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CMS Extends
Open Enrollment Period and Launches Initiatives to Expand Health Coverage
Access Nationwide
New actions
will create new enrollment opportunities for low-income people, expand
services provided by Navigators, and re-launch Champions for Coverage
program
The Biden-Harris Administration, through the Centers for
Medicare & Medicaid Services (CMS), is taking a number of steps that
will make it easier for the American people to sign up for quality,
affordable health coverage and reduce health disparities in communities
across the country. Beginning this year, consumers will have an extra 30
days to review and choose health plans through Open Enrollment, which will
run from November 1, 2021 through January 15, 2022, on HealthCare.gov. CMS
is also expanding services provided by Federally-facilitated Marketplace
(FFM) Navigators—experts who help consumers, especially those in
underserved communities, understand their benefits and rights, review
options, and enroll in Marketplace coverage. Additionally, CMS will
re-launch its “Champions
for Coverage” program. The program currently
includes more than 1,000 local organizations that are active in
providing outreach and education about the Health Insurance
Marketplace and how consumers can enroll in coverage through
HealthCare.gov, Medicaid, or the Children’s Health Insurance Program
(CHIP).
“We’re continuing to answer the clear call from the American
public for affordable, accessible care,” said Health and Human Services
Secretary Xavier Becerra. “The Biden-Harris Administration has already made
historic investments to help connect communities to coverage. By continuing
to build a policy framework that can support this momentum, we’re also
building back better for communities in need.”
“Health care is a basic human right, and the Biden-Harris
Administration is committed to making health coverage more accessible than
ever. With the Affordable Care Act and the American Rescue Plan, the
President has brought affordable health coverage to millions—many of whom
now have insurance for the first time,” said CMS Administrator Chiquita
Brooks-LaSure. “Today’s action to extend the Open Enrollment Period by a
month, to continue our investment in local health care Navigators, and to
establish a special enrollment period for many low-income people further
demonstrates our commitment to connect families to coverage.”
Today’s final rule on the 2022 Payment Notice expands
Navigator services to help reduce health disparities. Navigators in FFMs
will now provide consumers with information and assistance on certain
post-enrollment topics, such as the Marketplace-eligibility appeals process
and Marketplace-related components of premium tax credit reconciliation. CMS
will support more outreach and engagement through modest increases to
Marketplace issuer user fee rates. All 2022 Marketplace user fee rates
remain lower than those for 2021, which should help keep premiums low.
Additionally, four times as many Navigators—1,500 in all—will be available
for consumers who use HealthCare.gov for the 2022 plan year thanks to $80
million in grant funding provided earlier this year by CMS.
To enhance these efforts, CMS will
connect this work to the Champions for Coverage program, a community
initiative to spread the word about Open Enrollment with educational
resources and “event-in-a-box” materials. Organizations can learn more
about becoming Champions for Coverage by visiting: https://marketplace.cms.gov/technical-assistance-resources/assister-programs/champion.
“We invite national and local organizations representing
uninsured communities to join the Biden-Harris Administration as we work to
share the peace of mind that comes with health coverage,” observed
Administrator Brooks-LaSure. “Champions for Coverage know their communities
best. CMS is committed to listening to and working with our community
partners as we embark on our most robust outreach and engagement campaign
in the agency’s history.”
In addition to extending the Open
Enrollment Period and supporting the work of Navigators, CMS established a
new monthly special enrollment period targeting certain low-income
individuals in Marketplaces through HealthCare.gov. This opportunity
provides the vast majority of eligible consumers with one or more options
to enroll in free or very low-cost plans thanks to provisions in the American
Rescue Plan.
The provisions CMS announced today
also include important flexibilities for state partners. For example, state
Marketplaces with their own eligibility and enrollment platforms will be
able to set their own annual Open Enrollment Period end dates, so long as
these dates are on or after December 15, 2021. More
details on these and other components of the 2022 Payment Notice can be
found in the fact sheet available here: https://www.cms.gov/newsroom/fact-sheets/patient-protection-and-affordable-care-act-updating-payment-parameters-section-1332-waiver.
Today’s “Patient Protection and Affordable Care Act; Updating
Payment Parameters, Section 1332 Waiver Implementing Regulations, and
Improving Health Insurance Markets for 2022 and Beyond” final rule
completes the rulemaking process for the 2022 Payment Notice, which
included parts
1 and 2
issued on January 19 and May 5, 2021, respectively. To view the rule
released today, please visit: https://www.cms.gov/files/document/cms-9906-f-nbpp-webposting-version.pdf.
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