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Federally Facilitated Marketplace FAQ

A frequently asked questions document about the Federally Facilitated Marketplace in Missouri is available for those who have questions about the state of the marketplace. The .pdf attachment contains the MHA logo and color pallet, and the .docx attachment is an exact duplicate, which can be revised to fit your facility's style and needs.

Open Enrollment

The open enrollment period of the health care marketplace ran from Wednesday, Nov. 1, through Friday, Dec. 15, 2017. Coverage will be effective Jan. 1, 2018. Following are some important things to note about enrollment this year:

  • The open enrollment period was shortened a full 45 days fewer than in previous years.
  • The Trump administration reduced the budget for promoting health insurance enrollment opportunities and funding for enrollment assisters.
  • There has been a change in the insurers for most Missouri counties for 2018.

  • Weekly Snapshot
  • Partners
  • Policy Information
HealthCare.gov Platform Snapshot

Every week during Open Enrollment, the Centers for Medicare and Medicaid Services will release enrollment snapshots for the HealthCare.gov platform. Enrollment weeks are measured Sunday through Saturday.

 HealthCare.gov Platform Snapshot

 Week 6, Dec. 3 - 9
Cumulative, Nov. 1 - Dec. 9
 Plan Selections
1,073,921
4,678,361
 New Consumers
388,984
1,378,476
 Consumers Renewing Coverage
684,937
3,299,885
 Consumers on Applications Submitted 1,318,767
7,286,855
 Call Center Volume
1,001,594
4,363,201
 Calls with Spanish Speaking Representative
79,756
324,666
 HealthCare.gov Users
3,489,194
13,985,130
 CuidadoDeSalud.gov Users
137,570
486,404
 Window Shopping HealthCare.gov Users
270,072
1,386,829
 Window Shopping CuidadoDeSalud.gov Users
7,277
28,651


 

For additional information, visit the CMS website.


Cover MissouriCoverMissouri
The Cover Missouri Coalition has a wealth of resources available for use, with more being added. They are available free of charge. Also, the coalition is hosting Rock Enrollment events throughout the state all day on Saturday, Nov. 4. You can also be added to the Cover Missouri social media calendar by emailing mfh@fleishman.com. Draft posts with artwork are posted every couple of weeks.

American Hospital AssociationAHA
The American Hospital Association also has a number of resources available for hospitals to use, including 30 and 60 second videos in English and Spanish, infographics and other content that can be customized, and talking points for use when engaging with other stakeholders.

 2018 Marketplace Premiums Released

The Trump Administration released the 2018 premiums for plans sold on Healthcare.gov

As expected, the premiums for people who receive premium tax credits will not increase significantly. In fact, they will decrease by 2.7 percent to just $201 per month for a 40-year-old non-smoker who earns $30,000 a year. Almost 90 percent of Missourians who purchase Marketplace plans receive premium tax credits that reduce the price they pay for insurance. These premium tax credits continue to protect consumers from premium increases.

Those who do not receive a premium tax credit will see a 12 to 50 percent increase in the cost for a Benchmark Silver plan, with an average increase of 37 percent across Missouri. Columbia has the lowest premium increases at 12 percent, and St. Louis has the highest at 50 percent.

Executive Order Promoting Healthcare Choice and Competition Across America

Find the order here.

What you need to know:

The President's executive order prioritizes changes and restructuring to three types of insurance options, none of which are required to cover essential health benefits or preexisting conditions:

  • Association Health Plans
  • Short-term, Limited-duration Insurance
  • Health Reimbursement Arrangements

U.S. Departments of Treasury, Labor, and Health and Human Services are tasked with various responsibilities to review the above three systems and have 60 days to consider changes to guidance or regulations. Their charges include allowing more employers to form AHPs, promoting AHP formation, expanding availability of STLDIs, considering lengthening the coverage time frame of STLDIs, increasing the usability of HRAs, and expanding employers’ ability to offer HRAs.

Public comment is to be considered on any regulations proposed.

Announcement on End to Cost-Sharing Reduction Payments to Insurance Companies

Learn more here.

What you need to know:

The Administration will immediately stop making cost-sharing reduction payments to insurance companies that sell Marketplace plans.

These payments, known as CSRs, were created as part of the Affordable Care Act to help offset the cost of providing coverage for lower income individuals and families.

There has been no change to the ACA requirements that individuals obtain health insurance coverage or that insurance companies provide discounts to low-income consumers.

Insurers have said CSR payments are critical, and that without them they will have to significantly increase premiums or leave the Marketplace.

In August, the Congressional Budget Office said ending CSRs could result in the following.

  • Leave about 1 million additional people uninsured
  • Raise premiums for Marketplace plans by about 20 percent
  • Increase the federal deficit by $194 billion through 2026