The Scoop: health insurance information – November 18, 2020
Early open enrollment data indicate individual-market enrollment is trending higher than last year
Open enrollment for individual/family health insurance has been underway nationwide since the start of November. It continues for nearly another month – through December 15 in most states – although the state-run exchanges in Washington, DC and ten states have extended enrollment deadlines.
As of November 7, total enrollment via HealthCare.gov (the exchange in 36 states) had reached 818,635. As Charles Gaba explains here, the daily enrollment pace is trending about 20 percent higher than last year, although we obviously only have a short segment of data thus far.
CMS typically publishes weekly enrollment data throughout the open enrollment period. The state-run exchanges tend to have more sporadic updates on their enrollment progress, but some have started to publicize data:
All three states also have tens of thousands of current enrollees whose coverage will be auto-renewed if they don’t select a new plan for 2021.
Got questions about open enrollment? Our comprehensive guide has answers. And Kaiser Family Foundation has an excellent overview of why this year’s open enrollment period is so important, written by Cynthia Cox, Karen Pollitz, and Daniel McDermott.
Trump administration relaxes Medicaid rules for additional COVID funding
Earlier this month, the Trump administration published an interim final rule to update earlier rulemaking related to the COVID pandemic. The new rules took effect immediately, but public comments are being accepted through January 4.
We’ve covered this in more detail here, but the takeaway point is that the new rule allows states to reduce Medicaid benefits during the COVID pandemic (within certain constraints) without losing the additional federal Medicaid funding that states have been receiving as a result of the pandemic. Families USA, a consumer advocacy group, has criticized the fact that this new rule will allow states to reduce Medicaid benefits in the midst of a global health crisis.
States are still not allowed to make their Medicaid eligibility requirements any more strict than they were at the start of 2020, so Medicaid work requirements would still be a no-go for states receiving the additional federal Medicaid funding. There are several states where Medicaid work requirements have been approved but are not yet in effect. For the time being, this will continue to be the case.
Healthcare emerges as key battle issue in Georgia run-off
Sen. Kelly Loeffler, R-Georgia, is campaigning to keep her Senate seat during a runoff election scheduled for January 5, and healthcare has emerged as a key issue in the race. Loeffler has long expressed opposition to the Affordable Care Act, while her Democratic opponent, Raphael Warnock, has called for the ACA to be strengthened and improved, supports a public option, and has long pushed for Georgia to accept federal funding to expand access to Medicaid under the ACA.
Last week, Loeffler unveiled her own healthcare reform proposal, which is a compilation of various pieces of legislation that she has sponsored or co-sponsored, as well as several additional ideas.
Loeffler’s proposal states that it would “ensure Americans with pre-existing conditions are protected,” but gives few details about how that would be accomplished. She calls for the expansion of health savings accounts and a “one-time federal tax credit toward HSA contributions for low-income families with pre-existing conditions,” but does not clarify how big that tax credit would be, or exactly how eligibility for it would be determined. The proposal also calls for the creation of “Guaranteed Coverage Plans to help cover patients with pre-existing conditions,” but does not provide any details on how such plans would work.
Loeffler’s proposal also calls for the passage of a bill she introduced last spring, which would codify the Trump administration’s relaxed rules for short-term health plans into federal law. In nearly all cases, short-term health plans do not provide coverage for pre-existing health conditions.
HRSA proposes ACA plans cover no-cost counseling aimed at preventing obesity in women age 40-60
Under the Affordable Care Act, all non-grandfathered health insurance plans are required to cover a wide range of preventive services with no cost-sharing (ie, no deductible, copay, or coinsurance). This includes services for all adults, as well as services that are specific to children and to women.
The Health Resources and Services Administration – responsible for determining which benefits must be provided at no cost to women – is currently collecting public feedback on its recommendation to add coverage for counseling aimed at preventing obesity in women age 40-60. The proposed recommendation calls for this counseling service to be added to the women’s preventive health care guidelines – meaning that non-grandfathered health plans would have to cover it without any cost-sharing. The counseling would be provided to women with both normal-weight and overweight women, with an aim of helping them maintain their body weight or prevent future weight gain.
If the recommendation is adopted by HRSA, non-grandfathered health plans would have to start covering the no-cost obesity prevention counseling. But there’s a one-year delay, as new preventive care rules take effect for plan years that start on or after one year after a recommendation is issued. Comments on the new recommendation can be submitted here, through December 9, 2020.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.