Final Rules CMS 9929 F 139 Pages

Market Stabilization PDF
Market Stabilization PDF

 

Open Enrollment for 2018, the period of time when you can start or change your plan for any reason, for Individuals & Families starts 11.1.2017 will end 12.15.2017 with a 1.1.2018 effective date Modern Health Care 4.13.2017 * CMS.Gov 4.13.2017  * Amazonaws.com .  This is to allevige concerns the Insurance Companies have about enrolling sick people at the last minute.

We are awaiting official word for the rules in California.

Complementary Quotes & Subsidy Calculation

If you need coverage NOW and it’s not Open Enrollment –

Please review all the Qualifying Events and let’s see if you are eligible

The Rule Making Process 11 pages pdf

If you have a comment to make, now is the time, as commenting ends 3.7.2018.   Special Enrollments outside of Open Enrollment will be checked out – vetted way more than before.  Be very careful about not paying your premium on time!  Health Plans also won’t be limited to Metal Levels?

Learn More ==> Yubanet.com * Modern Health Care.com  * Actual Rule CMS -9929 – P  71 Pages * Our website on Donald Care * Federal Register  * CMS.gov Press Release  * HHS.Gov *

WHY???  Since coverage under Health Care Reform is mandatory and guaranteed issue, 42 U.S. Code § 300gg there are only certain times one can get coverage, to stop people from buying in on the way to the ER, then cancelling after their surgery or other expenses.  The Insurance Companies or Medi-Cal need to take in some $$$ to pay claims.  See also Medical Loss Ratio.

Executive Summary

1. Initial and annual open enrollment periods (§155.410)

coverage has not yet been terminated) could owe up to 3 months of premium, net of any APTC paid on their behalf to the issuer.
We propose to amend paragraph (e) of §155.410, which provides the dates for the annual Exchange open enrollment period in which qualified individuals and enrollees may apply for or change coverage in a QHP. In prior rulemaking, we established that the open enrollment period for the benefit year beginning on January 1, 2018 would begin on November 1, 2017 and extend through January 31, 2018; and that the open enrollment period for benefit years beginning on January 1, 2019 and beyond would begin on November 1 and extend through December 15 of the calendar year preceding the benefit year.7 We noted at the time that we believe that, as the Exchanges continue, a month-and-a-half open enrollment period provides sufficient time for consumers to enroll in or change QHPs for the upcoming plan year. We also noted that this timeframe would achieve our goals of shifting to an earlier end date for open enrollment so that all consumers who enroll during this time will receive a full year of coverage, which will simplify operational processes for issuers and the Exchanges. We also believe that this shorter open enrollment period may have a positive impact on the risk pool because it will reduce opportunities for adverse selection by those who learn they will need services in late December or January. While we originally included a longer transition period before moving to this shorter open enrollment period, we believe that the market and issuers are ready for this adjustment sooner. Therefore, we propose to amend §155.410(e) to change the open enrollment period for plan year 2018 so that it begins on November 1, 2017, and ends on December 15, 2017. All consumers who select plans on or before December 15, 2017 would receive an enrollment effective date of January 1, 2018, as already required by §155.410(f)(2)(i). We believe that this open enrollment period would align better with many open enrollment periods for employer-
based coverage, as well as the open enrollment period for Medicare. We would intend to conduct

7 81 FR 12203, 12273.
extensive outreach to ensure that all consumers are aware of this change and have the opportunity to enroll in coverage within this shorter time frame.
We seek comment on this proposal, in particular on the capacity of State-based Exchanges to shift to the shorter open enrollment period for the 2018 plan year, on the effect of the shorter enrollment period on issuers’ ability to enroll healthy consumers, and any difficulties agents, brokers, navigators and assisters may have in serving consumers seeking to enroll during this shorter time period.

4. Section 155.410 is amended by revising paragraphs (e)(2) and (3) to read as follows:
§155. 410 Initial and annual open enrollment periods
* * * * *
(e) * * *
(2) For the benefit years beginning on January 1, 2016 and January 1, 2017, the annual open enrollment period begins on November 1 of the calendar year preceding the benefit year, and extends through January 31 of the benefit year.
(3) For the benefit years beginning on January 1, 2018 and beyond, the annual open enrollment period begins on November 1 and extends through December 15 of the calendar year preceding the benefit year.

Pod Cast on Obamacare – Q & A

Unfortunately, rates overall are going up 13%  Learn More==>  Covered CA Press Release 7.19.2016

Get your quote and subsidy calculation NOW!  
Appoint us as your Covered CA Agent – NO CHARGE!

Breaking News

We still have 10.5 M unisured – hopefully they will sign up this year  Washington Post 9.2015 .

Other Pages on what do to if you missed Open Enrollment.

See menu above

 

Historical

Open Enrollment for 2017, the period of time when you can start or change your plan for any reason, for Individuals & Families starts 11.1.2016 with a 1.1.2017 effective date as long as you apply by 12.15.2016, otherwise it’s the 1st of the next month as long as you apply by the 15th 1399.849 f 3 and runs through 1.31.2017  CMS rule. 9937 F

Open Enrollment for 2016,  starts 11.1.2015 with a 1.1.2016  1399.849 f 3 and runs through 1.31.2016  CMS rule.

Covered CA extends Open Enrollment till the 17th!  CA Health Line

 

 

 

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