Charles Gaba's blog

SUMMARY OF #COVID-19 SPECIAL ENROLLMENT PERIODS:

ALL OTHER STATES: You may qualify for a 60-day Special Enrollment Period (SEP) if you've recently lost (or will soon lose) your employer-based healthcare coverage, or if you've experienced other Qualifying Life Events (QLE) such as getting marrinew yorked/divorced, moving, giving birth/adopting a child, getting out of prison, turning 26 etc. For these SEPs you may have to provide documentation to verify your QLE. Visit HealthCare.Gov or your state's ACA exchange website for details on the process.

via a press release from the Michigan Dept. of Insurance & Financial Services:

The Michigan Department of Insurance and Financial Services (DIFS) announced that the state has received agreements from nearly all of the state’s health insurance companies to waive cost-sharing, including copays, deductibles, and coinsurance for coronavirus (COVID-19) testing and treatments. The Whitmer Administration and DIFS had worked with insurers to waive these costs.

“Michiganders that are fighting for their lives should not have the extra burden of fighting with their health insurer to cover the costs of their care,” said Governor Gretchen Whitmer. “I am thankful that health insurers agreed to cover Michiganders’ coinsurance, deductibles, and copays as we fight this virus. It’s going to take all of us doing our part to slow the spread of COVID-19. We will get through this together” 

Consumers with these individual and group health plans will not be charged cost-sharing for coronavirus-related medical treatment, such as primary care visits, laboratory testing, emergency room visits, ambulance services, and FDA-approved medications and vaccines for COVID-19 when they become available. 

Lately pretty much everything I'm analyzing and writing about is the ongoing horror of the COVID-19 pandemic.

Since tracking and analyzing data is what I'm best known for...and since I'm mostly stuck sitting in front of the computer all day whether I like it or not these days anyway...I've started my own daily COVID-19 spreadsheet. I've added a big yellow banner at the top of the site which links to it.

Again, I'm not the one who compiled the data itself--many other teams with far better resources than I have are doing that--but I'm pulling their work together and adding some additional context, such as per capita info by state/territory.

via the Washington Healthplan Finder:

Washington Health Benefit Exchange Reminds Individuals Impacted by COVID-19 of the Health Insurance Options available now through Washington Healthplanfinder

  • Washington Health Benefit Exchange (Exchange) today is reminding uninsured individuals impacted by the Coronavirus (COVID-19) situation in Washington that the special enrollment period is extended through May 8, 2020, for coverage beginning May 1, 2020.

Washingtonians who may qualify for health and dental coverage through Washington Healthplanfinder using existing special enrollment periods include individuals who:

via MNsure, this includes their ongoing ACA exchange Special Enrollment Period but also explains other options for Minnesotans as well:

Health Insurance Options through MNsure during COVID-19

April 7, 2020

ST. PAUL, Minn.—MNsure, the state’s health insurance exchange, reminds Minnesotans who have recently lost a job, experienced a reduction in hours, or are otherwise uninsured to visit MNsure.org to get connected to health insurance. On MNsure.org, Minnesotans looking for health insurance coverage can compare plans and see if they qualify for financial help to cover the cost of insurance premiums or low-cost or no-cost health insurance either through Medical Assistance or MinnesotaCare.

Here’s what you need to know

Uninsured? Sign up now.

As I've reported before, the DC Health Link exchange is one of a dozen state-based ACA exchanges which is currently offering a COVID-19-specific Special Enrollment Period during which uninsured residents can #GetCovered. The deadline is June 15th.

A few days ago, however, they announced an interesting expansion on the COVID SEP...one specifically intended for employees of small businesses which offer ACA SHOP plans to their employees which these employees haven't enrolled in as of yet:

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

Lately pretty much everything I'm analyzing and writing about is the ongoing horror of the COVID-19 pandemic.

Since tracking and analyzing data is what I'm best known for...and since I'm mostly stuck sitting in front of the computer all day whether I like it or not these days anyway...I've started my own daily COVID-19 spreadsheet. I've added a big yellow banner at the top of the site which links to it.

Again, I'm not the one who compiled the data itself--many other teams with far better resources than I have are doing that--but I'm pulling their work together and adding some additional context, such as per capita info by state/territory.

Lately pretty much everything I'm analyzing and writing about is the ongoing horror of the COVID-19 pandemic.

Since tracking and analyzing data is what I'm best known for...and since I'm mostly stuck sitting in front of the computer all day whether I like it or not these days anyway...I've started my own daily COVID-19 spreadsheet. I've added a big yellow banner at the top of the site which links to it.

Again, I'm not the one who compiled the data itself--many other teams with far better resources than I have are doing that--but I'm pulling their work together and adding some additional context, such as per capita info by state/territory.

via a bulletin from Michgan's State Emergency Operations Center:

Healthcare Coverage Available to Michiganders who Lose Job or Experience a Drop in Income

LANSING, MICH. Michiganders who lose a job, resulting in a loss of their healthcare coverage or a change in income, may have low or no-cost healthcare options available through the Affordable Care Act (ACA) Marketplace, Medicaid, or the Children’s Health Insurance Program (CHIP).  Consumers in these situations are not required to wait for the yearly Open Enrollment Period and should act now.

“Michiganders who lose employer-based health insurance may have options to continue or replace their coverage,” said DIFS Director Anita G. Fox. “If consumers have questions about enrolling, DIFS is available to assist.”

Lately pretty much everything I'm analyzing and writing about is the ongoing horror of the COVID-19 pandemic.

Since tracking and analyzing data is what I'm best known for...and since I'm mostly stuck sitting in front of the computer all day whether I like it or not these days anyway...I've started my own daily COVID-19 spreadsheet. I've added a big yellow banner at the top of the site which links to it.

Again, I'm not the one who compiled the data itself--many other teams with far better resources than I have are doing that--but I'm pulling their work together and adding some additional context, such as per capita info by state/territory.

I've written a LOT lately about the dozen state-based ACA exchanges which have implemented COVID-19-specific Special Enrollment Periods for uninsured residents...as well as the two ACA exchanges (Idaho's, which is state-based, and The Big One, HealthCare.Gov, which hosts 38 states) which haven't done so as of yet.

Given how much outrage there's been at the federal government for not opening up HC.gov to a COVID SEP (Idaho has somehow managed to escape notice for making the same decision) by practically every party (even the American Enterprise Institute, which isn't exactly a lefty organization, is calling for one), it's worth taking a look at the states which do have COVID SEPs open to anyone uninsured to see just how many people are actually taking advantage of them.

Lately pretty much everything I'm analyzing and writing about is the ongoing horror of the COVID-19 pandemic.

Since tracking and analyzing data is what I'm best known for...and since I'm mostly stuck sitting in front of the computer all day whether I like it or not these days anyway...I've started my own daily COVID-19 spreadsheet. I've added a big yellow banner at the top of the site which links to it.

Again, I'm not the one who compiled the data itself--many other teams with far better resources than I have are doing that--but I'm pulling their work together and adding some additional context, such as per capita info by state/territory.

Lately pretty much everything I'm analyzing and writing about is the ongoing horror of the COVID-19 pandemic.

Since tracking and analyzing data is what I'm best known for...and since I'm mostly stuck sitting in front of the computer all day whether I like it or not these days anyway...I've started my own daily COVID-19 spreadsheet. I've added a big yellow banner at the top of the site which links to it.

Again, I'm not the one who compiled the data itself--many other teams with far better resources than I have are doing that--but I'm pulling their work together and adding some additional context, such as per capita info by state/territory.

Lately pretty much everything I'm analyzing and writing about is the ongoing horror of the COVID-19 pandemic.

Since tracking and analyzing data is what I'm best known for...and since I'm mostly stuck sitting in front of the computer all day whether I like it or not these days anyway...I've started my own daily COVID-19 spreadsheet. I've added a big yellow banner at the top of the site which links to it.

Again, I'm not the one who compiled the data itself--many other teams with far better resources than I have are doing that--but I'm pulling their work together and adding some additional context, such as per capita info by state/territory.

Over the years, I've estimated that even during the off-season (that is, outside of the official annual ACA Open Enrollment Period window), around 7,000 - 9,000 Americans typically enroll in ACA exchange coverage each and every day via Special Enrollment Periods (SEPs).

SEPs are typically a 60-day enrollment window during which you're eligible to #GetCovered via your state's ACA exchange if you have a Qualifying Life Experience (QLE), such as losing your existing healthcare coverage; getting married or divorced (and thus losing your current coverage); giving birth or adopting a child (to add them to your policy); turning 26 and being dropped from your parents plan; moving outside of your current state or rating area; getting out of prison or the military; becoming ineligible for Medicaid due to your income increasing; and a few other reasons.

Pages