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Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

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Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Hanukkah Harry, enrollment transparency, please

Charles Gaba: Standardized reporting from federal, state exchanges will provide a clearer picture of how the uninsured rate is dropping

Hanukkah Harry, help Obamacare!

EDITOR’S NOTE: It just wouldn’t be the holidays if kids of all ages weren’t putting together lists of their most wanted gifts. Not to be left out, healthinsurance.org’s blog contributors have this year put together their own wish list, but with a special twist:

In a series of video “letters,” our blog contributors explain to Louise Norris the one gift they’d ask Santa – or in Charles Gaba’s case, Hanukkah Harry – to deliver that would build on recent health reform gains and extend Americans’ access to comprehensive, affordable coverage.

In this segment: Charles Gaba, a healthinsurance.org contributor and founder of ACAsignups.net – the only place where consumers can consistently follow updates on ACA enrollment. See previous letters from Andrew Sprung, Joanne Boyer, Harold Pollack, Wendell Potter and Linda Bergthold.


Louise Norris: Hi there. My name is Louise Norris and I write about healthcare reform for healthinsurance.org and since it’s the holiday season, my fellow writers and I have teamed up to write a letter to Santa – or in this case a letter to Hannukah Harry – asking for some improvements and some changes to healthcare reform and to the Affordable Care Act to make health insurance and healthcare more accessible to more Americans.

And so today, I am with Charles Gaba, who is a web designer by trade but he’s also the founder of ACAsignups.net, which has been a go-to resource for me over the last year and has generated a ton of media interest. He’s been cited in the Washington Post, Forbes, New York Times … widely regarded as the most accurate source for up-to-date ACA enrollment data.

So with that, welcome Charles, and what would you like from Hanukkah Harry this year?

Charles Gaba: Well, thank you. Well, yes, as you noted, I’m sort of the numbers guy for the beancounter group here and my big focus is on the actual enrollment numbers across the various state exchanges as well as HealthCare.gov.

So what I’d like from Hannukah Harry this year … or going forward … would be I know that recently HealthCare.gov has finally started issuing weekly snapshot reports that have given sort of a total number of plan selections and so on. I’d like to see those weekly snapshots – while that’s a very good start – I’d like to see those broken out by state if possible on a weekly basis.

And in particular – and this applies all of the state exchanges and HealthCare.gov – I’d like some consistency in the actual reporting methodology.

For example, some of the state exchanges are reporting new enrollees and renewals as a single number, some of them aren’t breaking them out, some are only including one or the other. Some are including Medicaid and CHIP enrollment figures, some aren’t. Some are mixing those together with the private policies.

Some of them don’t report Medicaid at all.

Some of them have been releasing reports daily like Massachusetts. Some have been doing it weekly like Minnesota. Some have been doing them monthly like Colorado and some other states. Some do them pretty much whenever they feel like it, which could be every couple of days or every couple of months or not at all. So I’d like some consistency on that, if possible.

I think daily might be pushing it, but weekly seems pretty reasonable to me. Ideally, I’d like them … all of the exchanges … to release their data on the same day each week so that there’s consistency in terms of what you’re comparing the numbers against. For example, this last weekend – which was the big December surge – there’s a big difference between a number that comes out on Friday and one that comes out on Sunday or Monday.

And finally, I’d also love it – and this is a general purpose thing for the entire Health and Human Services department and all of the state health departments – I’d love it if you could standardize your terminology in particular when it comes to Medicaid. I did not know until about a year ago when I started this that Medicaid has a different name in every state. A lot of people don’t know, like I didn’t, that MassHealth in Massachusetts IS Medicaid … or MediCal IS Medicaid … or whatever … Green Mountain Health … or whatever they call it in different states.

A lot of people don’t know that when politicians are talking about that, they’re talking about Medicaid … and they think that they’re talking about some other program. So I think that’s important. It would be nice if they all called it Medicaid – which they probably won’t – or at the very least if they included a parenthetical reference “Medicaid” any time they’re talking about the program under the state’s name … and I think that’s about it.

Louise: I think that all sounds excellent: more standardization, more transparency would be perfect. If Hanukkah Harry is feeling especially generous, it would also be great if we had some standardization, reporting from carriers in terms of off-exchange enrollments.

Charles: Mmm, yes, yes, thank you.

Louise: That would great for just for getting a concise picture of how the uninsured rate is falling, and you know it would be …

Charles: Oh, I almost forgot … don’t forget the SHOP enrollments. I know they’re small right now. SHOP enrollments [unintelligible] as well.

Louise: Excellent requests, Charles, and hopefully Hanukkah Harry will come through for us.

Charles: [laughing] Great.

Louise: Thank you. Great talking with you.

Charles: Likewise. Happy Hanukkah.


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