CMS Proposed Rule Would Increase Costs for Moderate-Income Families

RulesLast week, the Centers for Medicare and Medicaid Services (CMS) issued a proposed rule for 2018. According to the press release, the proposed rule includes “reforms that are critical to stabilizing the individual and small group health insurance markets to help protect patients.”

However, many of the policy changes in the proposed rule would harm consumers. For example, a recent analysis from the non-partisan Center on Budget and Policy Priorities explains that the proposed rule would reduce the advanced premium tax credits that help make plans purchased through the Marketplace more affordable for moderate-income individuals in families.

According to the analysis, the proposed rule would result in lower tax credits because it lowers the actuarial value standards for “silver” level plans. This means that premiums and the percentage of costs covered by the insurer would decrease, but deductibles and copayments for consumers would increase. Under the Affordable Care Act, tax credits for consumers purchasing coverage through the Marketplace are calculated based on the second lowest cost silver plan. By allowing for lower value silver plans, the new rule would force consumers to pay more out of pocket to maintain their current level of coverage.

Furthermore, the CMS proposed rule also includes provisions to require consumers to provide supporting documentation for special enrollment periods before they can enroll in coverage. The proposed rule would also permit insurance companies to collect any missed premium payments before allowing consumers to re-enroll. Both of these changes could lead to gaps in coverage for consumers or deter enrollment.

Finally, the proposed rule would reduce the open enrollment period for individual and small group health insurance plans from 13 weeks to 6 weeks, which would give consumer significantly less time shop around for and enroll in the best plan for them.

ProtestJoin members of New York City’s Congressional delegation, City officials, New York health care providers, advocacy groups and patients this Saturday morning at 11:00 AM at Gouverneur Health Auditorium, 227 Madison Street, on the Lower East Side of Manhattan to oppose efforts to dismantle the Affordable Care Act (ACA).

This rally comes on the same day that members of the House across the country are calling for a “National Day of Action” to oppose efforts to “Make America Sick Again.”

We hope to see you there!

WowLast week, the NY State of Health (NYSOH), New York’s official health plan Marketplace, announced that more than 3.6 million New Yorkers have enrolled in health coverage through NYSOH. This represents an increase of 28 percent since January 2016. More than 45,000 New Yorkers enrolled in the final two days of the 2017 open enrollment period.

According to the press release, more than 242,000 people enrolled in Qualified Health Plans, and nearly 60 percent qualified for federal subsidies to make monthly premiums more affordable.

The release also highlights the major success of the Essential Plan, New York’s Basic Health Plan, which now has more than 665,000 New Yorkers enrolled – a 75 percent increase since last year.

There are also more than 2.4 million New Yorkers enrolled in Medicaid through the Marketplace and nearly 300,000 enrolled in Child Health Plus.

Open enrollment has ended, but New Yorkers eligible for Medicaid, Child Health Plus, or Essential Plan coverage can enroll at any time through the NYSOH website. If you need help enrolling, Navigators are available to provide in-person assistance. Please visit https://info.nystateofhealth.ny.gov/IPANavigatorSiteLocations or call (888) 614-5400 to find a Navigator in your area.

Rally_Invite_2 (002)MoveOn.org has announced a pre-Inauguration rally featuring NYC Mayor Bill de Blasio, Reverend Al Sharpton, Mark Ruffalo, Michael Moore, Shailene Woodley, Rosie Perez, and Alec Baldwin, other elected officials, community organizations, and thousands of New Yorkers who will gather outside of Trump International Hotel & Tower near Columbus Circle at 6:00 pm on Thursday, January 19 to stand united and send a message to the President-elect and Congress that New York will protect the rights of people and the environment.

They have explained that the purpose of the rally is to make it clear to the incoming President and Congress that New Yorkers will continue to work to make real progress on important issues such as healthcare, climate change, social justice and immigrant rights. New York City and cities across the country are committed to working in solidarity with people fighting to advance the causes of racial, social, environmental and economic justice.

You can join the Facebook event here.