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Open Enrollment is Open

Friday, November 1, 2019

TargetHIV

ACE TA Center

From the ACE TA Center Listserv - Open Enrollment begins November 1, and 2020 health insurance plans and prices are now available for review. 

Open Enrollment Prep Checklist

  1. Learn more about the Marketplace plans being offered in your area.
  2. Continue scheduling enrollment appointments and help clients gather the information they’ll need for their application.
  3. Brush up on the different types of financial assistance for Marketplace plans available for eligible clients.
  4. Promote the Open Enrollment dates and key messages to your clients.

1. Learn more about the Marketplace plans being offered in your area

Check with your program director to find out if someone, like your AIDS Drug Assistance Program (ADAP) or Part A Program, is assessing and recommending plans for people with HIV. If so, find out when they will be ready to share this information and how the information will be shared with your organization.

If no one is analyzing Marketplace plans in your area, you can preview plans and prices on HealthCare.gov. Then, use the ACE TA Center Health Care Plan Selection Worksheet to help your clients find the best plan for their health and financial needs.

2. Continue scheduling enrollment appointments and help clients gather the information they’ll need for their application

Use our Preparing for Your Enrollment Visit Worksheet to help clients gather the information they will need for their enrollment appointment.

Plans change, and people change. Encourage your clients to actively compare plans during Open Enrollment to avoid getting auto-enrolled into a plan that may not be the best option for their health needs.

3. Brush up on the different types of financial assistance for Marketplace plans available for eligible clients

To help clients find affordable plans, it’s important to understand the two types of financial assistance available to help cover some health insurance costs for plans purchased on the Marketplace. If eligible, a person may receive both of these.

Premium Tax Credit (PTC) - A tax credit to help lower the cost of premiums for health coverage for Marketplace health plans. Advance payments of the tax credit can be used right away to lower your monthly premium costs. Cost-Sharing Reduction (CSR) - A discount that lowers the amount individuals and families have to pay out-of-pocket for deductibles, coinsurance, and copayments. CSRs are NOT used to pay premiums.

Learn more about PTCs and CSRs in our updated FAQ, including who is eligible, how eligibility is determined, how clients apply, and the relationship between premium tax credits and tax filing.

And remember: The Ryan White HIV/AIDS Program (RWHAP), including ADAP, can help eligible clients in many jurisdictions to cover some premium or out-of-pocket costs (copayments, deductibles, coinsurance).

4. Promote the Open Enrollment dates and key messages to your clients

Out2Enroll Toolkit and Promotional Materials: Includes a social media toolkits, key dates and messaging, sample social media, and graphics.

ACE TA Center Twitter Toolkit for Marketplace Open Enrollment: Key enrollment and plan renewal messages and images tailored for RWHAP clients and providers.

Deadline Reminders

2020 Open Enrollment begins on November 1 and ends on December 15 for states that use HealthCare.gov.

These states have their own state-based health insurance exchange and have extended 2020 Open Enrollment dates to:

California: January 15, 2020

Colorado: January 15, 2020 

Massachusetts: January 23, 2020

Minnesota: December 23, 2019

New York: January 31, 2020

Rhode Island: December 31, 2019

Washington D.C.: January 31, 2020

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