@bjdickmayhew

@bjdickmayhew

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

#FunFact: There's 3 counties in the U.S. where a single 40-yr old earning $35,000/year qualifies for a FREE (as in, $0 premium) Gold* #ACA policy:

Santa Fe County, NM*
Fulton County, PA
Juniata County, PA
*(in NM it may be called a Turquoise plan)
cc: @bjdickmayhew @colinbaillio

There's 226 counties where a single 40-yr old earning $30K/yr qualifies for a free Gold plan.

There's 619 counties where they can get a free Gold plan if they earn $25K/yr.

Of course, if they earn less than $27,180/yr (200% FPL) they're also eligible for a dirt-cheap #SecretPlatinum plan as well, which they'd usually be better off with anyway.

And if they earn less than $20,385/yr, they're eligible for a FREE #SecretPlatinum plan.

Read 4 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

🎉 #HappyNewYear! 2023 #ACA Open Enrollment is still ongoing in 49 states + DC! Here's 13 important things to remember before you #GetCovered: #xp
acasignups.net/23/01/01/2023-…

1. DON'T MISS THE DEADLINE!

The final #ACA Open Enrollment deadline is Jan. 15th in most states, for coverage starting Feb. 1st (in a few states it's as late as Jan. 31st.) #xp

Here's a table laying out the deadlines for each state. Note that some of these may be extended at the last minute...but don't count on that! #GetCovered sooner rather than later if at all possible! #xp

Read 37 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

📣 NBPP 2024, Part 5: User Fees, Risk Adjustment, Agents, Brokers & Web Brokers:
#ACA #GetCovered #NBPP2024 #xp acasignups.net/22/12/15/nbpp-…

@BenDAvanzo

CMS is proposing to shave another 0.25% off the federal exchange user fee. I have mixed feelings about this; it would save enrollees around $18/year apiece on average, but as @BenDAvanzo notes, this is one of the few federal programs that has a dedicated funding source, so...

There's several big wonky sections related to changes to how ACA risk adjustment works. I don't know enough about risk adjustment to comment, so I've just posted the descriptions as is.

Read 4 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

🚨🚨🚨 The deadline is TONIGHT to enroll in #ACA healthcare coverage starting January 1st for most people in most states! Here's 13 important things to remember before you #GetCovered: #xp
acasignups.net/22/12/15/deadl…

1. DON'T MISS THE DEADLINE!

While the final #ACA Open Enrollment deadline isn't until January 15th in most states, if you want your coverage to start on January 1st, you have to enroll by MIDNIGHT TONIGHT.

In Idaho, today is the *final* deadline for 2023 coverage! #xp

Here's a table laying out the deadlines for each state. Note that some of these may be extended at the last minute...but don't count on that! #GetCovered sooner rather than later if possible. #xp

Read 37 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

📣 NBPP 2024 Part 3: Dental Plans, Re-Enrollment Hierarchy & QHP Marketing Names
#ACA #NBPP2024 #GetCovered #DentalPlans #AutoRenewals #HighCSR #SecretPlatinum #xp
acasignups.net/22/12/13/nbpp-…

The re-enrollment change is HUGE. Until now, if you don't take any action, CMS will automatically re-enroll you in the exact same policy, but if it's not available they'll re-enroll you in whatever the closest equivalent to that plan is. For the most part this makes sense... #xp

...but a LOT of people enroll in Bronze plans when they're eligible for a high-CSR plan, often w/the same carrier & the same provider network. Going forward, CMS is proposing to auto-renew people in that situation into #SecretPlatinum plans instead, saving them hundreds! #xp

Read 4 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

📣 NBPP 2024 Part 2: Standardized Plans & Meaningful Differences (HUGE!!)
#NBPP2024 #ACA #GetCovered #StandardizedPlans #MeaningfulDifference #xp
acasignups.net/22/12/13/nbpp-…

Robin Williams starred in Moscow on the Hudson, in which he plays a Soviet-era Russian saxophone player who defects to the U.S. in New York City.

In one scene, he's overwhelmed by the bewildering number of coffee brands available at the grocery store.

I picture this scene whenever I think about the glut of "different" insurance policies available in some states via the #ACA exchanges. While too little choice is a real problem, so is *too many choices* when the enrollee can't make heads or tails of the differences between them.

Read 6 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

🚨🚨📣 REMINDER: THURSDAY is the deadline to enroll for coverage starting January 1st! Here's 13 important things to remember before you #GetCovered for 2023! #ACA #xp
acasignups.net/22/12/13/thurs…

📣 Enroll via HealthCare.Gov TODAY! #ACA #GetCovered #xp
acasignups.net/22/11/29/its-t…

📣 Enroll via HealthCare.Gov TODAY! #ACA #GetCovered #xp
acasignups.net/22/11/29/its-t…

Read 11 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

🚨📣 You only have until THURSDAY to #GetCovered starting January 1st! Enroll via HealthCare.Gov TODAY! #ACA #xp
acasignups.net/22/11/29/its-t…

🚨📣 You only have until THURSDAY to #GetCovered starting January 1st! Enroll via HealthCare.Gov TODAY! #ACA #xp
acasignups.net/22/11/29/its-t…

🚨📣 You only have until THURSDAY to #GetCovered starting January 1st! Enroll via HealthCare.Gov TODAY! #ACA #xp
acasignups.net/22/11/29/its-t…

Read 19 tweets

Charles Gaba (Had a blue check pre-11/07/22)

@charles_gaba

📣 BOOM: 2023 #ACA Open Enrollment breaks 6.6M w/BHPs included; QHPs up 18% y/y:
#GetCovered
acasignups.net/22/12/07/boom-…

@YourHealthIdaho

Important data points:
--NEW enrollment is still up 28% y/y nationally so far!
--Active renewals are up 17% overall
--IDAHO enrollment is up a whopping 70%, likely mostly due to @YourHealthIdaho launching their 2023 Open Enrollment 2 weeks early

Other states with dramatic y/y changes so far:

--New Jersey, Mississippi, Louisiana, South Carolina, Tennessee & Texas are all up 30% y/y

--New York, Pennsylvania, California, Maine, DC & Vermont are all down by double digits so far

Read 6 tweets

Charles Ghoul-ba 🎃

@charles_gaba

📣📣📣 Annnnd we're off! The 2023 #ACA Open Enrollment Period has officially launched!

Here's 1️⃣3️⃣ important things to remember before. you #GetCovered:
acasignups.net/22/11/01/its-t…

1. DON'T MISS THE DEADLINE!

While the final #ACA Open Enrollment deadline isn't until January 15th in most states, if you want your coverage to start on January 1st, you have to enroll earlier. Plus, Idaho's *final* deadline is in December.

Here's a table laying out the deadlines for every state. Note that some of these may be extended closer to the listed date...but don't count on that! #GetCovered sooner rather than later if possible.

Read 39 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣📣 REMINDER: Over 28% of the U.S. population STILL HAS TIME to #GetCovered!
acasignups.net/22/01/19/remin…

📣 If you live in Massachusetts, you have until SUNDAY to #GetCovered.

If you live in CA, DC, KY, NJ or RI, you have until 1/31.

If you live in NY, you have until 2/15.
If you live in MD, you have until 2/28.
If you live in CO, you have until 3/16.

📣 ALSO, in ANY STATE, if you have a Qualifying Life Event like getting married, moving, having a child, losing your employer coverage, turning 26, getting out of prison, etc, you're eligible for a Special Enrollment Period!

Read 7 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣⚠️🚨 REMINDER: YOU ONLY HAVE UNTIL *THIS SATURDAY* TO #GETCOVERED IN MOST STATES!!

VISIT HEALTHCARE.GOV *TODAY*!

⚠️ In most states, you only have until midnight on Saturday, Jan. 15th to enroll!

Exceptions:
--MA: You have until 1/23
--CA, NJ, NY, RI: You have until 1/31
--ID: The deadline already passed unless you qualify for a Special Enrollment Period.

⚠️ Avoid scams, junk plans etc. by only enrolling via an AUTHORIZED #ACA exchange website!

These include either the OFFICIAL ACA exchanges *or* APPROVED 3rd-party brokers such as HealthSherpa, W3LL or StrideHealth.

The next 2 tweets link to the official ACA exchanges:

Read 21 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣🚨⚠️ REMINDER: YOU ONLY HAVE 5️⃣ DAYS LEFT TO #GETCOVERED IN MOST STATES!!

VISIT HEALTHCARE.GOV *TODAY*!

📣 In most states, you only have until midnight on Saturday, Jan. 15th to enroll!

Exceptions:
--MASSACHUSETTS: You have until 1/23
--CA, NJ, NY, RI: You have until 1/31
--ID: Unless you qualify for a Special Enrollment Period, you already missed the deadline.

📣 Avoid scams, junk plans etc. by only enrolling via an AUTHORIZED #ACA exchange website!

These include either the OFFICIAL ACA exchanges *or* APPROVED 3rd-party brokers such as HealthSherpa, W3LL or StrideHealth.

A list of the official ACA exchanges follows downthread:

Read 18 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣 BREAKING: 2022 #ACA Open Enrollment breaks 13.8 million (~14.9M w/BHPs); you still have until January 15th or later to #GetCovered!!
acasignups.net/22/01/10/break…

📣 UPDATED w/y/y data:

--2022 w/time left up 15.2% vs. last year's FINAL enrollment total

--FFM enrollment up 20.5% y/y even withe KY/ME/NM splitting off
--SBM enrollment up 4.2% y/y

--Expansion states up 7.6% y/y
--Non-expansion states up 24.1% y/y
acasignups.net/22/01/10/break…

📣 UPDATE: Could *total* 2022 #ACA Open Enrollment (BHPs + QHPs) break 16 million when the dust settls?

Probably not, but it's conceivable. My guess:

14.3 - 14.6M QHPs + ~1.1M BHPs =
15.4 - 15.7M combined total

LET'S MAKE THIS HAPPEN: #GetCovered TODAY!

Read 4 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣🚨 REMINDER: You only have until January 15th* to #GetCovered during the 2022 Open Enrollment Period!

#ACA coverage is more affordable for more people than ever this year!

*(MA residents have until 1/23; CA, DC, NJ, NY & RI residents have until 1/31.)
acasignups.net/21/12/23/getco…

📣 CURRENT ENROLLEES: If you've learned the plan you're enrolled in now isn't the best value, preferred docs/hospitals aren't in network, etc, YOU CAN STILL SWITCH PLANS BETWEEN NOW & THE END OF OPEN ENROLLMENT!

You can switch to a different plan which will start February 1st.

📣 ENROLL VIA AN *OFFICIAL* #ACA EXCHANGE (or an *authorized* enrollment partner)!

Avoid scams by enrolling via HealthCare.Gov in most states (if you live in one of the 18 states w/its own exchange, HC.gov will redirect you when you enter your state).

Read 12 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

(sigh) Over 7,500 people have "liked" her first tweet and over 1,200 have shared her misinformation. Worse yet, she's apparently an MD.

It's time once again for...The Three-Legged Stool®!

I can't believe I have to explain this over 10 years later, but under the Patient Protection & Affordable Care Act (the #ACA), INSURANCE CARRIERS CAN'T CHARGE HIGHER PREMIUMS TO PEOPLE BASED ON THEIR MEDICAL OR HEALTH CONDITIONS.

Here's how the #ACA's "3-legged stool" was designed (it's gone through a few changes over the years, most notably the federal individual mandate penalty being cut off & replaced with the World's Most Expensive Shim®):

Read 23 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣📣 REMINDER: Residents of every state except Idaho still have until January 15th (or later) left to enroll in comprehensive, affordable healthcare coverage during #ACA Open Enrollment!

#GetCovered TODAY but read my enrollment guide first: acasignups.net/21/12/23/getco…

📣 Most Americans still have time to enroll in comprehensive, affordable healthcare coverage during #ACA Open Enrollment. Visit HealthCare.Gov TODAY!

📣 Most Americans still have time to enroll in comprehensive, affordable healthcare coverage during #ACA Open Enrollment. Visit HealthCare.Gov TODAY!

Read 9 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣🎉 AND WE'RE OFF!

My official 2022 #ACA Open Enrollment Guide: Here's the most important stuff to remember when you go to #GetCovered!
acasignups.net/21/11/03/and-w…

1. MOST WILL HAVE MORE TIME BUT YOU STILL SHOULDN'T DELAY!

The final deadline has been extended by a full month in most states, but in order to have your COVERAGE START IN JANUARY you should still *ENROLL* BY DECEMBER 15th!

Here's the official enrollment deadlines for every state + DC. (Note: A few of these may change):

Read 25 tweets

Charles #GetCovered-ba 🩺

@charles_gaba

📣🎉 AND HERE...WE...GO!!

My Official 2022 #ACA Open Enrollment Guide
(developing...I'm running a bit late with it this year):
acasignups.net/21/11/01/and-w…

Here's 12 Things to Remember when you go to #GetCovered:

1. MOST WILL HAVE MORE TIME BUT YOU STILL SHOULDN'T DELAY!

The final deadline has been extended by a full month in most states, but in order to have your coverage start IN JANUARY you should still enroll by DECEMBER 15th!

2. AVOID JUNK PLANS & SCAMS; MAKE SURE YOU ENROLL IN AN OFFICIAL ACA POLICY.

There's lots of questionable website selling questionable policies these days. Stick to *official* ACA exchanges or *authorized* enrollment partners only!

Read 13 tweets

Charles #GetVaxxed! 💉

@charles_gaba

CMS reminds people on unemployment they can STILL #GetCovered in a FREE #SecretPlatinum plan this year via HC.gov! acasignups.net/21/09/17/cms-r…

I can't begin to tell you what a #BigFrigginDeal this is if you don't have healthcare coverage and received unemployment benefits for even a single week in 2021. You can STILL enroll in practically FREE coverage for the rest of this year.

Premiums: $0 (that's right...FREE.)
Deductible: A few hundred bucks at most
Other Out of Pocket expenses: A few hundred bucks at most.

As long as all services are in network, you're limited to extremely low out of pocket expenses.

Read 4 tweets

Charles #GetVaxxed! 💉

@charles_gaba

@CMSGov

📣 PREPARE TO WONK OUT: @CMSGov (mostly) breaks out the over 2.55 MILLION #ACA Special Enrollment Period enrollees to date; you can still #GetCovered thru 8/15!
acasignups.net/21/08/10/cms-m…

@hiltzikm

--ACTUAL QHP selection total via HCgov, 2/15 - 7/31: 2.15 million; 14.8% have been (rightly) removed from the official 1.83 million total as of 7/31

("how many have PAID?" cc: @hiltzikm)

My 7/31 estimate as of 8/05: 2.57 million.

Actual 7/31 total reported today: 2.56 million.

Difference: 0.6%.

Read 6 tweets

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