New Yorkers have five more days to enroll in January 1 coverage! On Friday, the NY State of Health extended the Dec 15 enrollment deadline to December 20 for coverage that begins January 1.
Remember that this deadline only applies to coverage that begins January 1. New Yorkers can still enroll in NY State of Health coverage beginning in February or March up until February 15, 2015 – by January 15 for coverage starting February 1, and by February 15 for coverage starting March 1. New Yorkers can enroll online, by phone, and get in-person help to enroll from an enrollment assistor.
It’s looking like another good year for affordable, quality health insurance thanks to the ACA. Nearly 155,000 New Yorkers have newly enrolled in coverage through the Marketplace since the start of open enrollment on November 15 . That’s in addition to the many who are renewing last year’s coverage. You can find stories from New Yorkers who enrolled last year in our recently released story booklet: The ACA is Working: New Yorkers Tell Their Stories.
Last week, the NY Times’ The Upshot featured an interactive look at new coverage data from Enroll America and data firm Civic Analytics. According to the data, roughly 10 million people gained coverage this year as a result of the Affordable Care Act. What’s exciting about the data is that it provides a much closer look at who the newly insured might be and where they may live.
The article is accompanied by a colorful map of county-level data showing estimated coverage gains between 2013 and 2014. It’s exciting to see that coverage rates increased by over 10% in some parts of the country, including rural areas of Arkansas, Nevada and Oregon. New York’s coverage gains aren’t quite as dramatic, hovering around 5% in most areas, likely because our coverage rates are already relatively high by national standards. (In 2013, New York ranked 12th in the nation for its insured population).
But with a State as large as New York, even a less dramatic percentage change equals a very high number of people. Remember that over 1.5 million people enrolled in health insurance through the NY State of Health in its first year, and roughly 1.3 million of these people were uninsured when they applied. This new data also helps us understand which parts of New York may have seen the biggest coverage gains. For example, Greene County appears to have had the biggest decrease in its uninsured rate, dropping by 6% from 14% in 2013 to 8% in 2014.
As for the country as a whole, the trends are somewhat surprising and certainly encouraging. According to this data, some traditionally underserved communities may have been helped the most by the Affordable Care Act, including racial and ethnic minorities (Hispanics and black Americans), low-income people, and people living in rural areas. Hispanic uninsurance rates, for example, dropped nearly 10% from 26.2% in 2013 to 16.5% in 2014.
Keep in mind that the data are from a statistical model based on a large-scale Enroll America survey, so they are estimated rather than actual numbers. Still, these estimates provide ample food for thought as we await Census data for 2014.
The remaining uninsured have lingering concerns about health insurance affordability, and many are unaware of their state’s Marketplace and upcoming opportunities to enroll. That’s according to a new Robert Wood Johnson Foundation sponsored study about barriers and motivations of the uninsured to enrolling in health insurance during the ACA’s second enrollment period. The study, conducted by PerryUndem Research/Communication and GMMB, involved a national survey of 1,259 uninsured consumers and 10 focus groups in six cities: Chicago, Cleveland, Las Vegas, Miami, Phoenix, and Teaneck, NJ.
Key findings highlight the need for more outreach to the uninsured during the upcoming open enrollment period, which starts on November 15. For example, more than half of the uninsured did not look into enrolling during the last open enrollment period. And, one in four was unaware of the federal or their state’s marketplace. Additionally, 58% of the uninsured have financial debt, and affordability of health insurance continues to be a top concern.
The good news is, nearly three in four want health coverage: 72% agreed with the statement: “Having health insurance would make my life better.” In light of these findings, the researchers recommend the following when it comes to messaging to the uninsured:
Speak to barriers. Emphasize that low-cost plans and financial help are available and people can get in-person help to apply.
Encourage people to check out their options. Many of the uninsured did not look at the Marketplace last year. Those who did could still find different options this year.
Talk about the fine. Give the facts about the fine and how it will increase in 2015 and 2016. This gives an extra “push” to those already thinking about enrolling.
Use peer networks to get out the word. People want to know that it’s possible to get good coverage and financial help to afford it and it helps to hear this from someone they trust.
These messaging strategies can help those doing outreach to the remaining uninsured in New York State. New York enrolled over 1.5 million people in the first year of the NY State of Health Marketplace, but we still have work to do to ensure all New Yorkers are covered. Getting the word out – and using the right messages to do so – will be key to making sure the second open enrollment period is a success.
View the full RWJF report here.
Outreach Worker Engracia Jamieson and Volunteer Jan Kenyon at Great Day in Harlem (above) and RWV-NY Community Organizer Liza Lederer (right) at Brooklyn Pride
This coming Labor Day Weekend marks the unofficial end of summer, and it’s been a busy one for health coverage advocates and volunteers! Here’s an update from the field from the Get Covered NY Campaign, a grassroots effort to raise awareness about the new insurance options available through NY State of Health, and help NYC residents get covered. Get Covered NY is a project of Health Care For All New York, Greater NYC for Change, and Raising Women’s Voices – NY.
Guest Post by Aliza Lederer-Plaskett, Community Organizer for Raising Women’s Voices-NY
Raising Women’s Voices and our partners in the Get Covered NY initiative are wrapping up a busy summer of outreach to uninsured New Yorkers. We have tabled and leafleted at a wide variety of events in low-income communities in Upper Manhattan, Brooklyn and the Bronx, as well as Westchester and Rockland counties.
We’ve been to the Hunts Point Summer Fish Festival in the Bronx. We’ve reached out to LGBT people by tabling at Pride Festivals in Harlem, Brooklyn, the Bronx, Rockland County and lower Manhattan. We’ve been to book fairs, Harlem Week and back-to-school events where we can reach families with children who may be eligible for Child Health Plus. In Westchester and Rockland Counties, we have done outreach at cultural festivals and presentations on the Affordable Care Act and NY State of Health for members and staff of local nonprofit organizations.
Our dedicated and trained Get Covered New York volunteers have been taking clipboards and handouts around the events, interacting with attendees and taking down the names of people who would like to be contacted by a Navigator to begin the application process. Through this hands-on approach, we have collected more than 900 names of uninsured and underinsured individuals throughout July and August.
As we speak with uninsured people in the field and collect their information, we have noted who has experienced a major life change – which may qualify them for a special open enrollment period. We also flag people who we think might qualify for Medicaid, for which there is year-round enrollment. We then forward their contact information directly to a Navigator at the Community Service Society. Other uninsured individuals are entered into the Get Covered NY database, to be called by volunteers at phone banks that will start up again as the November 15 start of the next open enrollment period draws closer.
We have begun to pack our September and October schedule chock full of community events to ensure that we can reach as many people as possible prior to the start of the new enrollment period. Got an event you’d like to see us at? Interested in becoming a volunteer? Please contact Liza Lederer at email@example.com and we’ll get you set up to help get New York covered!