Now is the time for individuals who are uninsured or are looking for affordable health insurance to investigate the private health insurance plans available through state marketplaces (to find your state information visit the health care website). During open enrollment a person can purchase private health insurance through the marketplace in each state. There may also be financial assistance to help with health care costs available to people with low and moderate incomes. It is also important for people who currently have insurance through the marketplace to look at the plan to determine if it will continue to meet their needs. Individuals who do not take action will be automatically re-enrolled in the current plan. Re-enrollment is also an important opportunity for people to report any changes in income. To learn more, read The Arc’s blog post. Open enrollment ends on December 15, 2018.
Now is the time for individuals who are uninsured or are looking for affordable health insurance to investigate the private health insurance plans available through state marketplaces (to find your state information visit the healthcare.gov website). During open enrollment a person can purchase private health insurance through the marketplace in each state. There may also be financial assistance to help with health care costs available to people with low and moderate incomes. It is also important for people who currently have insurance through the marketplace to look at the plan to determine if it will continue to meet their needs. Individuals who do not take action will be automatically re-enrolled in the current plan. Re-enrollment is also an important opportunity for people to report any changes in income. To learn more, read The Arc’s blog post. Open enrollment ends on December 15, 2018.
On August 1, the Department of Health and Human Services (HHS) released a final rule regarding the sale of short-term limited duration insurance (STLDI). The final rule changes the duration limit from three months to less than 12 months and allows renewal for up to 36 months. STLDI plans are not required to cover the essential health benefits generally required by the Affordable Care Act (ACA), such as rehabilitative and habilitative services, and mental health and substance abuse services. Furthermore, these plans can deny coverage or charge more because of a pre-existing condition, rescind coverage, and impose lifetime and annual limits. The Arc remains concerned that the expansion of these plans will lead to healthier individuals exiting ACA marketplaces and drive up costs for people who need more comprehensive coverage, such as people with disabilities and chronic health conditions. Read The Arc’s statement here.
On June 21, the House Budget Committee approved a Fiscal Year (FY) 2019 Budget Resolution. The budget calls for $6 trillion in cuts over a decade, which include Medicaid per capita caps and block grants, Medicare privatization, and repeal of the Affordable Care Act. The budget resolution contains “reconciliation instructions” that direct eleven committees to come up with at least $302 billion in savings over ten years. This target includes at least $20 billion from the Energy and Commerce Committee and $150 billion from the Ways and Means Committee, which have jurisdiction over Medicare, Medicaid, and the Affordable Care Act. A “reconciliation bill” that outlines how these cuts would be made would require only a simple majority (51) to pass in the Senate. The Senate Budget Committee may write its own FY 2019 Budget Resolution and it is unclear whether the full House will vote on this budget resolution. See The Arc’s statement on the Budget Committee’s passage of the measure here.
On June 7, the Department of Justice announced that it will not defend key provisions of the Affordable Care Act (ACA) in a lawsuit challenging the law’s constitutionality. The lawsuit filed by Texas and 19 other states, argues that since the Tax Cuts and Jobs Act reduced the penalty for not purchasing insurance to $0, it no longer raises revenue, and is therefore no longer constitutional under the tax powers of Congress. Furthermore, they argue that if the court strikes down the individual mandate, the rest of the ACA must also be struck down. The Department of Justice response argues that the individual mandate is unconstitutional but other provisions of the ACA should remain intact. The Administration further asserts that two critical protections for people with pre-existing conditions, guaranteed issue and community rating provisions, are unenforceable. Guaranteed issue is the provision that prevents denial of coverage based on health status and community rating helps keep insurance affordable for people with health conditions. California and sixteen other states have filed a motion to intervene, which would allow them to defend the law. Peter Berns, CEO of The Arc submitted a declaration in support of California’s motion to intervene. Read The Arc’s statement here.
On May 23, the Congressional Budget Office (CBO) released a report titled “Federal Subsidies for Health Insurance Coverage for People under Age 65: 2018-2028.” The report projects premiums for nongroup marketplace plans to increase by an average of 15 percent. The repeal of the individual mandate to have health insurance that was included in the Tax Cuts and Jobs Act of 2017 is a major contributor to the projected increase. The exit of people with lower health care costs from health insurance markets leads to higher premiums for those who remain. Additionally, enactment of a proposed rule expanding the use of time limited plans could lead to further exits and higher premiums.
On April 9, the Centers for Medicare and Medicaid Services (CMS) released a final rule weakening consumer protections in the Affordable Care Act. The final rule increases the amount by which insurers can increase premiums without regulatory approval, from 10% to 15%. Furthermore, it exempts student health plans from this process. The rule also broadens the circumstances when plans are allowed to spend less than 80% of premiums on providing care without being required to reimburse beneficiaries. Additionally, it allows states to narrow the scope of essential health benefits that plans are required to cover. Learn more about the final rule here.
On January 5, the Employee Benefits Security Administration released a proposed rule expanding the availability of association health plans (AHPs). While these plans are prohibited from discriminating or charging more based on pre-existing conditions, they are not required to cover the essential health benefits generally required by the Affordable Care Act (ACA), such as rehabilitative and habilitative services, and mental health and substance abuse services. This rule has the potential to destabilize the individual and small group health insurance markets, leaving people with disabilities and chronic health condition with skyrocketing premiums.
On October 12, President Trump issued an executive order aimed at weakening protections in the Affordable Care Act (ACA). The order instructs agencies to identify and consider ways in which plans can be offered that do not meet the ACA’s requirements. These changes, if implemented, have the potential to drive up the cost of plans that provide adequate benefits and coverage for people with disabilities and chronic health conditions. See The Arc’s statement here.
Later that day, the White House announced that it would stop cost-sharing reduction payments. The ACA requires insurance companies to substantially reduce out-of-pocket expenses for beneficiaries with incomes under 250% of the poverty level and provides for reimbursement from the federal government. According to the Congressional Budget Office, this decision is likely to increase the number of uninsured Americans, premiums, and the federal deficit. For more information, see The Arc’s blog post.
Last week, Senate Majority Leader Mitch McConnell (R-KY) cancelled plans to hold a vote on the Graham-Cassidy bill. With Fiscal Year (FY) 2017 having ended on September 30, Congress can no longer use that fiscal year’s budget reconciliation process to pass the bill with a simple majority vote. It now requires 60 votes. This victory would not have been possible without the disability community. Had this bill become law, it would have:
- Capped growth in per capita Medicaid spending at below the cost of providing services;
- Replaced premium tax credits and Medicaid Expansion funds with a block grant that grows more slowly than current law and expires after 2026;
- Redistributed funds away from states that accepted Medicaid expansion; and
- Allowed states to let insurers sell plans that cover fewer services and charge more based on health status or disability.
The Senate Finance Committee hearing on the Graham-Cassidy-Heller-Johnson Proposal on September 25 was marked by high attendance of disability advocates. Protesters from ADAPT started a chant of “No cuts to Medicaid, save our liberty” and their arrests delayed the start of the hearing by 15 minutes. Senator Robert Casey (D-PA) mentioned The Arc’s advocacy and showed the stack of letters with stories from our advocates across the country.
While the cancellation of the vote on the “Graham-Cassidy” bill closed the door on Congress’s best opportunity to pass this legislation for now, there are still major challenges ahead. The 115th Congress can write two more budgets, one each for FY 2018 and FY 2019. With each budget, there is an opportunity for one reconciliation bill which requires only a simple majority to pass in the Senate. The reconciliation bill for FY 2018 will most likely focus on tax cuts. It is possible that Congress will attempt to cut Medicaid, Medicare, Supplemental Security Income, or other programs that pay for basic livings needs of people with disabilities as a way to offset revenue reductions. Additionally, Congress could attempt to pass an Affordable Care Act Repeal with Medicaid per capita caps and major tax legislation in one package. In summary, fewer pathways now exist to cut program that cover basic living expenses, but threats still remain. See article above for Congressional efforts to develop a new budget resolution similar to the most recent efforts which allowed for consideration of major Medicaid cuts and repeal of the Affordable Care Act in 2017.