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13 qualifying life events that trigger ACA special enrollment
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.

Latest News & Topics

Latest News & Topics


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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The Scoop: January 22, 2020 Edition

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

The U.S. Supreme Court this week denied requests to fast-track an appeal of the Texas v. Azar/U.S. lawsuit. Supreme Court photo by Rena Schild/Shutterstock

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

Open enrollment continues in Massachusetts, Washington, DC, New York, and California

For Americans who buy their own health insurance, open enrollment for 2020 coverage is still ongoing in Massachusetts, but only until tomorrow (Thursday) night. Enrollment is also still underway in California, Washington, DC, and New York, and residents in those areas have until the end of January to sign up for coverage. Enrollment has already ended in the rest of the country – it starts again in November – but people who experience certain qualifying events can still enroll in 2020 health coverage.

Supreme Court declines Democrats’ request to fast-track ACA lawsuit

Earlier this month, 19 Democratic-led states and the U.S. House of Representatives asked the Supreme Court to step in and hear the lawsuit that threatens to overturn the Affordable Care Act, without having to wait for the case to make its way through a lengthy appeal process. This week, the Supreme Court said no, so the case will remain with a lower court for the time being. The Court’s decision takes some pressure off President Trump and GOP lawmakers, who have scrambled to come up with an alternative to the ACA, and it continues the uncertainty – for both insurers and people enrolled in ACA-compliant coverage – that the lawsuit has caused.

New Jersey awards contracts for the creation of state-run exchange

New Jersey currently uses HealthCare.gov, but the state plans to transition to its own enrollment platform this fall. As it works towards establishing a fully state-run exchange, New Jersey has selected GetInsured as its technology vendor, and MAXIMUS as its consumer assistance center vendor.

Debate over Colorado public option heats up

The debate over a proposed public option health plan in Colorado is likely to incite a showdown in the state’s legislature this session. The Colorado Hospital Association has expressed opposition to the proposal that was drafted by state regulators, and dark money groups are already running ads in Colorado against the impending legislation. The Colorado Sun reports that doctors are being encouraged to publicly oppose the public option proposal – a move that Democratic lawmaker Dylan Roberts describes as “weaponizing” doctors. But at the same time, the American College of Physicians has endorsed Medicare for All and the public option concept.

Washington is thus far the only state that has passed legislation to create a public option – albeit a fairly watered-down version – which is expected to be available for 2021. Democratic lawmakers in Connecticut are also pushing for a public option during the 2020 session, and legislation has been introduced in Maryland to create a universal healthcare commission that would be tasked with creating a single-payer system in the state.

Medicaid expansion will be on Oklahoma ballot in June or November

Oklahoma is one of a dwindling minority of states that continue to reject federal funding to expand Medicaid. But Medicaid expansion advocates successfully gathered more than enough signatures last year to get the measure on Oklahoma’s 2020 ballot. Earlier this month, Oklahoma’s secretary of state certified the signatures and confirmed that the measure will appear on the ballot. But now it’s up to Republican Gov. Kevin Stitt to determine whether it will be on the primary ballot in June, or the general election ballot in November. Stitt opposes Medicaid expansion and the ballot initiative, and is working to create an alternative proposal.

Virginia lawmakers consider legislation to prevent low-cost narrow network plans from causing subsidy decreases

Lawmakers in Virginia are considering a novel bill that would prevent an insurer from offering more than one narrow-network (ie, low-cost) plan in a given area if the narrow-network plans would end up being the lowest-cost and second-lowest-cost Silver plans in the area. When multiple narrow-network plans are offered in an area, they tend to take over the benchmark plan spot, resulting in smaller premium subsidies for everyone in the area. Legislation to prevent an insurer from offering multiple low-cost, narrow-network plans could help to preserve affordability for people who receive premium subsidies.

Georgia lawmakers consider legislation to protect consumers from surprise balance bills

Legislation is under consideration in Georgia to protect consumers from surprise balance bills in emergency situations, or when a patient receives treatment from an out-of-network provider at an in-network facility. The legislation would limit a patient’s cost-sharing to their normal in-network cost-sharing amounts in those scenarios.

Trinity Healthshare, Aliera Healthcare members qualify for an SEP in Colorado

Trinity Healthshare and its administrator, Aliera Healthcare, have faced regulatory action from insurance commissioners across the country over the last several months. Colorado was among the states issuing cease and desist orders against Trinity/Aliera last summer, banning them from marketing the sharing ministry coverage to new enrollees. Colorado regulators have now finalized the case, and all Trinity Healthshare/Aliera Healthcare plans will terminate in Colorado at the end of January.

Healthcare sharing ministry plans are not minimum essential coverage, so their termination does not normally trigger a special enrollment period. But Colorado regulators have created a special enrollment period specifically for people whose Trinity Healthshare coverage is ending. The special enrollment period began January 16, and continues through March 16, 2020. Applicants must show proof that they were enrolled in Trinity Healthshare/Aliera Healthcare, and can use their special enrollment period to sign up for a plan through Connect for Health Colorado (the state-run exchange) or directly through an insurer.

CMS rejects Wyoming proposal to use Medicaid to cover air ambulance services for all residents

Last fall, Wyoming submitted an unconventional 1115 waiver proposal to CMS, seeking permission to use Medicaid to provide air ambulance coverage to all state residents. The state wanted to regulate air ambulance services like a public utility, with flat monthly fees instead of the current fee-for-service system, and sliding fee cost-sharing for patients if and when they needed air ambulance services.

But CMS has rejected the state’s proposal, noting that 1115 waivers cannot be used to circumvent the federal Airline Deregulation Act of 1978 (which prevents states from regulating pricing, routes, and services for airlines, including air ambulance providers). The agency also explained that Medicaid’s purpose is to serve the Medicaid-eligible population, and the program could not be used to provide services to residents who aren’t otherwise eligible for Medicaid.

Tennessee lawmakers consider legislation to cap the cost of insulin

After Colorado became the first state to limit out-of-pocket spending on insulin for people with state-regulated health plans, other states have begun to consider similar legislation. Tennessee is the latest, with a bill introduced last week that would cap out-of-pocket insulin costs at $100 per month, regardless of the type or amount of insulin a person needs.

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.


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