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The Scoop: December 11, 2019 Edition

A look at state-level headlines regarding individual health insurance and health reform

According to a new Kaiser Family Foundation analysis, 4.7 million Americans who are currently uninsured could get free Bronze plans for 2020 (thanks to premium subsidies that are large enough to cover the entire cost of the premiums).

Welcome to this week’s round-up of state-level health reform news, including:

In mosts states, open enrollment ends Sunday

If you buy your own health insurance, the deadline to enroll in a plan for 2020 is quickly approaching. In most states, Sunday is the last day to enroll, although there are a few exceptions where the deadline is later:

  • Idaho: Dec. 16 (The 15th falls on a Sunday.)
  • Minnesota: Dec. 23 (All plans take effect Jan. 1.)
  • Rhode Island: Dec. 31 (Enroll by Dec. 23 for a Jan. 1 effective date.)
  • Colorado: Jan. 15 (Deadline for a Jan. 1 effective date extended to Dec. 16.)
  • Massachusetts: Jan. 23 (Enroll by Dec. 23 for a Jan. 1 effective date.)
  • California: Jan. 31 (Enroll by Dec. 15 for a Jan. 1 effective date.)
  • District of Columbia: Jan. 31 (Enroll by Dec. 15 for a Jan. 1 effective date.)
  • New York: Jan. 31 (Enroll by Dec. 15 for a Jan. 1 effective date.)

4.7 million uninsured Americans could get FREE coverage

According to a new Kaiser Family Foundation analysis, 4.7 million Americans who are currently uninsured could get free Bronze plans for 2020 (thanks to premium subsidies that are large enough to cover the entire cost of the premiums). You can use our subsidy calculator to quickly determine your own subsidy eligibility. You may be surprised at how affordable the coverage is.

Andrew Sprung rightly notes that a significant portion of those 4.7 million people are likely eligible for cost-sharing reductions (CSR) as well. CSR is only useful if you select a Silver plan (which wouldn’t be free). But it would be fairly low-cost thanks to premium subsidies, and the plans would have much lower out-of-pocket costs than the free Bronze options. Sprung also points out that another several million uninsured people are eligible for Medicaid, which is either free or very low-cost.

Virginia pauses implementation process for Medicaid work requirement

Virginia has joined a growing list of states putting the brakes on their planned Medicaid work requirements. Medicaid expansion took effect in Virginia in January 2019, and 342,000 people have gained coverage as a result. But the state has also been awaiting federal approval for a Medicaid work requirement proposal that was submitted in the fall of 2018. The proposed work requirement was a key provision in winning enough GOP support for Medicaid expansion to pass in 2018. But Democrats gained a majority in both chambers of the legislature after the state’s recent election, and it was no surprise when Gov. Northam’s administration announced last week that it was officially pausing the work requirement negotiations with the federal government.

Medicaid work requirements have been overturned by court rulings in Arkansas, Kentucky, and New Hampshire. Indiana’s work requirement has been challenged in court and the state has opted to pause the program for the time being. Arizona had planned to implement a Medicaid work requirement in the fall of 2020, but has indefinitely suspended implementation amid the legal uncertainty surrounding these programs. Montana had planned to implement a Medicaid work requirement in January 2020, but tis waiver proposal was just submitted to the federal government in August, and the state has announced that implementation could be delayed by up to a year.

Michigan still on track to have Medicaid work requirement in January

Michigan’s Medicaid work requirement is scheduled to take effect in January, despite the fact that it’s being challenged in court. GOP lawmakers have rejected Gov. Whitmer’s request to pause the work requirement. If it takes effect as scheduled, it will be the only Medicaid work requirement in the country in effect as of January.

Health reform bills pre-filed for 2020 legislative sessions

The 2020 legislative session starts next month in most states, and several health reform bills have already been pre-filed for consideration during the 2020 session. That includes Medicaid expansion legislation in Kansas, a Virginia bill that would require short-term health plans to cover essential health benefits, and another Virginia bill that would prohibit out-of-network balance billing in emergency situations.

Last spring, New Jersey’s Assembly passed – nearly unanimously – a bill that would cap out-of-pocket prescription drug costs on state-regulated health plans. The bill was just taken up by the New Jersey Senate last week. (New Jersey’s legislature is still in session; the companion Senate bill is here.)

California brokerage markets sharing ministry plans as short-term plans

Last week, Charles Gaba wrote a fascinating (and frustrating) account of how an exchange-certified brokerage in California is selling healthcare sharing ministry plans from Aliera Healthcare, and calling them “short-term health plans,” despite the fact that California no longer allows short-term health insurance to be sold in the state. (The agency is calling them “plans” instead of “insurance.”) Over the last several months, regulators in several states have taken action against Aliera Healthcare and Trinity Healthshare. (As Colorado regulators note here, the two entities work in tandem to enroll people in health care sharing ministry plans).

Lawmaker wants Indiana’s short-term law to be template for other states

Earlier this year, Indiana enacted a new law that allows short-term health plans to follow federal duration limits. (The state had previously capped these plans at six months and prohibited renewals.) But the state’s law also requires short-term plans to have benefit caps of at least $2 million. And now the Indiana lawmaker who sponsored the state’s legislation is sponsoring a similar model act that could be used as a template in other states.

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

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