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Charles Gaba (Had a blue check pre-11/07/22) Profile picture
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Dec 15 β€’ 4 tweets β€’ 2 min read
πŸ“£ NBPP 2024, Part 5: User Fees, Risk Adjustment, Agents, Brokers & Web Brokers:
#ACA #GetCovered #NBPP2024 #xp acasignups.net/22/12/15/nbpp-…
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.
Finally, CMS appears to be tightening up their regulation of agents, brokers & 3rd-party web brokers.

There's a bunch of other stuff in the #NBPP2024 as well, but I think this covers the major changes.

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More from @charles_gaba

Charles Gaba (Had a blue check pre-11/07/22) Profile picture
Dec 15
🚨🚨🚨 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) Profile picture
Dec 14
πŸ“£ NBPP 2024, Part 4: Medicaid/CHIP, Special Enrollment Periods, Income Data & Navigator Expansion:
#NBPP2024 #ACA #Medicaid #CHIP #Navigators #xp
acasignups.net/22/12/14/nbpp-…
CMS is expanding the timeframe for people who are kicked off of Medicaid to select an #ACA exchange plan via Special Enrollment from 60 days to 150 days (60 before / 90 after).

That'll be a huge thing once the Public Health Emergency ends & millions lose Medicaid eligibility.
CMS is also proposing to let exchanges offer an earlier effective start date to avoid people having up to a 16-day coverage gap if they lose coverage mid-month. This, again, is probably mostly triggered by the impending end of the PHE, but it applies in other cases as well.
Read 6 tweets
Charles Gaba (Had a blue check pre-11/07/22) Profile picture
Dec 13
πŸ“£ 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) Profile picture
Dec 13
Hilarious thread. When I was a website developer, I occasionally gained a new client whose existing website had been designed more than a decade earlier with the domain name being registered by a former employee who had left the company years ago. 1/
The problem is that in many of these cases, the ex-employee had registered their employers domain in their own name...often using their personal email address (often Hotmail, AOL or even Prodigy at the time) as the registrant & technical contact. 2/
This is a real problem because in order to move the site to a new server (or even to modify the DNS records for other reasons), you have to have access to the domain name, which the client usually didn't have a clue about. 3/
Read 7 tweets
Charles Gaba (Had a blue check pre-11/07/22) Profile picture
Dec 13
πŸ“£ 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) Profile picture
Dec 13
πŸš¨πŸš¨πŸ“£ 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…
πŸ“£ Enroll via HealthCare.Gov TODAY! #ACA #GetCovered #xp
acasignups.net/22/11/29/its-t… Image
πŸ“£ Enroll via HealthCare.Gov TODAY! #ACA #GetCovered #xp
acasignups.net/22/11/29/its-t… Image
Read 11 tweets

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