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Oh, yeah: #ACA Open Enrollment is happening NOW! Here's 7 important things to remember. http://acasignups.net/20/11/11/oh-yeah-open-enrollment-i-happening-now-heres-7-important-things-remember
1. DON'T MISS THE DEADLINE! In most states you have until December 15th to #GetCovered, but 10 states have a later deadline:
CA: Jan. 31
CO: Jan. 15
DC: Jan. 31
MA: Jan. 23
MN: Dec. 22
NV: Jan. 15
NJ: Jan. 31
NY: Jan. 31
PA: Jan. 15
RI: Jan. 23
CA: Jan. 31
CO: Jan. 15
DC: Jan. 31
MA: Jan. 23
MN: Dec. 22
NV: Jan. 15
NJ: Jan. 31
NY: Jan. 31
PA: Jan. 15
RI: Jan. 23
2. MAKE SURE YOU ENROLL IN AN ACA-COMPLIANT PLAN! Use the official ACA exchange or an *authorized* 3rd-party site *which only sells ACA-compliant plans*!
CA: https://www.coveredca.com/
CO: https://connectforhealthco.com/
CT: https://www.accesshealthct.com/AHCT/LandingPageCTHIX
DC: https://www.dchealthlink.com/
CA: https://www.coveredca.com/
CO: https://connectforhealthco.com/
CT: https://www.accesshealthct.com/AHCT/LandingPageCTHIX
DC: https://www.dchealthlink.com/
ID: https://www.yourhealthidaho.org/
MD: https://www.marylandhealthconnection.gov/
MA: https://www.mahealthconnector.org/
MN: https://www.mnsure.org/
NV: https://www.nevadahealthlink.com/
NJ: https://nj.gov/getcoverednj/
NY: https://nystateofhealth.ny.gov/
PA: https://pennie.com/
RI: https://healthsourceri.com/
VT: https://portal.healthconnect.vermont.gov/
MD: https://www.marylandhealthconnection.gov/
MA: https://www.mahealthconnector.org/
MN: https://www.mnsure.org/
NV: https://www.nevadahealthlink.com/
NJ: https://nj.gov/getcoverednj/
NY: https://nystateofhealth.ny.gov/
PA: https://pennie.com/
RI: https://healthsourceri.com/
VT: https://portal.healthconnect.vermont.gov/
3. THE MANDATE PENALTY IS STILL AROUND IN 4 STATES +DC!
The federal penalty may be gone, but CALIFORNIA, DC, MASSACHUSETTS, NEW JERSEY and RHODE ISLAND charge their own financial penalty for those who don't #GetCovered (unless they have an exemption).
The federal penalty may be gone, but CALIFORNIA, DC, MASSACHUSETTS, NEW JERSEY and RHODE ISLAND charge their own financial penalty for those who don't #GetCovered (unless they have an exemption).
4. YOU MAY QUALIFY FOR TAX CREDITS IN 2021 EVEN IF YOU DIDN'T IN 2020...WHICH COULD SAVE YOU THOUSANDS!
The federal poverty level increases $1,080 for single adults & $1,800 for a family of 4 next year, so more people could qualify for up to thousands of dollars in savings.
The federal poverty level increases $1,080 for single adults & $1,800 for a family of 4 next year, so more people could qualify for up to thousands of dollars in savings.
5. RESIDENTS OF 4 STATES MAY QUALIFY FOR *ADDITIONAL* SAVINGS!
VT & MA have extra savings to those earning <300% FPL.
CA offers extra subsidies to those earning 200-400% FPL & expanded subsidies to those earning 400-600% FPL.
NJ is offering savings to *all* exchange enrollees.
VT & MA have extra savings to those earning <300% FPL.
CA offers extra subsidies to those earning 200-400% FPL & expanded subsidies to those earning 400-600% FPL.
NJ is offering savings to *all* exchange enrollees.
6. THANKS TO "SILVER LOADING", SOME PEOPLE QUALIFY FOR ZERO-PREMIUM BRONZE PLANS...OR EVEN ZERO-PREMIUM *GOLD* PLANS!
It's a long, stupid story, but the bottom line is that due to the complex way ACA subsidies are calculated, millions qualify for dirt-cheap ACA policies.
It's a long, stupid story, but the bottom line is that due to the complex way ACA subsidies are calculated, millions qualify for dirt-cheap ACA policies.
7. WHATEVER YOU DO, DO *NOT* LET YOURSELF BE "PASSIVELY" AUTO-RENEWED.
Some policy details, premiums, tax credits etc. change dramatically from year to year even if your own situation is the same (and many people's situations have changed dramatically lately). SHOP AROUND.
Some policy details, premiums, tax credits etc. change dramatically from year to year even if your own situation is the same (and many people's situations have changed dramatically lately). SHOP AROUND.
ONE MORE THING: Don't let the #TexasFoldem lawsuit (CA v. TX) scare you off of making sure to #GetCovered!
1. There's no way of knowing how they'll rule--there's a good chance SCOTUS will rule against the plaintiffs or will make a small change which doesn't impact anything else.
1. There's no way of knowing how they'll rule--there's a good chance SCOTUS will rule against the plaintiffs or will make a small change which doesn't impact anything else.
2. There's a chance that Democrats will be able to render the entire case moot by passing a simple bill to save the law long before SCOTUS issues their ruling anyway.
3. There's a chance SCOTUS would kick the case back down the line again & it'll bounce around for years.
3. There's a chance SCOTUS would kick the case back down the line again & it'll bounce around for years.
4. There's a (small) chance SCOTUS would issue a stay of their own order until 2022.
5. EVEN IN A WORST-CASE SCENARIO, the decision isn't expected until April, May or June 2021. Even 4-6 months of coverage is still better than zero months of coverage, especially in a pandemic!
5. EVEN IN A WORST-CASE SCENARIO, the decision isn't expected until April, May or June 2021. Even 4-6 months of coverage is still better than zero months of coverage, especially in a pandemic!
SPEAKING OF THE LAWSUIT, here's my write-up about how the oral arguments went before the #SCOTUS on Nov. 10th.
Short version: It *seemed* to go pretty well for the defense & poorly for the plaintiffs...but that doesn't guarantee anything: http://acasignups.net/20/11/10/texas-foldem-goes-scotus
Short version: It *seemed* to go pretty well for the defense & poorly for the plaintiffs...but that doesn't guarantee anything: http://acasignups.net/20/11/10/texas-foldem-goes-scotus
