⚠️ 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:
MILLIONS MORE PEOPLE QUALIFY FOR FINANCIAL HELP THIS YEAR...& THOSE WHO ALREADY DID CAN GET FAR *MORE* HELP.
No, seriously: If you've looked into an #ACA plan in the past only to find out you had to pay full price or the subsidies weren't generous enough, TRY AGAIN *NOW*.
📣 2022 is *THE* year to #GetCovered via an #ACA exchange plan! The American Rescue Plan DRAMATICALLY expanded & enhanced ACA financial help.
If #BuildBackBetter goes through, that expansion will be made permanent...but if not, it's a one-time thing, so take advantage of it NOW.
❓HOW MUCH could you save? Well, the amount varies greatly depending on where you live, how old you are, what your household makeup is and how much you earn, but here's some typical examples.
IF YOU'RE ENROLLED "OFF-EXCHANGE" YOU CAN PROBABLY SAVE THOUSANDS OF DOLLARS JUST BY SWITCHING TO AN *ON*-EXCHANGE PLAN. Usually even the exact same plan, through the same carrier, with the same provider network.
To Explain: Many people enrolled in #ACA-compliant individual market plans, but did so OFF-exchange because *in previous years* they earned too much to qualify for financial help.
Well, THIS YEAR many of them DO qualify...but ONLY if they SWITCH to an ON-exchange plan RIGHT NOW!
Some states are offering ADDITIONAL savings on #ACA plans!
If you live in CO, CT, MN, MD, NJ, NY, MA, VT or WA, you might qualify for extra savings!
"OK, but WHICH plan should I choose?"
Well, I can't answer that for you, but *generally*:
--If you earn LESS than 200% FPL (~$26K if single, ~$51K for a family of 4), choose a SILVER plan, which will qualify you for both dramatic premium *and* cost sharing savings.
If you earn < 200% FPL, look for Silver plans with the "CSR" or "extra savings" label.
Officially they're called "Silver CSR 94" or "Silver CSR 87" plans, but I call them #SecretPlatinum plans because they're effectively Platinum plans (extremely low deductibles/co-pays).
What if you earn MORE than 200% FPL (again: ~$26K/yr if you're single; ~$51K for a family of 4)?
That's where it gets a lot trickier; depending on your situation, you might be better off w/Bronze, Silver, Gold or even Platinum. HOWEVER...
...many WHO EARN OVER 200% FPL can find GOLD plans which actually cost LESS than SILVER plans, even though the Gold may have lower cost sharing! In some cases it may cost NOTHING in premiums after ACA subsidies!
Yes, it's a long, stupid story. No, you don't want to hear it.
⚠️ Remember the federal #ACA "individual mandate" penalty? That's gone, but several states have their own financial penalty for residents who don't have healthcare coverage (if they don't qualify for an exception).
CA, DC, MA, NJ & RI residents need to be aware of this!
❓WHAT IF YOU ENROLLED ALREADY, BUT IT TURNS OUT YOU CHOSE THE WRONG PLAN?
GOOD NEWS: You can still *switch* to a *different* plan as long as you do so by the final deadline!
If you enrolled in a policy which started 1/01/22 but there are issues with your provider network, drug formulary, etc. you can switch to a *different* plan between now and the deadline in your state.
The new plan will take effect FEB. 1st.
CAVEAT: Your deductible may reset.
Hooray! There's more carriers & plans available than ever before!
Boo! That means more confusing choices than ever before!
Hooray! Visit LocalHelp.HealthCare.Gov (or the equivalent for your state's exchange) for assisters, navigators, brokers or agents near you who can help!
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/