Statement of Nate Clark, Chief Executive Officer (CEO), MNsure
Re: New executive orders signed by President Biden today that support state-run ACA insurance exchanges like MNsure
ST. PAUL, Minn.—"MNsure welcomes this news and the Biden Administration’s efforts to strengthen the Affordable Care Act to increase access to quality, comprehensive health coverage. As the nation continues to fight the deadliest pandemic in a century, the changes President Biden is making will benefit Minnesotans who need the peace of mind that comes with knowing you have health care coverage.
"President Biden’s executive order directs federal agencies to look at ways to protect and strengthen access to health insurance and increase protections for those who have preexisting conditions, including complications related to COVID-19.
Washington Health Benefit Exchange (Exchange) announced today it will open a special enrollment period that parallels the new federal enrollment period which runs from Feb. 15 through May 15, 2021.
“Having health insurance is critically important in these challenging times of COVID,” said Chief Executive Officer Pam MacEwan. “Opening a corresponding special enrollment period in our state gives more uninsured Washingtonians the chance to get needed coverage for 2021.”
The special enrollment period will apply to anyone seeking health insurance coverage. Individuals shopping for coverage during this special enrollment period that select coverage by the 15th of the month will begin receiving coverage the first of the following month.
This was probably inevitable: via Connect for Health Colorado (email):
Colorado to Re-Open Enrollment for Individual Health Insurance
DENVER – Today, President Joe Biden issued an Executive Order that re-opens enrollment on the Affordable Care Act marketplaces. While the order pertains to states that use the federal exchange, HC.gov, Colorado’s exchange, Connect for Health Colorado will mirror the order by re-opening enrollment.
Coloradans without health insurance will be able to enroll in coverage through C4HCO.com between Feb. 8 - May 15, 2021. Health insurance coverage will begin on the first day of the month following plan selection. This Special Enrollment period is for people who are without health insurance and begins a week earlier than the federal exchange.
The wording of this is important: This SEP is for uninsured residents specifically; presumably it is not open to those who are simply looking to switch from one ACA policy to another. My guess is there will be a checkbox or whatever for enrollees to attest that they do not currently have health insurance coverage.
Frankly, re-opening HC.gov is actually one of the simplest and most obvious healthcare-related executive orders Biden could give at the moment. Now that the starting/ending dates are known, it raises one other important question.
President Biden to Sign Executive Orders Strengthening Americans’ Access to Quality, Affordable Health Care
The Biden-Harris Administration will open a Special Enrollment Period for Americans to sign up for health coverage and roll back attacks on the Affordable Care Act, Medicaid, and access to reproductive health care
Strengthening Medicaid and the Affordable Care Act.
In an news which surprises absolutely no one, this Thursday the Biden Administration is expected to officially announce a COVID-19 Special Enrollment Period at HealthCare.Gov, the federal ACA exchange which hosts enrollment for 36 states:
Thursday: ‘Health Care’ day
...The president is also slated to sign an executive order aimed at strengthening Medicaid and initiating an open enrollment period under the Affordable Care Act.
Trump frequently bragged about gutting the Affordable Care Act by rescinding the individual mandate, though Republicans were unable to fully repeal the law as promised.
January 22, 2021 – The Massachusetts Health Connector announced today it is continuing Open Enrollment until March 23, providing additional time for state residents to access affordable, quality health insurance, particularly those hurt by the economic impacts of COVID-19.
With Massachusetts just having become the 3rd state where COVID-19 has killed more than 1 out of 500 residents, this isn't surprising (New York announced an Open Enrollment extension thru the end of March yesterday; New Jersey is still set to end theirs as of January 31st as of this writing Maryland, where COVID has "only" killed 1 out of 900, is extending theirs thru March 15th).
With Open Enrollment ongoing, Massachusetts residents who do not have health insurance have a new opportunity to get coverage through the Health Connector. This includes commercial plans through the ConnectorCare program, which provides help paying monthly premiums, and also offers low co-pays and no deductibles.
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.
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.
