The Pardu

The Pardu
Watchful eyes and ears feed the brain, thus nourishing the brain cells.
Showing posts with label Open enrollment. Show all posts
Showing posts with label Open enrollment. Show all posts

Saturday, February 14, 2015

ObamaCare Open Enrollment Period 2015.....Viva La ACA

As the Open Enrollment period for the Affordable Care Act (ACA) approaches Charles Gaba has updated his long running ACA enrollment tracking charts. The ACA continues to help people well over 10 million Americans with medical care coverage, lower cost medial care coverage, coverage for millennials through age 26, or the prospect of lower cost coverage if the person wishes to give-up on high risk high deductible plans.

If you are not a strict follower of the ACA signups website or a Gaba Twitter follower, the following glossary may help understand the charts.


  • QHP: Qualified Healthcare Plan. These are ACA-compliant healthcare policies which may be purchased either via the Exchanges or Off-Exchange.
  • SHOP: The ACA's Small Business Health Options Program. Basically this is similar to the individual/family exchanges, except for small businesses. Only available in a handful of states right now, but the policies purchased via the SHOP program are fully ACA/QHP compliant.
  • Woodworkers: People who already qualified for Medicaid even before the ACA expansion rules kicked in (even in non-expansion states), who have enrolled since 10/1/13 but didn't prior to that due to either not knowing they qualified, not knowing how to enroll, being embarrassed/fearful of a stigma for signing onto Medicaid, etc. These people have been "drawn out of the woodwork" since October to enroll. Hard to quantify since it involves guessing at individual motive, but definitely there from the increase of Medicaid tallies even in non-expansion states.
  • #OE1 & #OE2 (Open Enrollment 1 & Open Enrollment 2): #hashtags that I'm hoping will trend in order to distinguish the 2015 ACA Open Enrollment Period from the 2014 period.

ACA EXCHANGE Qualified Health Policy (QHP) Enrollments:

ACA-Enabled MEDICAID/CHIP Enrollments:


Monday, September 30, 2013

Connect The Dots USA: Obamacares!

As we move full implementation of the Affordable Care Act, Connect The Dots USA helps with Information.

Connect The Dots USA

Now that we’ve gone through all the important parts of Obamacare, you all are ready for open enrollment that starts this Tuesday Oct 1st. When the ACA passed three-and-a-half years ago, this day seemed an eternity away. Now we’re down to mere hours. Hooray, hooray!

If you want to help dispel the lies and spread good information to folks in your community, I created this handy “ACA Basics” flyer.

Next, I’ll post the “ACA Tax Credits” flyer I print on the back of the sheet. You can print them in grayscale to save money. Uninsured folks, as well as people currently buying in the non-group market or thinking of changing jobs or retiring early, like looking up their household size and income to see how affordable even the maximum premium might be. All have been quite pleasantly surprised — especially if they are eligible for the Medicaid expansion. 

I go to busy public events with my bright yellow sign that reads “Obamacare: What‘s In It For You?” Get The Facts Here” on one side; and on the other side “Are You Eligible for Obamacare Tax Credits? Enrollment Opens Oct. 1.” That garners attention.

Just this week, I had a few dozen people at the University of Arizona campus and at a community fair come up to me full of questions and, sadly, full of misinformation. One lady was at first angry and afraid she was going to jail because she couldn’t afford to buy health insurance. Within a few minutes of talking, she discovered not only is she not going to jail (there is no criminal penalty for failure to pay the penalty) but she’s most likely eligible for the Medicaid expansion. Instead of jail, she’ll be getting excellent health coverage for zero premiums. Talk about coming down off the ledge!

You can find higher resolution JPGs here:

Or PDF format here (use Pages 1 & 2)

Sunday, September 22, 2013

Connect The Dots USA: Combating Misinformation and "Not Knowing"

Re-post from Connect The Dots USA

Connect The Dots USA
The ACA was designed to cover roughly 16 million of the uninsured with the expansion of Medicaid by increasing the eligibility income to 138% of federal poverty level (FPL). That includes individuals with incomes currently up to about $15,800 and families of four with incomes up to about $32,500. 

To avoid placing undue burden on struggling states, the expanded portion of Medicaid will be 100% financed by the federal government for the first three years (2014 to 2016), phasing down to 90% by 2020. So the more Scrooge-like your state was in regards to Medicaid eligibility when the ACA passed in March 2010, the more money your state stands to get from the federal government to insure all the new eligibles under the Medicaid expansion. In other words, under this deal, the meanest states reap the most rewards.

Low and middle-income folks with incomes higher than 138% of FPL — for example individuals with incomes up to about $46,000 and families of of four up to about $94,200 — who cannot get qualified insurance through their employer or who are not eligible for a government program like Medicare, VA or Tricare, will have access to a sliding scale of tax subsidies to help purchase private policies on the new health insurance exchanges.

We’ll take a closer look at those tax credits in a post coming up shortly.

Mark your calendars: Open enrollment starts Oct 1st, 2013 (that’s in about 1 week!), with coverage starting as soon as Jan 1st, 2014 if you get enrolled and make your first payment by Dec. 15th, 2013.