over to Medicaid. In addition, New York is one of only two states which has the ACA's Basic Health Program (BHP) in place; BHP (called the Essential Plan in NY), is sandwiched in between QHPs and Medicaid, for residents earning between 138 - 200% FPL.
Amid Global Pandemic, High-Quality Health Insurance More Important Than Ever
As part of New York's ongoing response to the COVID-19 pandemic, Governor Andrew M. Cuomo today announced that the Open Enrollment Period for uninsured New Yorkers will be extended through March 31, 2021. New Yorkers can apply for coverage through NY State of Health, New York's Official Health Plan Marketplace, or directly through insurers.