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Q. What is the deadline to enroll in health insurance coverage for 2020? A. In almost every state, open enrollment runs from November 1 to December 15, 2019, with all plans effective January 1, 2020. California, Colorado, & DC have permanently extended open enrollment. Massachusetts, New York, Rhode Island, and Minnesota have extended it for 2020 enrollment and other state-run exchanges might opt to follow suit.
A guide to individual health insurance in Texas, including its marketplace, open enrollment dates, insurers, Medicaid expansion, short-term regulations and Medicare.
For 2020, Oscar expanded its coverage area once again, and all eight insurers remained in the exchange. Average rates decreased slightly, on the heels of a slight rate increase in 2019 (but after growing sharply in 2018 and 2019).
Medica and Wellmark are selling plans statewide in Iowa's exchange for 2020, and average premiums decreased for the second year in a row. But Iowa also allows Farm Bureau/Wellmark to sell unregulated medically underwritten plans outside the exchange, which results in fewer healthy people in the ACA-compliant risk pool.
Arkansas transitioned to a state-based exchange in 2017, but is continuing to use the Healthcare.gov enrollment platform. However, the Arkansas Insurance Department is now running the exchange, after legislation was enacted in 2019 to abolish the separate exchange entity. Four insurers are offering plans for 2020, with an average rate increase just over 2%. But average benchmark premiums are decreasing by 3%, which means some enrollees are seeing higher after-subsidy premiums.
A guide to individual health insurance in Arkansas, including its marketplace, open enrollment dates, insurers, Medicaid expansion, short-term regulations and Medicare.
A guide to individual health insurance in Iowa, including its marketplace, open enrollment dates, insurers, Medicaid expansion, short-term regulations and Medicare.
A health savings account is a tax-advantaged savings account combined with a high-deductible health insurance policy to provide an investment and health coverage. Deposits to the HSA are tax-deductible and grow tax-free. Withdrawals are always tax-free if they're used for qualifying medical expenses, although they account can be used like a traditional IRA after age 65, with withdrawals subject to regular income tax.
Headlines in this edition of The Scoop: In most states, open enrollment ends Sunday; 4.7 million uninsured Americans could get FREE coverage; Virginia pauses implementation process for Medicaid work requirement; Michigan still on track to have Medicaid work requirement in January; Health reform bills pre-filed for 2020 legislative sessions; California brokerage markets sharing ministry plans as short-term plans; Lawmaker wants Indiana’s short-term law to be template for other states.
The Kansas Medicaid program — which is called KanCare — has not been expanded under the ACA. Legislation to expand coverage passed in 2017, but then-Gov. Sam Brownback vetoed it. Gov. Laura Kelly supports Medicaid expansion and an expansion bill passed the House in 2019. But it did not advance to a vote in the Senate. Senate Democrats have pre-filed an expansion bill for consideration in 2020.