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):
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!
(Alternately, you could also use HealthSherpa.com or W3LL.com, which are authorized #ACA enrollment partner sites)
⚠️ You're ONLY eligible for financial help if you use an official/authorized ACA site!
3. OFF-EXCHANGE ENROLLEES: THIS IS THE YEAR TO SWITCH TO ON-EXCHANGE COVERAGE!
Thanks to the #AmRescuePlan, millions who are paying full price for off-exchange plans are now eligible for enhanced #ACA subsidies...but they have to enroll ON-EXCHANGE to take advantage of this!
Between ~2.3 - 3.0 million Americans are enrolled in #ACA plans *OFF-exchange*, which means paying full price...
...but for 2022, MANY of them would be eligible to save THOUSANDS of dollars by moving ON-EXCHANGE (including 260K in California alone)! acasignups.net/21/11/02/time-…
📣 4. MILLIONS MORE NOW QUALIFY FOR FINANCIAL HELP...AND THOSE WHO ALREADY DID QUALIFY FOR MORE!
Middle class folks used to have to pay full price, & help for many lower-income folks still wasn't generous enough. Thanks to the #ARP, #ACA plans are now affordable for *everyone*!
This table shows the % of household income your premiums were capped at under the original #ACA subsidy formula vs. the more generous #ARP formula.
Middle class households are now capped at no more than 8.5% of income, & lower-income enrollees pay far less (or even nothing)!
5. TEN STATES OFFER *ADDITIONAL* SAVINGS *ON TOP OF* EXPANDED #ARP SUBSIDIES!
In addition to the expanded/enhanced savings thanks to the #AmRescuePlan, 10 states have their own programs offering additional financial help for lower- (& sometimes middle-income) enrollees!
California, Colorado, Connecticut, Minnesota, Maryland, New Jersey, New York, Massachusetts, Vermont & Washington are all either offering additional supplemental financial help or have their own special high-quality healthcare coverage plans for low-income enrollees (or both)!
6. FOR LOWER-INCOME ENROLLEES, SILVER IS THE NEW PLATINUM!
If you earn < 200% FPL (~$26K if single; ~$52K for a family of 4), make sure to enroll in a SILVER plan to get SUBSTANTIALLY lower out of pocket costs!
"CSR Silver 94" or "CSR Silver 87" are effectively PLATINUM plans!
There's two types of federal #ACA financial help: Premium tax credits and "Cost Sharing Reductions" or CSR, which cuts down deductibles/co-pays...in most cases making these SILVER plans effectively PLATINUM! acasignups.net/21/03/30/its-t…
7. FOR *MIDDLE CLASS* ENROLLEES, *GOLD* PLANS MAY COST LESS THAN SILVER!
It's a long, dumb story, but the bottom line is if you earn *over* 200% FPL, some Gold plans are a better value than Silver and may actually cost less in premiums...or even not have any premium cost at all!
.@bjdickmayhew has found 820 counties where at least one Gold plan costs less than the benchmark Silver plan *even at full price*...and thanks to a pricing strategy called #SilverLoading, this means many people earning > 200% FPL can get a FREE Gold plan! acasignups.net/21/05/15/my-si…
8. FIVE STATES* STILL HAVE THEIR OWN INDIVIDUAL MANDATE!
The FEDERAL penalty may be gone, but CA, DC, MA, NJ & RI all still charge a financial penalty for residents who don't have #ACA-compliant healthcare coverage (unless they have an exemption).
*Yes, I know DC isn't a state.
Here's how much you'll have to pay in those states if you go the full year without having #ACA-compliant healthcare coverage next year (and don't receive an exemption):
9. MANY STATES/COUNTIES HAVE MORE CHOICES THAN EVER.
The days of worrying about "bare counties" are gone. Dozens of insurance carriers are expanding their coverage areas in 2022, entering new counties & states while offering more plan options.
Of course that many options can get confusing, which is why it's great news that...
10. THE NAVIGATOR PROGRAM IS BACK AT FULL STRENGTH, BABY!
The HHS Dept. has upped grant funding to dozens of qualified health insurance navigator programs nationally for 2022... especially for underserved communities. More help & guidance is here!
Here's the details along with a full list of 2022 #ACA navigator grantees for each state which utilizes the federal ACA exchange (state-based exchanges have their own navigator budgets & programs): acasignups.net/21/08/27/cms-a…
⚠️ 11. ABOVE ALL ELSE: DO *NOT* LET YOURSELF BE PASSIVELY "AUTO-RENEWED!"
It's always been a good idea to *actively* shop around to see whether there's a better value available, but that's more true than ever this year! Don't leave money on the table; SHOP AROUND & save!
12. If you find this thread or my work at ACA Signups useful and want to support it, you can do so here either once or monthly, thanks!
The Inflation Reduction Act is also the reason over 20 million #ACA enrollees are saving an average of $800/yr on health insurance premiums.
Unfortunately that provision is scheduled to sunset at the end of 2025 unless legislation is passed to make the savings permanent.
I’ve written up estimates of how much net premiums would jump for various households in every state starting in January 2016 if the IRA subsidy formula isn’t extended. It’s not pretty. Here’s the first 5 states: acasignups.net/24/07/09/state…
Folks, donating to #HarrisWalz2024 is fine, but we REALLY need to focus on DOWNBALLOT races as well!
Here's how much I've raised for Harris/Walz vs. ~70 House/Senate races & ~700 State Legislative races.
Pick a page, pick some candidates & donate at . Blue24.org
Here's my Senate page where you can donate DIRECTLY to @RubenGallego, @DebbieforFL, @AlsobrooksForMD, @ElissaSlotkin, @jontester, @RosenforNevada, @SherrodBrown, @Bob_Casey, @ColinAllredTX & @tammybaldwin, as well as up to 10 other Senate Dem nominees:
@RubenGallego @DebbieforFL @AlsobrooksForMD @ElissaSlotkin @jontester @RosenforNevada @SherrodBrown @Bob_Casey @ColinAllredTX @tammybaldwin Here's my House page where you can donate DIRECTLY to up to 50 Dems running for COMPETITIVE House races, including @DrAmishShah, @EngelForArizona, @AdamGrayCA, @RudySalasCA, @gtwhitesides, @WillRollinsCA, @YadiraCaraveo, @CurtisHertelJr & @McdonaldRivet:
🔥 Guys...donating to #HarrisWalz2024 is fine, but we REALLY need to focus DOWN BALLOT as well! 1/
As my followers know, I've set up a simple website at which contains pages to donate DIRECTLY to *hundreds* of Democrats running for *competitive* seats in everything from State Legislature to U.S. Senate. 2/Blue24.org
So far this cycle I've raised a staggering $5.4 MILLION for #HarrisWalz2024. I'm incredibly proud of this...but I'm STRONGLY urging people to also donate to STATE LEGISLATIVE races, where small donations go a lot farther.
My main concern wasn’t about her personally (I actually supported her over Biden back in 2019); it was more about whether they could make the transition without it turning into a mess. So far they’ve pulled it off nearly perfectly.
With early voting starting in just 65 days in a few states, David asked this very reasonable question. I'm not an expert, but my general understanding of the situation is this: 1/
There've been a number of polls claiming that Harris/etc. would perform a few points better...but that's all THEORETICAL.
We all know that the moment it became a reality the numbers could change dramatically...especially given all the other chaos which would surround it. 2/
The thinking seems to be that Harris has a higher ceiling but also a lower floor. If you're 100% certain that Biden can't win, it therefore makes sense to figure you have nothing to lose.
However, this would upset millions of Dems who voted for Biden in the primary... 3/
Thread. ~20 years ago, one of the minor controversies surrounding then-President George W. Bush was after being warned that something he wanted to do was unconstitutional, he allegedly angrily replied that the Constitution is "just a damned piece of paper!" 1/
I don't know whether this actually happened or not, but regardless of how appalling it my is, on the most basic level that's actually *correct*: The Constitution *in and of itself* *is* "just a damned peice of paper." It's not a talisman. It doesn't have any magical powers. 2/
The power of The Constitution is in the hands of whoever the American People happen to be at any particular point in time.
If those in charge *and* enough of those who aren't either actively want to ignore the Constitution or just don't care enough to defend it, guess what? 3/