{"id":1083,"date":"2020-03-25T19:05:45","date_gmt":"2020-03-25T19:05:45","guid":{"rendered":"https:\/\/www.bowditch.com\/craftbrewerylegalblog\/?p=1083"},"modified":"2024-01-02T17:06:52","modified_gmt":"2024-01-02T22:06:52","slug":"health-insurance-enrollment-rules-eased-because-of-covid-19","status":"publish","type":"post","link":"https:\/\/www.bowditch.com\/craftbrewerylegalblog\/2020\/03\/25\/health-insurance-enrollment-rules-eased-because-of-covid-19\/","title":{"rendered":"Health Insurance Enrollment Rules Eased Because of COVID-19"},"content":{"rendered":"<h3>As Job Losses Grow, States Respond by Easing Health Insurance Enrollment on State-based Obamacare Insurance Exchanges.<\/h3>\n<h2>Obamacare Exchange Health Insurance<\/h2>\n<p>In response to the growing number of people who have and are expected to lose their jobs and their employer-sponsored health insurance, many states\u2014including Massachusetts\u2014have opened up the enrollment window and eased requirements to obtain health insurance through the state-run exchanges. Here in Massachusetts, the exchange is called the Connector. The Connector and the other state-based programs are important for laid-off workers because they provide income-based subsidies that reduce the individual\u2019s out-of-pocket expense. These subsidies make premiums on exchange-based policies more affordable than COBRA continuation coverage, which allows a former employee to continue on the employer plan but at the full premium cost.<\/p>\n<p>According to a recent study by the Kaiser Family Foundation, 17 million Americans are uninsured and eligible for Obamacare coverage. More than 4 million of these uninsured are eligible for so-called bronze plans that would not cost them anything in monthly premiums\u2014importantly, however, in exchange for a plan with no or very low monthly premiums, these plans have higher deductible, out-of-pocket costs.<\/p>\n<p>Anyone who is currently covered by an exchange-based plan and whose financial situation has worsened because of a cutback in hours or the loss of a full-time job, should visit their state\u2019s exchange website to see if they qualify for an increased subsidy.<\/p>\n<p>Anyone who does not have health insurance, not just people who have lost their insurance along with their job, can sign-up now for an exchange-based policy. So, someone who may not have wanted insurance in normal times but who wants to buy insurance now is able to do so.<\/p>\n<p>Not all states have opened up enrollment, nor has the federal government, which manages the marketplace exchanges for 32 states.<\/p>\n<h2>Special Enrollment Periods<\/h2>\n<p>Many states in this region have opened special enrollment periods for their state-based health insurance exchanges:<\/p>\n<p>In Massachusetts, enrollment is open through April 25, 2020. Eligible Massachusetts residents who need health insurance can call 877.523.6765 to start enrollment or go to <a href=\"http:\/\/www.mahealthconnector.org\" target=\"_blank\" rel=\"noopener noreferrer\">www.mahealthconnector.org<\/a>.<\/p>\n<p>Rhode Island has opened a Special Enrollment Period (the \u201cSEP\u201d) through April 19, 2020. Online applicants are instructed to use \u201cCOVID-19\u201d as the reason they need the SEP. Call 855.840.4774 for enrollment help or visit <a href=\"https:\/\/healthsourceri.com\/sep\/\" target=\"_blank\" rel=\"noopener noreferrer\">healthsourceri.com\/sep\/<\/a>.<\/p>\n<p>Vermont is offering a one-month Special Enrollment Period for those eligible Vermonters who do not currently have health insurance. The state is also temporarily waiving financial verifications upon enrollment; extending current coverage periods until after the COVID-19 emergency ends; and is suspending certain terminations of insurance. For more, visit <a href=\"https:\/\/portal.healthconnect.vermont.gov\/VTHBELand\/welcome.action\" target=\"_blank\" rel=\"noopener noreferrer\">portal.healthconnect.vermont.gov\/VTHBELand\/welcome.action<\/a>.<\/p>\n<p>New Hampshire does not have its own exchange, instead it relies on the federal exchange at <a href=\"http:\/\/healthcare.gov\" target=\"_blank\" rel=\"noopener noreferrer\">healthcare.gov<\/a>. Information is available here: <a href=\"https:\/\/www.nh.gov\/insurance\/consumers\/faq-finding-coverage-recently-lost-health-insurance-coronavirus.htm\">www.nh.gov\/insurance\/consumers\/faq-finding-coverage-recently-lost-health-insurance-coronavirus.htm<\/a>.<\/p>\n<p>Connecticut is opening enrollment to uninsured residents through April 2, 2020. Information available by calling 855-365-2428 or visiting <a href=\"https:\/\/www.accesshealthct.com\/AHCT\/LandingPageCTHIX\" target=\"_blank\" rel=\"noopener noreferrer\">www.accesshealthct.com\/AHCT\/LandingPageCTHIX<\/a>.<\/p>\n<p>New York has its Special Enrollment Program through April 15 for its residents who do not now have health insurance. Visit <a href=\"https:\/\/nystateofhealth.ny.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">nystateofhealth.ny.gov\/<\/a>.<\/p>\n<h2>Medicaid<\/h2>\n<p>Medicaid is a joint federal\/state health insurance program that is run by each state. Health insurance is free or heavily subsidized for eligible qualifying individuals and families.<\/p>\n<p>MassHealth, the Massachusetts Medicaid program, accepts applications for coverage all year long. Eligibility is limited to people and families earning less than 138% of the federal poverty level, about $17,000 for an individual and $35,500 for a family of four.<\/p>\n<p>Anyone who currently has insurance through the Connector and who has lost a job or is earning less because of a cutback in hours may qualify for a higher subsidy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As Job Losses Grow, States Respond by Easing Health Insurance Enrollment on State-based Obamacare Insurance Exchanges. Obamacare Exchange Health Insurance In response to the growing number of people who have and are expected to lose their jobs and their employer-sponsored health insurance, many states&mdash;including Massachusetts&mdash;have opened up the enrollment window&hellip;<\/p>\n","protected":false},"author":106,"featured_media":1075,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[195,21,57],"tags":[191,192,201,202],"class_list":["post-1083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-covid-19-resources","category-employees","category-employment","tag-coronavirus","tag-covid-19","tag-health-insurance","tag-obamacare"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance Enrollment Rules Eased Because of COVID-19 - At the Bar With Bowditch<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bowditch.com\/craftbrewerylegalblog\/2020\/03\/25\/health-insurance-enrollment-rules-eased-because-of-covid-19\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health Insurance Enrollment Rules Eased Because of COVID-19 - At the Bar With Bowditch\" \/>\n<meta property=\"og:description\" content=\"As Job Losses Grow, States Respond by Easing Health Insurance Enrollment on State-based Obamacare Insurance Exchanges. 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