Vyanne Dinh, 21, a senior at New York University, will be paying close attention next month when the U.S. Supreme Court hears arguments in a lawsuit backed by the Trump administration to overturn the Affordable Care Act (ACA). Thanks to the ACA, the law known as Obamacare, a provision allows young adults to remain on their parents’ health insurance policies until age 26. Dinh, of South Windsor, is covered on her mother’s policy. “If I lost coverage under my parents, I would not know what to do,” Dinh said. “Chances are I would have to handle medical expenses out of pocket, which would definitely cause a financial strain and make me hesitant to go to the doctor’s unless it is a dire emergency.”
“I am also worried about COVID because the risks are too high under current circumstances to be uninsured,” said Dinh.
As the state readies for open enrollment for health insurance beginning November 1, those who have lost their jobs or have recently moved to Connecticut can get coverage now through Access Health CT (AHCT). For those who don’t have a qualifying event for special enrollment—such as getting married, giving birth or adopting a child—open enrollment for 2021 health insurance plans begins Nov. 1 and runs through Dec. 15. Consumers can begin “window shopping” and comparing plans on Oct.
The state has extended its special enrollment period for the uninsured in Connecticut to enroll in a health insurance plan, Access Health CT announced Thursday. Access Health CT’s two insurance carriers, Anthem and ConnectiCare, will be accepting new enrollments beginning now through April 17, according to spokeswoman Kathleen Tallarita. “No Connecticut resident should worry that testing or treatment will compromise their financial security,” said Gov. Ned Lamont, in an earlier announcement. “We are experience a moment in history that requires flexibility and innovative ways to access health care,” said Access Health CT CEO James Michel. The coverage obtained through the extended enrollment period will begin May 1, according to Tallarita.
Consumers can begin shopping for 2018 health insurance through Access Health CT (AHCT) Wednesday, but will see sizeable price increases and have far less time to enroll than in previous years. Officials at the state’s health insurance exchange are boosting marketing and outreach efforts at a time when many consumers may be confused, said Andrea Ravitz, AHCT’s director of marketing and sales. Despite efforts by President Donald Trump and Republicans in Congress to repeal the Affordable Care Act (ACA), which created AHCT, the legislation and the marketplace still stand. “The constant mixed messages are confusing people,” Ravitz said. “There are certain things that are affecting the federal platform that are not affecting Connecticut at all.
Many consumers who obtain insurance through Connecticut’s health care exchange don’t understand the plans they buy—and can struggle to access care as a result, according to a new report. Insurance plans typically use complicated language that is difficult to understand, according to the Health Disparities Institute, UConn Health. As a result, some patients have trouble accessing care, experience delays in care, encounter administrative hassles and face other hurdles, the study found. The institute conducted a statewide poll last year among 516 adults who enrolled in qualified health plans through Access Health CT (AHCT), the state health insurance exchange created under the Affordable Care Act. Many struggled to understand basic insurance terms like “premium,” “deductible” and “co-pay.”
More needs to be done to educate all health insurance consumers, regardless of where they buy their policies, said Lisa Freeman, executive director of the nonprofit Connecticut Center for Patient Safety.
Consumers can begin shopping for 2017 health insurance through Access Health CT (AHCT) starting Nov. 1, but they will encounter fewer options and steeper prices than in previous years. Now in its fourth year, the state’s health insurance marketplace looks different than it has in the past. Most notably, it has only two insurance carriers, ConnectiCare and Anthem, instead of four. State insurance regulators approved a 17.4 percent increase in ConnectiCare’s rates for exchange plans and approved a 22.4 percent rate hike for Anthem’s plans.
Open enrollment for consumers to buy health insurance through the Access Health CT marketplace begins Sunday, and 2016 will bring considerably steeper fines for consumers who lack insurance. Access Health CT (AHCT), now in its third year, enrolled close to 100,000 individuals in private insurance plans in its first two years, according to Andrea Ravitz, director of marketing. About 500,000 enrolled in Medicaid through AHCT, during the first two years. The marketplace aims to enroll between 105,000 and 115,000 in private plans by the end of open enrollment, Ravitz said. AHCT concentrated on attracting new enrollees its first two years but this year it has been focusing on retaining enrollees, she added.
Women in Connecticut have been denied health insurance benefits in violation of the federal Affordable Care Act, according to a study by the National Women’s Law Center. Connecticut is one of 15 states included in the study, which analyzed the 2014 and 2015 health plans of companies that provide coverage under the ACA in state marketplaces. It found violations in all 15 states and concluded that they are likely occurring nationwide. According to the report, Connecticut women have been denied coverage for the following: breastfeeding counseling and education after two months following delivery, infertility treatments after the age of 40, sterilization procedures, emergency birth control, and maintenance care for such things as lupus, HIV, and hormones after breast cancer treatment. Coverage was also denied for transgender transitions.
Tens of thousands of Connecticut residents who receive federal subsidies to help pay for health insurance won’t be affected immediately by the latest challenge to the Affordable Care Act before the U.S. Supreme Court. But experts say there’s a good chance Connecticut residents will experience some political fallout from the court decision – which could come as soon as Thursday – challenging the validity of federal premium tax credits to 6.4 million Americans in 34 states with federally operated insurance marketplaces (also known as exchanges). Nearly 74 percent (74,682) of the 101,294 people who purchased commercial health insurance plans through Access Health CT (AHCT) received federal subsidies, as of June 2015. Connecticut is among the 16 states – along with the District of Columbia – that established their own state-based marketplaces through the health law. A court decision that blocks health insurance subsidies in the federally-operated marketplaces could lead to “some crazy maneuvering at the federal level from a legislative perspective that could impact Connecticut” if Congress moves to repeal or significantly modify the law, said James Wadleigh, chief executive officer of AHCT.
With tax season underway, some Connecticut taxpayers are struggling with the Affordable Care Act mandate that all Americans must report their health insurance status on their federal income taxes. “It’s been a big source of confusion for some people,” said Karen Riccardelli of Riccardelli Accounting in New Canaan, who has been helping Connecticut taxpayers understand the law’s requirement that they carry health insurance or pay a tax penalty. Here’s what Connecticut taxpayers need to know. Do I need to pay the penalty? People who were uninsured in 2014 face a tax penalty – unless they qualify for an exemption.