The Open Enrollment period for the HealthCare.gov insurance Marketplace has begun. The HIP 2.0 Waiver Proposal is still in negotiation between state and federal officials. The Supreme Court will decide next year if individuals in most states can receive a tax subsidy under the Affordable Care Act (ACA). Our goal remains to provide you and your patients / clients / consumers with the ClaimAid Advantage.
Open Enrollment for the Healthcare Marketplace (Healthcare.gov) is now open
- Open Enrollment at HealthCare.gov for the 2015 plan year is November 15th, 2012 through February 15th, 2015.
- What you need to know: There are additional companies offering Qualified Health Plans (QHPs) in Indiana for the 2015 year. The companies for the current enrollment period include Anthem, MDWise, All Savers Insurance Company (United Healthcare), IU Health Plans, Coordinated Care Corporation (MHS), Time Insurance Company (Assurant), Physicians Health Plan of Indiana (PHP), CareSource Indiana Inc. and Southeastern Indiana Health Organization, Inc. (SIHO). You can click on the company name to access their filing with the Indiana Department of Insurance (IDOI) and learn more about proposed plans. If you or your patients / clients / consumers have questions about a how these new plans will impact insurance options, you may direct them to a ClaimAid advocate or CONTACT US.
HIP 2.0 still in negotiations with Department of Health & Human Services (HHS)
- As recently as the first week of November, Indiana Governor Mike Pence and HHS Secretary Sylvia Mathews Burwell have both indicated that the proposal is still in negotiation.
- What you need to know: If the HIP 2.0 program receives approval, federal funds will be used to provide coverage to hundreds of thousands of Hoosiers who do not presently qualify for Medicaid. There will also be a significant impact on individuals enrolled in HealthCare.gov marketplace insurance plans as the program replaces the tax subsidy for those up to 138% of the Federal Poverty Level (FPL). If the HIP 2.0 program is approved, ClaimAid will be holding education sessions throughout the state to inform the public about the new program. These sessions will include presentations and a Q & A with ClaimAid staff, as well as representatives from the Indiana Family and Social Services Administration (FSSA). If your organization would like to host or participate in one of these events, please CONTACT US. For more details of the HIP 2.0 waiver proposal, please CLICK HERE. If you or your patients / clients / consumers have questions about how HIP 2.0 will impact insurance options, you may direct them to a ClaimAid advocate or CONTACT US.
Supreme Court takes up Tax Subsidy case
- The Supreme Court has decided to hear a case that determines if tax credits for insurance purchased at HealthCare.gov may be given to individuals in states using the federal marketplace.
- What you need to know: The court’s decision, expected sometime in 2015, will not affect the current enrollment period or 2014 tax filling year, though it may have a future impact on those receiving subsidized insurance in Indiana. The Affordable Care Act (ACA) provides tax credits to lower-income Americans who purchase insurance “through an exchange established by the state.” Indiana, along with the majority of states, has opted to allow the federal government to own/operate its exchange. If your organization has questions about how various outcomes may impact your business, please CONTACT US.