Unpacking the Affordable Care Act final
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Co-presented with Georgia Watch at the 2015 State of Public Health conference
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Unpacking the Affordable Care Act final
- 1. Unpacking the Affordable Care Act AND ITS IMPACT IN GEORGIA ELISE BLASINGAME, GEORGIA WATCH & LAURA COLBERT, GEORGIANS FOR A HEALTHY FUTURE
- 2. Who We Are: Georgia Watch State-wide consumer advocacy organization. Programmatic focus areas in healthcare access, consumer energy, financial protection and civil justice. Operated a navigator program as part of the Seedco Consortium in OE1 and OE2. Provided specific expertise on complex tax filing issues related to ACA and advanced issues with Marketplace appeals. Georgians for a Healthy Future State-wide consumer health advocacy organization Vision: A day when every Georgian has access to the quality, affordable health care that they need to live healthy lives and contribute to the health of their communities Provide enrollment and post- enrollment assistance, as well as policy recommendations and advocacy related to a variety of health policy issues
- 3. Marketplace Basics: Georgia has a Federally- Facilitated Marketplace Income between 100-400% of the FPL were eligible to receive an Advanced Premium Tax Credit (APTC) Income between 100-250% FPL qualified for cost- sharing reductions (less costly; higher value plans)
- 4. Providers Offering Marketplace Plans in Georgia During OE1/OE2
- 6. Organizations Providing Enrollment Assistance During OE1/OE2 65+ Certified Application Counselor Organizations 48 Navigator Organizations Federal Grantees HRSA Grantees Organizations with chronic disease management focus
- 7. Enrollment in Georgia ENROLLMENT OE1 ENROLLMENT OE2 316,543 541,080 During Open Enrollment 2 (2014-2015) Nearly 9 in 10 Georgians qualified for an advanced premium tax credit 45% re-enrolled from the previous year Organizations with chronic disease management focus 55% were new enrollees to the Marketplace Effectuated enrollment for OE2: 83.7% (452,815)
- 8. Enrollment in Georgia: By County (OE2)
- 9. Enrollment in Georgia: Cost The average premium paid for an individual plan after tax credits were applied was $73/month
- 11. Challenges to Enrollment Initial issues with healthcare.gov during OE1 Limited health insurance literacy among consumers Immigrants faced language and verification issues Confusion and political opposition to ACA hindered partnerships Consumers who fall into the coverage gap cannot access affordable care
- 13. Challenges Post-Enrollment Income and citizenship verification issues with the Marketplace Healthcare providers denying ‘Obamacare’ plans. Tax-filing issues related to consumers who received an excess tax credit. Miscommunication between health insurance providers and the Marketplace.
- 14. Successes Using a variety of local venues to conduct outreach and organize enrollment events Leveraging the support of existing partnerships for outreach Developing trust with consumers Strategic media through local outlets VITA Tax Preparer & Seedco Navigator Debrief Grady Navigator assists recently terminated Fulton County Employees
- 15. So When is Open Enrollment? Nov. 1, 2015 Jan. 31, 2016 Nov. 15, 2014 Feb. 15, 2015 Oct 1., 2013 March 31, 2014 OE1 OE2 OE3 March 15 – April 30, 2015 TAX PENALTY SEP April 17, 2014
- 16. Open Enrollment 3 (OE3) New navigator organizations Focus on hard-to-reach populations Georgia: one of the top 10 markets for eligible but uninsured consumers Atlanta: Top market for eligible, but uninsured African-Americans Georgia-specific outreach & education materials
- 17. Questions? Elise Blasingame Director of Community Education & Financial Protection Georgia Watch 404-525-1085 eblasingame@georgiawatch.org Laura Colbert Community Outreach Manager Georgians for a Healthy Future 404-567-5016, ext. 2 Lcolbert@healthyfuturega.org
Editor's Notes
- Laura & Elise
- Elise
- Elise: During OE2, nine Georgia insurance carriers offered health plans on the Marketplace, up from five carriers during the first open enrollment period. Of the nine insurance carriers offering plans during OE2, three offered plans statewide (in OE1, there was only one statewide carrier), providing both meaningful choice for consumers throughout Georgia and healthy competi- tion, which kept premium growth low. It should also be noted that insurance companies typically offer more than one plan, and in some cases they offer multiple plans within each metal tier.
- Georgians for a Healthy Future surveyed navigators, community partners, and other enrollment stakeholders to assess the successes and barriers to outreach & enrollment during OE1 & OE2. Also, collected secondary data from Enroll America, HHS, and GA’s DOI.
- Laura—full list of organizations found in the report.
- GA was 4th highest state for enrollment
- Laura: Enrollment in these ten counties comprised 58.4 percent of total enrollment in Georgia. Eight of these counties are in the metropolitan Atlanta area, and together these ten counties are home to approximately 46.5 percent of Georgia’s population. Georgia has 159 counties in total.
- Laura
- Light yellow is 8 companies The dark blue grey is 3 companies. Increased competition during OE2, as compared to OE1.
- Many consumers had limited health insurance literacy More than 2/3 of survey respondents identified low health insurance literacy as a barrier to enrollment Immigrants faced verification and language barriers Identity verification issues were reported as the biggest barrier to enrollment for immigrants Key terms and concepts associated with health insurance do not translate well in other languages Confusion and political opposition to the ACA hindered partnerships HB 943, “Health Care Freedom Act,” passed in 2014, prohibiting state and local government agencies from operating a navigator program This led to confusion among health departments and other government agencies about their participation in enrollment assistance Many consumers fell into the coverage gap Some assister organizations estimated that over half of the consumers that they worked with fell into the gap
- Elise
- Elise
- Elise
- Laura