The Future of CHIP

CHP PictureIn the midst of the chaos being caused by the most recent effort to repeal and replace the Affordable Care Act, there is another very important program at risk: the Children’s Health Insurance Program (CHIP). CHIP covers more than 9 million children nationwide and more than 630,000 in New York State alone. Without Congressional action, federal funding for CHIP will expire on September 30 of this year. New York will exhaust its share of CHIP funds in March 2018.

But there is some good news! This morning, the Senate Finance Committee released a bill that would extend federal funding for CHIP for an additional five years – through 2022. The bill keeps the additional federal matching funds (or “the 23% bump”) for states through 2019. The bill would also extend other provisions of CHIP such as:

  • Child Enrollment Contingency Fund – this is for states that predict a CHIP funding shortfall because of higher than expected enrollment
  • Qualifying State Option – this is a rule that allows states to use CHIP funding to pay for the difference between Medicaid and CHIP reimbursement to providers who care for higher-income children in Medicaid expansion versions of CHIP
  • Express Lane Eligibility – this option allows states to use eligibility for other public programs to make eligibility determinations for CHIP. This makes it much easier for kids to get covered!
  • Affordability Standards – Premiums for CHIP cannot cost more than 5 percent of income for families earning less than 300 % of the Federal Poverty Level

New York’s kids and children across the country who rely on CHIP need this bill to make it across the finish line. Please join HCFANY for a webinar on Thursday, September 21 at 2PM to hear from Judith Arnold, Director, Division of Eligibility and Marketplace Integration at the New York State Department of Health, and some of our advocates here at HCFANY on CHIP, what it means for New York, and how you can get involved.

Check out HCFANY’s latest fact sheet on CHIP here.

open enrollment graphicYesterday, the NY State of Health, New York State’s official health plan Marketplace announced in a press release that Open Enrollment for the 2018 plan year would begin on November 1, 2017 and last for a full three months, ending on January 31, 2018. As you may have heard in the spring, the federal government slashed Open Enrollment to just six weeks. This move is much better for consumers who are often overwhelmed during the busy holiday season. With this action, New York joins others progressive states like California, Washington, and Minnesota in extending the 2018 enrollment period.

If you or someone you know needs help selecting and enrolling in a health insurance plan, Navigators are available to assist. Please call (888) 614.5400 for in-person assistance in your area. Don’t forget, consumers enrolling in Medicaid, the Essential Plan, and Child Health Plus can enroll year-round!

NYIC_Logo-RV_Mar13,2012Guest post by Max Hadler, Senior Health Policy Manager at the New York Immigration Coalition. On Tuesday, September 5, the Trump administration announced that it was terminating the Deferred Action for Childhood Arrivals (DACA) program in six months. The announcement sets in motion a process to further disrupt the lives of 800,000 individuals who President Trump has been threatening since he launched his campaign in 2015. Created by an executive order signed by President Barack Obama in 2012, DACA provides two-year work authorizations and deferral of deportation to DREAMers – people who came to the U.S. before the age of 16, have resided in the country continuously since 2007, do not have a criminal record, and have either graduated from high school, are currently enrolled in an educational program, or have served in the U.S. military.

The cruelty and inhumanity of Trump’s DACA decision have serious health implications. Most acutely, the stress and anxiety caused by the uncertainty around DACA have created an immediate need for mental health services for recipients and their families. The rescission undermines the powerful emotional healing effect DACA has had on U.S. citizen children with DACAmented mothers, an impact recently highlighted in this Science article.

At a time when DACA recipients most need access to comprehensive health coverage, the termination of the program profoundly threatens their eligibility for any coverage at all. As a result of the work authorizations granted by their DACA status, many of the 42,000 DACAmented New Yorkers are covered by employer-sponsored insurance. Once their work authorizations expire, these individuals will lose access to both their jobs and their health insurance.

The impending end of DACA is particularly important in New York. Our state considers DACA recipients to be “permanently residing under color of law,” or PRUCOL, and thus eligible for state-funded Medicaid. As a result, between 5,000 and 10,000 DACAmented New Yorkers have Medicaid coverage. Many advocates believe there is a legal argument that DACA recipients should still be considered PRUCOL after they lose DACA status, but it remains unclear if the State agrees.

Even without a specific legal underpinning, the state can and should continue to cover this population. The Department of Health seemed to acknowledge this by releasing a statement on Tuesday that read in part, “New York State believes it has a legal and moral obligation to exhaust every available avenue to protect immigrants and their families by providing comprehensive access to health care, regardless of circumstance.”

The Coverage 4 All campaign has proposed a number of solutions for New York State. To start, New York can ensure the continued coverage of DACA recipients through state-financed Medicaid. There are also existing policy proposals that would protect a broader range of young adult immigrants, including those who lose their employer-sponsored insurance. Assembly Bill 8054 would expand the Child Health Plus program to age 29, extending New York’s universal children’s coverage program to young adults currently excluded because of their status, including many of the DREAMers who stand to lose their coverage when their DACA authorizations expire.

The DACA decision is only the latest attack on immigrant communities from the Trump administration. In this hostile environment, it is imperative that New York State take action to meaningfully protect and promote the health coverage of its immigrant residents.

*Anyone in New York City in need of mental health services should call NYC WELL, a hotline staffed by licensed counselors trained to help with anxiety, depression, and other issues. NYC WELL counselors have been specifically trained to work with call-ins related to DACA.

Never Fear! Navigators ARE Here!

Never Fear! Navigators ARE Here!

Many of you may have heard reports that the Trump Administration will be cutting federal funding for the Navigator program for the upcoming year. Navigators are individuals or organizations specially trained and certified to help consumers shop for and enroll in health insurance coverage through the Marketplace.

These cuts do not affect New York. New York State runs its own state-based Marketplace, the New York State of Health (NYSOH), and thanks to the continued support of the State government, New York also funds its own Navigator program and will not be affected by federal cuts.

Navigators and other in-person assistors are available to help consumers in every county in New York State. According to the 2017 NYSOH Open Enrollment Report, there were 526 Navigators and more than 5,000 Certified Application Counselors (CAC) and Facilitated Enrollers (FE) in New York as of January 31, 2017. Among consumers who enrolled in coverage through NYSOH, 72 percent did so with the help of a Navigator, CAC, or FE. An even greater proportion of consumers used in-person assistance when enrolling in public coverage through the Marketplace. Seventy-seven percent of consumers who enrolled in Medicaid, 74 percent of consumers who enrolled in Child Health Plus, and 83 percent of consumers who enrolled in the Essential Plan all used in-person assistance to choose the best plan for their needs.

Open Enrollment for the 2018 plan year begins on November 1, 2017. If you or someone you know needs help selecting and enrolling in a health insurance plan, please call (888) 614.5400 for in-person assistance in your area. Remember, consumers enrolling in Medicaid, the Essential Plan, and Child Health Plus can enroll year-round!