SEPs

via Nevada Health Link:

Nevada Health Link Announces Health Insurance Savings Through the American Rescue Plan Act

  • Nevadans seeking health coverage can access increased or expanded subsidies and premium savings, healthcare tax credits, expanded COBRA protections and increased plan options

CARSON CITY, Nev. (April 16, 2021) – Nevada Health Link, the online health insurance marketplace operated by the state agency, the Silver State Health Insurance Exchange (Exchange), is offering even bigger coverage savings to eligible uninsured and insured off-Exchange Nevadans. These new enhancements are in accordance with the newly-enacted American Rescue Plan Act (ARPA or American Rescue Plan) of 2021 passed by Congress and signed into law by President Biden on March 11, 2021.

via Pennie:

Savings to the Rescue – Pennie is Now Open with Increased Savings

  • Pennie Customers Can Now See Savings When Shopping for Health Coverage
  • Uninsured Pennsylvanians will be able to receive significant savings in health coverage as a result of the American Rescue Plan

Harrisburg, PA – April 16 – As a result of the recent American Rescue Plan, also known as the COVID-19 relief package, provisions specific to the Affordable Care Act have impacted the way health insurance is available in Pennsylvania. These provisions include significant impacts, including an increase in savings, for Pennsylvanians seeking individual market coverage and those already enrolled through Pennie, as well as those who may lose their employment and rely on COBRA to maintain their employer coverage. Pennie is excited to announce that these savings are now available at pennie.com for those looking to enroll in quality, affordable coverage.

via Get Covered NJ:

Good news! More financial help is now available through Get Covered New Jersey

New Federal and State Savings

The federal government recently passed a COVID-19 relief bill, the American Rescue Plan Act of 2021, which was signed into law by President Biden on March 11, 2021. The new law will reduce health insurance premiums by providing more financial help to eligible consumers who purchase a plan through Get Covered New Jersey. The State of New Jersey is also providing more financial help to lower health insurance costs for residents enrolling at Get Covered New Jersey.

More people than ever will qualify for financial help. If you did not qualify for financial help before because your income was too high, you may qualify under the state and federal changes. If you already receive financial help, you will likely be eligible for additional premium reductions. These new changes make coverage more affordable at many income levels.

OK, this is a first...while most other states have been simply extending their existing COVID Special Enrollment Periods out through August to allow for the newly-expanded ACA subsidies, Connecticut is shutting theirs down at midnight tonight (April 15th)...but relaunching it again on May 1st:

Just posted by Access Health CT:

American Rescue Plan Act of 2021: Savings Coming for Connecticut Residents

  • You Can Start to Take Action & See Savings After May 1, 2021

A new federal law was passed in March 2021, the American Rescue Plan Act, and it changed the way we calculate financial help for customers for this year and 2022. Many more customers will now qualify for financial help to make plans more affordable. Whether you’re a first-time shopper, or an existing customer, there could be big changes ahead for your household, and we want to make sure you know how to take advantage of the new financial help available.

As a result of this new federal law:

via Connect for Health Colorado:

Connect for Health Colorado Offers More Savings to More Coloradans on Health Insurance Costs

Many Residents Can Find Coverage for Just A Few Dollars a Month

DENVER – Starting today, Thursday, April 15, Coloradans seeking health insurance can access more savings as a result of the American Rescue Plan (also known as the “COVID relief package”) when they shop through Connect for Health Colorado®. The American Rescue Plan expanded financial help for health insurance plans that people buy via the federal and state health insurance exchanges through 2022. And, for the first time, ever, Colorado individuals and families of all income ranges can qualify for reduced premiums.

“We’re ready and eager to provide these savings to more Coloradans who need relief right away,” said Chief Executive Officer Kevin Patterson. “I encourage those who need coverage to sign up. If you were unable to obtain financial help in the past, now is the time to re-apply. You might be surprised how much you can save.”

What’s Different Now?

This was apparently decided awhile ago (there was no press release), but I just learned about it today thanks to Louise Norris:

Nevada’s Response to Coronavirus

Nevada Health Link opened a Special Enrollment Period (SEP) for uninsured Nevadans, starting February 15 through August 15, 2021. The SEP is in accordance with the Executive Order issued by President Biden last month, in response to the ongoing national emergency presented by COVID-19.

  • Coming soon! Thanks to the recently passed American Rescue Plan, we’ll soon be offering more money to help pay for your coverage. Learn more here.

Visit here to learn more.

Nice catch by Andrew Sprung. Via the NJ Dept. of Banking & Insurance:

EXTENSION OF COVID-19 SPECIAL ENROLLMENT PERIOD

On January 29, 2021, the Department of Banking and Insurance (“Department”) issued Bulletin No. 21-03 advising carriers and other interested parties that an emergency COVID-19 Special Enrollment Period (“COVID-19 SEP”) would go into effect on February 1, 2021 and extend through May 15, 2021. The COVID-19 SEP ensured that New Jersey residents have access to quality affordable health insurance during a critical time in which the need to protect public health is paramount. Specifically, the COVID-19 SEP made sure that individual market coverage was available to uninsured individuals during the pandemic. It also aligned New Jersey with the Federal Special Enrollment Period which runs through May 15, 2021 and the Federal Public Health Emergency.

This just in via Connect for Health Colorado:

More Coloradans Than Ever Are Using Colorado’s Exchange to Get Covered

DENVER — In a report released today by Connect for Health Colorado, nearly 180,000 Coloradans signed up for a health insurance plan by the end of the Open Enrollment Period on Jan. 15 for 2021 coverage. The new report includes more detailed information about changes to premium costs and financial help by county, the improved customer experience and our outreach tactics.

The main number here is nothing new; C4HCO had already announced the 180K figure back in January. The report itself contains a ton of key demographic stats & details, however, which I'll get to below.

I last updated my Michigan Medicaid expansion tracking back in January.At the time, I noted that enrollment in this ACA programhas increased dramatically here in Michigan since the COVID-19 pandemic struck, increasing from 673,000 in February 2020 to 853,000 as of January 2021, or nearly 27% in less than one year.

As of April 5th, the Healthy Michigan program (that's the branding of Michigan's ACA Medicaid expansion) notes 897,261 enrollees. That's a net increase of 224,000 Michiganders enrolled in the program since last February, or over 33%.

With this as backdrop, consider the timing of the following events:

Note: A few weeks ago, I ran a rough back-of-the-envelope extrapolation of partial data from the first 2 weeks of the ongoing COVID Special Enrollment Period and concluded that IF enrollment via the 36 HealthCare.Gov states was representative nationally, and IF the pace of the last 2 weeks of February held perfectly steady, it would mean around 666,000 new enrollees via HC.gov and 832,000 nationally by the end of March. Those were two pretty big caveats, of course, and as you'll see below, the reality wasn't quite as eyebrow-raising, though it's still pretty impressive.

This just in via the Centers for Medicare & Medicaid Services (CMS):

2021 Marketplace Special Enrollment Period Report

February 15 – March 31, 2021

The date on this press release is April 1st, but I didn't see it on the MD Connect website until today:

AMERICAN RESCUE PLAN ACT DRAMATICALLY LOWERS HEALTH CARE COSTS FOR MANY MARYLANDERS

Low income individuals and families will pay nearly nothing for private health plans, higher income will be eligible for savings for the first time

(BALTIMORE) — Gov. Larry Hogan and Maryland Health Connection today announced reductions in the health plan costs that reflect additional financial help available through the federal American Rescue Plan Act. The new law means that:

via MNsure:

Minnesotans will see expanded tax credits through MNsure beginning today

  • Savings will be applied this spring and summer; MNsure extends special enrollment period through July 16

ST. PAUL, Minn.—Recent changes to the Affordable Care Act made through the American Rescue Plan mean more Minnesotans will be able to access tax credits through MNsure. The changes lower premiums for most people who are currently enrolled through MNsure and expand access to tax credits to many Minnesotans who previously made too much money to qualify for financial help. Minnesotans who are not currently enrolled in a plan through MNsure, including those who are uninsured, have until July 16 to enroll in coverage.

Breaking via the Washington Healthplanfinder:

Washington Healthplanfinder is extending special enrollment period for Washingtonians seeking health coverage through August 15, 2021

  • More Savings Coming to Washington Healthplanfinder Customers

Due to recent federal action bringing new savings opportunities to current and new individual health insurance market customers, Washington Healthplanfinder is extending the current special enrollment period from May 15 through August 15. This aligns with the recent federal announcement extending the special enrollment period for those using the federal marketplace. This special enrollment period allows currently uninsured individuals, and people both on and off the Exchange, the opportunity to benefit from these new savings.

Here's the formal kick-off announcement from HHS Sec. Becerra:

  • An average of three out of five eligible uninsured Americans can access $0 plans after advance payments of tax credits and an average of four out of five current HealthCare.gov consumers will be able to find a plan for $10 or less per month after advance payments of tax credits
  • Department also announces $50 Million Boost to Special Enrollment Period Outreach Campaign

Today, U.S. Department of Health and Human Services (HHS) Secretary Xavier Becerra announced that additional savings and lower health care costs are available for consumers on HealthCare.gov. The American Rescue Plan (ARP) has increased tax credits available to consumers, helping to reduce premiums and giving consumers access to affordable health care coverage.

The Department also announced an additional $50 million in advertising to bolster the Special Enrollment Period outreach campaign. The campaign will run through August 15, 2021.

A couple of weeks ago I noted that all 11 California health insurance carriers participating on the state's ACA exchange, CoveredCA.com, have agreed not to reset deductibles for current off-exchange enrollees who shift to an on-exchange plan during the ongoing COVID Enrollment Period.

This is a HUGE deal, especially in California, where an estimated 430,000 residents are enrolled in off-exchange ACA policies which are virtually identical to their on-exchange equivalent, with the sole distinction of those enrolled in them not being eligible for ACA subsidies.

With subsidies being beefed up and the 400% FPL subsidy cliff having been killed (for the next 2 years, at least), this means that hundreds of thousands of Californians have just become eligible for thousands of dollars in savings...as long as they transition to the same plan on-exchange.

via Nevada Health Link:

The Division of Insurance (“Division”) encourages all Nevadans to take advantage of the new saving opportunities offered by the American Rescue Plan Act of 2021 (“ARPA”). The ARPA, enacted earlier this month, creates more opportunities for Nevadans to save on health insurance coverage.

“I urge consumers, especially those who have off-exchange plans, have no insurance or have found themselves uninsured to start thinking now about how they can benefit from this new law because certain benefits in the ARPA have deadlines,” said Insurance Commissioner Barbara Richardson. “Each month that a consumer does not take advantage of these new low or no cost opportunities, they are leaving money on the table.”

The ARPA will lower monthly premium costs; increase subsidy eligibility for consumers making above the 400% of the Federal Poverty Level; provide options for people who are on unemployment for $0 premium plans; and it will provide 100% COBRA subsidy for six months.

Your Health Idaho, which had been scheduled to end their COVID-19 Enrollment Period on March 31st, has understandably extended the deadline out by another month in light of the American Rescue Plan's expanded/enhanced subsidies. Via email:

Enhanced Subsidies Go into Effect at Your Health Idaho April 1

Your Health Idaho Continues to Enroll Idahoans through April 30, 2021

BOISE, Idaho –Your Health Idaho, the state insurance exchange, will remain open throughout the month of April so Idahoans can take advantage of enhanced financial assistance, which lowers consumer’s monthly premiums. 

For the first time ever, tax credits, which act like an instant discount, may be available for those who were not previously eligible and will be increased for Idahoans who already receive them. For some Idahoans, these savings can be significant. For example, a Treasure Valley married couple in their 20s making $50,000 a year could pay less than $10 a month and a family of four making $105,000 could pay as little as $200 a month.

In what's become a pretty expected move, the Maryland Health Benefit Exchange is also extending their COVID SEP out thru mid-August:

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

(BALTIMORE) — Gov. Larry Hogan and Maryland Health Benefit Exchange announced today that the state health insurance marketplace, Maryland Health Connection, will extend its current Coronavirus Special Enrollment Period. Uninsured Marylanders have the opportunity to enroll in health coverage now until Aug. 15.

This deadline aligns with the federal special enrollment period extension announced by President Joe Biden for those 35 states that use HealthCare.gov, the federally run health insurance marketplace.

“We are pleased to announce the additional extension of this special enrollment period to Aug. 15, which

is already one of the nation’s longest in response to the COVID-19 pandemic,” said Governor Hogan.

“Our administration remains committed to ensuring Marylanders have access to the resources they need

HealthSource RI becomes the latest state-based exchange to jump onboard the August 15th train...

Governor McKee and HealthSource RI Announce New Enrollment Period Extended Through August 15

  • Historic level of financial assistance is now available through HealthSource RI.
  • New Enrollment Period has been extended through August 15, 2021, adding three months to the previous May 15, 2021 deadline.
  • Starting April 1, most HSRI customers will have a lower monthly bill.
  • Beginning in summer 2021, HSRI will make more financial assistance available to people who previously did not qualify to receive it based on their income.
  • Individuals and families who have received unemployment payments in 2021 will be newly eligible for additional financial help for this year or may qualify for health coverage at no cost.
  • Rhode Islanders should enroll in coverage as soon as possible to take full advantage of these new benefits. 
  • The deadline to enroll is August 15, 2021.

A few weeks ago, Pennie (Pennsylvania's ACA exchange), like several other state-based exchanges, put out a simple statement celebrating the passage of the American Rescue Plan (ARP) and the dramatic improvement in ACA affordability that it brings for the next two years. Like most of the other exchanges, Pennie's initial press release was pretty bare-bones, as the bill had just been signed into law and there were a ton of logistical details to be worked out.

Today, at their monthly board meeting, Pennie provided some further info on how they plan to proceed:

Pennie’s American Rescue Plan Policy Goals

  • Implement ARP provisions as soon as possible, and as broadly as possible, to maximize savings for Pennie customers
  • Automate these provisions, to the extent possible, to ensure that the benefits under the new law reach Pennie customers without requiring customer action
  • Ensure that customers who need to take an action are given specific instructions on what they need to do to maximize their benefits
  • Use this unique opportunity to connect more Pennsylvanians to comprehensive coverage and reduce the number of uninsured throughout the Commonwealth

Last week the Maryland Health Benefit Exchange issued a press release touting impressive enrollment numbers over the past year via their year-long COVID-19 Special Enrollment Period (SEP). The topline number was that they enrolled over 140,000 Maryland residents in either ACA exchange policies or Medicaid.

Since Medicaid enrollment is open year-round anyway, the number I'm obviously more interested in are the exchange plans, which most people can normally only enroll in during the official Open Enrollment Period each fall/winter. Since COVID has thrown that mostly into disarray, however, I've been keeping a close eye on SEP enrollment in 2020 and now in spring of 2021 as compared to the pre-COVID era, when the SEP rules were far more strictly adhered to.

via Connect for Health Colorado:

Connect for Health Colorado Extends Enrollment Period through at least August 15

DENVER — Yesterday afternoon, President Biden announced that the federal health insurance marketplace, HealthCare.gov, will extend the current enrollment period through August 15, 2021, to help as many people as possible get covered following the passage of the American Rescue Plan Act of 2021.

Connect for Heath Colorado® Chief Executive Officer, Kevin Patterson, released the following statement in response:

“We will follow the federal decision so that we can help as many Coloradans as possible get covered this year. Keeping our doors open through at least mid-August maximizes the number of people who can apply for financial help and enroll through our Marketplace, especially as our state recovers from the pandemic. We will share more details soon about how Coloradans who are newly eligible for benefits under the American Rescue Plan can get those additional savings.”

This just in from the MA Health Connector:

Massachusetts Health Connector to Provide New, Additional Financial Help for Health Insurance Premiums

Extended enrollment to run through July 23 to maximize opportunity for residents to gain access to new premium support

March 23, 2021 – The Massachusetts Health Connector will be able to provide hundreds of thousands of people with new and increased help paying for their health insurance premiums as a result of the recently enacted American Rescue Plan, starting for May coverage.

The new law will make federal premium subsidies, known as Advance Premium Tax Credits, more generous in two ways: It will increase them for many of the Massachusetts residents who already receive them, and it will make federal premium subsidies available to more people who have never qualified before.

via Nevada Health Link:

Statement re: 11th Anniversary of the Affordable Care Act
Heather Korbulic, executive director, Silver State Health Insurance Exchange

Tomorrow, March 23, 2021, marks 11 years since the passing of the Affordable Care Act (ACA), the landmark reform law that is credited with increasing access to quality healthcare for millions of Americans, forever changing the national healthcare landscape.

Here in Nevada, the ACA is responsible for the creation and ongoing operations of the Silver State Health Insurance Exchange that has provided healthcare coverage to hundreds of thousands of Nevadans who would otherwise be without coverage to receive essential and critical healthcare services. Since the passage of the ACA and the implementation of Nevada Health Link, the Exchange’s online marketplace for ACA-compliant insurance plans, Nevada's number of uninsured has decreased from a staggering 23 percent to 11 percent.

This is from a couple of weeks ago; I'm reposting it standalone for clarity. Via the Washington Health Benefit Exchange:

Washington Health Benefit Exchange Issues Statement on the Signing of the American Rescue Plan Act of 2021

Pam MacEwan, CEO Washington Health Benefit Exchange (Exchange), issued the following statement today following the signing of the American Rescue Plan Act of 2021:

“The new stimulus plan is great news for both our current Exchange customers as well as the uninsured who have not been able to afford health insurance. Enhanced premium assistance will help people afford and keep health coverage during the current pandemic.

“Our enduring goal is to ensure that every Washingtonian can get affordable health insurance coverage for themselves and their family. Today’s landmark legislation takes the necessary steps to help those who face high insurance costs that have prevented them getting health coverage for 2021 and 2022.

This is from a couple of weeks ago; I'm reposting it standalone for clarity. via HealthSource RI:

New Federal Changes Mean An Increase In Financial Help for Most HealthSource RI Customers; New Customers May Also Enroll Now

EAST PROVIDENCE, Rhode Island (March 11, 2021) — Recent changes at the federal level mean most HealthSource RI (HSRI) customers will soon be paying less for their health coverage. This change will result in the federal government providing an additional $30 million dollars in Advanced Premium Tax Credits (APTCs) that will bring premium costs down for HealthSource RI customers.

This is from a couple of weeks ago; I'm reposting it standalone for clarity. via Pennie: (via a text graphic for some reason):

Joint Statement from The Pennsylvania Insurance Dept. & Pennie regarding the American Rescue Plan Act of 2021:

"The American Rescue Plan Act of 2021 will not only provide financial assistance through the forthcoming stimulus checks, but will also provide an estimated $270 million in additional subsidies to current Pennie customers in 2021 alone. Through this law, marketplace premiums will be capped at 8.5% of a household's income, meaning current Pennie customers will see lower monthly premiums and those without coverae or who were previously ineligible will now have access to financial help if they shop at Pennie.com.

In some cases, lower-income enrollees will have their monthly premiums eliminated entirely. Additionally, anyone who was eligible for unemployment income in 2021 will be eligible for coverage thorugh Pennie with a $0 premium for the remainder of the year.

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