December 9, 2022
26 minute read

Healthcare Reform News Updates

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Below is a summary of recent events to help you stay current on healthcare reform news all in one place.

Healthcare Reform News Update for December 8, 2022

North Carolina extends Medicare enrollment deadline after power outage 

Residents eligible for Medicare in Moore County North Carolina will have an additional two months to enroll or make changes to existing plans, according to the North Carolina Insurance Commission.

The Special Enrollment Period was granted after a widespread power outage beginning December 3, 2022, caused 45,000 homes and businesses to lose power, just days before the December 7, 2022 Medicare enrollment deadline.

The Federal Bureau of Investigation is currently seeking information related to the shooting of two electrical substations managed by Duke Energy that caused the power outage.

“Medicare beneficiaries that were impacted by the mass power outage can enroll in or make changes to their Medicare health or prescription drug plan through February 8, 2023,” said North Carolina Insurance Commissioner Mike Causey.


Healthcare Reform News Update for December 7, 2022

5.5 million enroll in Marketplace health plans since November 1

Since ACA Marketplace Open Enrollment began on November 1, 2022, and estimated 5.5 million people have signed up for health plans, according to the Centers for Medicare & Medicaid Services.

Most of the 5.5 million enrollments for the 2023 health insurance plan year were completed through the HealthCare.gov platform in 33 Marketplaces.

About 598,000 enrollments were completed through state-based Marketplaces in 18 states, and individual-state enrollment platforms in 17 states, including the District of Columbia.

Current ACA Marketplace Open Enrollment data also shows:

  • New customers. About 1.2 million people who signed up for 2023 health plans have not obtained health insurance through the Marketplace before.
  • Returning customers. Most of the 5.5 million to select a health plan for coverage in 2023 are returning customers, which is currently about 4.3 million.

“Providing quality, affordable health care options remains a top priority,” says Centers for Medicare & Medicaid Services CMS Administrator Chiquita Brooks-LaSure. “We are incredibly pleased to see continued strong enrollment numbers in this second snapshot report, especially the increase in new enrollees.”

The ACA Marketplace Open Enrollment period continues through January 15, 2023 for states on the federal Marketplace.

For a complete list of open enrollment deadlines by state, see: When Is Open Enrollment?


Healthcare Reform News Update for December 1, 2022

SHOP program helps small businesses during ACA Open Enrollment

Small businesses are getting a little help to evaluate health insurance options for employees during ACA Open Enrollment.

The Center for Medicare & Medicaid Services will host Small Business Week of Action December 4 through December 10 to help small businesses during Open Enrollment.

The program called SHOP (Small Business Health Options Program) is designed to help small businesses in the United States with a staff of 1 to 50 employees review and understand their health insurance options.

SHOP resources help make it easy for small business owners to:

  • Calculate employee eligibility and/or full-time equivalent employees
  • Review Small Business Health Care Tax Credit benefits and eligibility
  • Determine minimum participation rate for eligibility
  • Provide additional health insurance subsidies after the “Family Glitch” in the Affordable Care Act was fixed earlier this year.
  • Access health and dental insurance plans for small businesses that qualify

“When employees or business owners have health insurance, they have the peace of mind that comes with knowing they have coverage and can access care when they need it,” according to the Centers for Medicare & Medicaid Services.


Healthcare Reform News Update for November 30, 2022

3.4 million sign up for health plans in first month of Open Enrollment

Since the start of the 2023 Marketplace Open Enrollment period on November 1, more than 3.4 million people have signed up for health plans, according to the U.S. Department of Health and Human Services.

Enrollment data show a 17% increase in total plans selected over last year. And more people are signing up for plans through the Marketplace for the first time.

“Providing quality, affordable health care options remains a top priority,” says Centers for Medicare & Medicaid Services Administrator Chiquita Brooks-LaSure. “The numbers prove that our focus is in the right place. In the first weeks of Open Enrollment, we have seen an increase in plan selections and a significant increase in the number of new enrollees over the previous year.”

Current enrollment data for all states through November 19 shows:

  • Total enrollment (all states): 3,380,540
  • New consumers: 654,858*
  • Returning consumers: 2,725,682

*New consumers enrolling in health plans through the Marketplace are up nearly 40%, according to the U.S. Department of Health and Human Services.

Open enrollment deadlines

The 2023 Marketplace Open Enrollment Period continues through January 15, 2023 for states using the HealthCare.gov platform.

For State-Based Marketplace dates and deadlines for open enrollment, see: When is Open Enrollment 2023?


Healthcare Reform News Update for November 20, 2022

Open enrollment up 40% compared to last year

Three weeks after Open Enrollment began November 1, 2022, through the Health Insurance Marketplace, enrollment is up 40 percent compared to last year, according to U.S. Department of Health and Human Services data.

In early 2022, an estimated 16.9 million people were enrolled in health plans through the Marketplace. Open Enrollment for 2023 is expected to surpass 2022, based on a variety of factors including:

“We are off to a strong start,” says U.S. Department of Health and Human Services Secretary Xavier Becerra, “and we will not rest until we can connect everyone possible to health care coverage this enrollment season.”

Marketplace Open Enrollment runs from November 1, 2022, to January 15, 2023.


Healthcare Reform News Update for November 18, 2022

FTC warns of Medicare scams during open enrollment 

An estimated 64 million people will enroll in Medicare plans during the open enrollment period that runs through December 7, 2022. . And scammers know it, according to the Federal Trade Commission.

The FTC recently warned consumers shopping for Medicare plans that scammers are actively trying to steal:

  • Money
  • Medicare information
  • Identify

The most common method Medicare scammers use

Is the phone ringing? Before you answer it, the FTC wants you to know it’s the most common method Medicare scammers use to steal money and information.

“Scammers may sound professional, say they’re from Medicare, and have your personal details,” according to the FTC. “But in reality, they’re trying to steal your money, Medicare information, or your identity.”

For people shopping for a Medicare plan, the FTC recommends the following:

  1. Don’t trust Caller ID. Scammers can use software to display familiar names and phone numbers to get you to answer. 
  1. Hang up if you’re asked for your Medicare number, Social Security number, bank information, or credit card number. 
  1. Take your time. You have until December 7, 2023 to enroll in a Medicare plan. 
  1. Beware of threats & promises. Scammers may threaten to take away your benefits if you don’t enroll right away. Some promise gifts, cash rewards, gift cards, and services that they never intend to provide.
  1. The buzzword “preferred Medicare provider” is a lie. Medicare doesn’t endorse a specific plan.
  1. Contact the FTC to report Medicare scams. Call (800) 633-4227 or visit ReportFraud.ftc.gov

Healthcare Reform News Update for November 15, 2022

Health plans available for less than $10 month with subsidies 

At the beginning of 2022, an estimated 16.9 million people were covered by health insurance purchased through the Marketplace. Subsidies for health insurance in 2023 will make coverage more affordable and accessible to more people.

During the 2023 Marketplace Open Enrollment period…

“Four out of five customers will be able to find plans for $10 or less per month after tax credits,” according to The Centers for Medicare & Medicaid Services.

  • Subsidies to lower health insurance costs come from the American Rescue Plan and the Inflation Reduction Act.
  • When the “family glitch” in the Affordable Care Act was fixed earlier this year, it made more people eligible for available subsidies to lower healthcare costs. About 1 million families with access to employer-sponsored health plans now have access to affordable health insurance through the marketplace.

Healthcare Reform News Update for November 10, 2022

New Medicare rules reduce gaps in coverage

A final rule recently issued by the Centers for Medicare & Medicaid Services will reduce gaps in coverage and simplify the enrollment process for beneficiaries.

Based on the Consolidated Appropriations Act, the changes will help eliminate gaps and delays in coverage in several ways:

  • When a beneficiary enrolls in a Medicare plan, the coverage will begin the month immediately after enrollment.
  • Special enrollment periods will give eligible beneficiaries access to Medicare coverage without late enrollment fees.
  • Immunosuppressive drug coverage will be extended for Medicare beneficiaries who have had a kidney transplant.

“For the first time, special enrollment periods will be available in traditional Medicare for individuals who were unable to enroll due to exceptional conditions, and individuals who have had a kidney transplant will now be able to receive extended Medicare coverage for immunosuppressive drugs,” says CMS Administrator Chiquita Brooks-LaSure.

Changes to improve access to Medicare begin January 1, 2023. Medicare Open Enrollment ends December 7, 2022.


Healthcare Reform News Update for October 20, 2022

‘Family glitch’ fix increases health insurance subsidies for 1 million

Recent changes to the Affordable Care Act will help about 1 million people either gain coverage or see their coverage become more affordable, according to the U.S. Department of Health and Human Services.

The ACA helped lower health insurance costs for working Americans with access to employer-sponsored health insurance, but there was a “family glitch” in the law:

  • Adding family members to employer-sponsored health plans made health insurance financially out of reach for some by excluding them from access to subsidies in the marketplace.

Calculating the cost of affordable health insurance

In 2022, If an employer-sponsored health plan for single coverage costs an employee less than 9.61% of household income, it’s considered affordable.

In 2023, this will drop to 9.12%, according to the Internal Revenue Service.

However, increased premiums for adding family members to employer-sponsored health insurance made coverage too expensive for many working Americans, until now.


Healthcare Reform News Update for October 13, 2022

CMS releases annual Star Rating data to compare Medicare plans

For consumers age 65 or older, comparing Medicare plans can help people make the right buying decision to promote health, prevent disease, and control healthcare costs.

CMS recently released annual Star Ratings data to help people review and compare plans for Medicare Advantage (Medicare Part C) and Medicare Part D prescription drug coverage.

Before buying a product or service, it’s common for consumers to read reviews and compare options, including Medicare options.

  • One recent survey found that 95% of consumers read reviews before making a purchasing decision.
  • 58% said they would even pay more for a product or service based on positive reviews

“The Star Ratings system supports CMS’ efforts to empower people to make healthcare decisions that are best for them,” according to a CMS press release published October 6, 2022. 

Star Ratings: How it works

Medicare plans are rated on a 1 to 5 scale. One star represents poor performance and 5 stars represents excellent performance.

Health plan ratings are based on performance metrics for:

  • Staying healthy: screenings, tests, & vaccines
  • Managing chronic (long term) conditions
  • Member experience with health plan
  • Member complaints & changes in the health plan’s performance
  • Health plan customer service

Drug plan ratings are based on performance metrics for:

  • Drug plan customer service
  • Member complaints & changes in the drug plan’s performance
  • Member experience with the drug plan
  • Drug safety & accuracy of drug pricing

Annual Star Ratings data

Star Ratings are released annually based on data provided by people enrolled in Medicare Advantage and Part D prescription drug plans.

CMS data shows that:

  • 72% of people currently in Medicare Advantage plans that offer prescription drug coverage are enrolled in a plan that earned four or more stars in 2023.
  • 51% of Medicare Advantage plans that offer prescription drug coverage will have an overall rating of four stars or higher in 2023.

Healthcare Reform News Update for October 1, 2022

Medicare beneficiaries will pay lower premiums in 2023

Medicare Part B premiums will drop by 3% in 2023, according to the Centers for Medicare and Medicaid Services.

CMS announced the reduction in Medicare Part B premiums last week, ahead of Medicare Open Enrollment, which begins October 15.

It’s the first time in more than a decade Medicare premiums haven’t increased.

In 2022, Medicare Part B premiums increased by 14.5%, but in 2023 Medicare Part B beneficiaries will pay:

  • Premiums: $164.90 per month, a decrease of $5.20 per month compared to 2022
  • Deductible: $226 annual deductible, a decrease of $7 compared to 2022.

Savings on Alzheimer’s drug helps lower Medicare premiums

Last year, CMS estimated a significant increase in cost for the drug Aduhelm used to treat Alzheimer’s disease made by the pharmaceutical company Biogen. This was expected to drive up Medicare premiums, according to U.S. Department of Health and Human Services Secretary Xavier Becerra.

However, after Biogen lowered the price of the drug and CMS announced limited coverage of the drug, the savings were used to lower Medicare premiums.

“…I’m instructing the Centers for Medicare and Medicaid Services to reassess the recommendation for the 2022 Medicare Part B premium, given the dramatic price change of the Alzheimer’s drug, Aduhelm,” Becerra said. “With the 50% price drop of Aduhelm on January 1, there is a compelling basis for CMS to reexamine the previous recommendation.”

  • The 2022 premium included a contingency margin to cover projected Part B spending for…Aduhelm, according to a CMS press release published September 27.
  • Lower-than-projected spending on both Aduhelm and other Part B items and services resulted in much larger reserves…which can be used to limit future Part B premium increases.

Other costs savings for seniors in 2023 will include:


Healthcare Reform News Update for September 22, 2022

OIG warns of fraud for Medicare telehealth services

More Medicare beneficiaries are using telehealth services to access care.

Data shows that telehealth services for Medicare beneficiaries rose from 840,000 visits per year to more than 52 million (an increase of 6,000%) from 2019 to 2020.

However, in a recent study, the Office of Inspector General identified a rise in fraud, waste, and abuse related to telehealth services for Medicare beneficiaries.

In the study, the OIG found that:

  • 1,714 providers out of 742,000 that billed for Medicare-related telehealth services pose a high risk for fraud, waste, and abuse.
  • Medicare paid an estimated $128 million for telehealth services to providers that “warrant further scrutiny” for fraud, waste, and abuse.
  • Fraudulent activity and risk factors for Medicare telehealth providers included
    • Billing for services not medically necessary
    • Connections to providers already identified as a high risk to Medicare
    • Difficulty identifying associations with established telehealth companies

Recommendations to reduce Medicare telehealth fraud, waste and abuse include:

  • Increase monitoring and oversight for telehealth providers that serve Medicare beneficiaries
  • Educate telehealth providers on appropriate billing practices
  • Require telehealth providers to include detailed information about services provided
  • Identify telehealth companies that bill for Medicare
  • Follow-up with Medicare providers that meet risk factors for fraud, waste, and abuse

Healthcare Reform News Update for September 16, 2022

Medicare changes cap insulin costs beginning in 2023

Changes to prescription drug costs outlined in the Inflation Reduction Act will cap insulin costs at $35 per month for Medicare Part D plans beginning January 1, 2023.

3.3 million Medicare beneficiaries have diabetes

For the estimated 3.3 million Medicare beneficiaries who have diabetes and use insulin, it’s a cost-saving measure designed to help control rising drug costs.

In a Yale University study published in the journal Health Affairs, researchers found that 14% of people who require insulin to manage diabetes spend 40% or more of their income after covering basic needs on insulin.

IRA rules help control prescription drug costs

Capping insulin costs at $35 per month for Medicare beneficiaries is the first in a series of rules outlined in the IRA to help control prescription drug costs over the next 7 years.

Beginning in January 2023 the IRA:

  • Limits insulin copays to $35 per month for Medicare Part D plans
  • Requires drug companies to pay rebates if drug prices rise faster than inflation
  • Lowers vaccine costs for Medicare beneficiaries

Additional IRA rules designed to help control prescription drug costs include:

2024

  • Cap out-of-pocket prescription drug costs for Medicare beneficiaries to $4,000 or less.
  • Eliminate 5% coinsurance for Medicare Part D for catastrophic coverage
  • Limit Medicare Part D premium increase to no more than 6% per year through 2029.

2023-2029

  • Require drug companies to pay rebates if drug prices rise faster than inflation.
  • Require the federal government to negotiate rates for 60+ Medicare Part B and Medicare Part D drugs.

2025

  • Cap out-of-pocket prescription drug costs for Medicare beneficiaries at $2,000 or less.

Healthcare Reform News Update for September 7, 2022

New rules for marketing Medicare Advantage beginning  Oct. 1

Third-party marketing organizations that market Medicare Advantage plans must comply with new rules established by the Centers for Medicare and Medicare Services beginning Oct. 1.

CMS took a hard look at third-party marketing practices for Medicare plans after consumer complaints surged by 165% over the previous year. Complaints included:

  • Misinformation in celebrity endorsement advertising
  • Perks and promises like free meals, free transportation to medical appointments, and cash payments for enrolling
  • Forged signatures and fraudulent enrollments
  • Misleading information about in-network and out-of-network providers

Some of the new Medicare marketing rules effective Oct. 1 include:

  • Recording all calls where plans are discussed with beneficiaries and storing for 10 years.
  • Stating a scripted disclaimer within the first minute of a call or electronic communications which says: “I/We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
  • Notify beneficiaries their information will be shared with a licensed insurance agent for verbal, written, or digital communication.
  • For more information, see the final rule on CMS Medicare marketing.

Healthcare Reform News Update for August 31, 2022

Navigator organizations receive $98.9 million to assist with open enrollment

Navigator organizations that help consumers find health coverage through the Marketplace recently received $98.9 million in funding for the Open Enrollment Period beginning Nov. 1, 2022, according to a news release by the Centers for Medicare & Medicaid Services (CMS).

  • The $98.9 million in funding will be distributed to 59 returning Navigator organizations for the 2023 Open Enrollment Period (Nov. 1, 2022 to Jan. 15, 2023).
  • The funds will allow Navigator organizations to retain current staff and hire additional staff to help consumers find affordable health insurance through the Marketplace in nearly every state.
  • Navigator organizations will focus on helping specific groups of people find affordable health insurance, including
    • Low-income families
    • Veterans
    • Racial and ethnic minorities
    • People in rural communities
    • LGBTQ+ community
    • American Indians and Alaska Natives
    • Refugee and immigrant communities
    • Pregnant women and new mothers
    • People with transportation or language barriers or lacking internet access
    • Small business owners

Healthcare Reform News Update for August 18, 2022

Poll: Majority of Medicare Beneficiaries Support At-Home Health Care Services

Approximately 97% of Medicare beneficiaries believe the U.S. government should continue policies that provide coverage for home health services , according to a new poll conducted by Morning Consult. Additionally, 88% of Medicare beneficiaries advocate for Congress to pass legislation that would stop the Centers for Medicare & Medicaid Services (CMS) from cutting these services.

The findings also included:

  • 91% of Medicare beneficiaries prefer to receive short-term recovery or rehabilitation health care at home.
  • 94% of Democrats and 93% of Republicans support the Medicare home health program.
  • 65% of registered voters oppose CMS cutting Medicare home health services.

Healthcare Reform News Update for August 17, 2022

President Biden Signs Inflation Reduction Act

President Joe Biden signed the Inflation Reduction Act into law on Tuesday. The legislation will impact U.S. healthcare in a number of ways.

  • The federal government will be able to negotiate prices for some Medicare prescription drugs. In 2026, Medicare will negotiate the price of 10 drugs; in 2027, 15 more drugs will be added; in 2029, 20 additional drugs will be a part of the process. The negotiations will first apply to drugs covered under Medicare Part D, and later expand to Medicare Part B.
  • The cost of insulin will be capped at $35/month for people on Medicare starting in 2023.
  • Out-of-pocket spending on prescription drugs will be capped at $2,000 for people on Medicare Part D starting in 2025.
  • Affordable Care Act (ACA) enhanced premium subsidies will be extended until 2025.
  • If drug companies increase their prices faster than the rate of inflation, they will be penalized starting in 2024.

FDA Expands Access to Hearing Aids

Some hearing aids will be available for purchase over-the-counter (OTC), according to a final rule issued by the U.S. Food and Drug Administration (FDA) on Tuesday.

The rule creates a new category for OTC hearing aids, and it will apply to air-conduction devices intended for people age 18 or older with mild or moderate hearing loss. Consumers will be able to buy them without a medical exam, prescription, or fitting by an audiologist.

The final rule is scheduled to take effect October 15, 2022.


Healthcare Reform News Update for August 4, 2022

Survey: 72% of Employed Adults Desire Health Insurance Guidance

A large majority of employed adults in the U.S. are unclear on various aspects of health insurance and wish someone would tell them what the ideal health plan for their situation is, according to a new survey by Justworks and Harris Poll. The study found that while many employed adults claim to be knowledgeable on health insurance, they may misunderstand certain aspects of it.

The findings also included:

  • 75% of employed adults believe or are not sure if they can retain Flexible Spending Accounts (FSAs) even if they leave their current job.
  • 63% of employed adults believe or are not sure if they could decide to change their health insurance plan or dependent coverage mid-year after enrolling.
  • 59% of employed adults are not aware that they can only enroll in a Health Savings Account (HSA) if they are enrolled in a High-Deductible Health Plan (HDHP).
  • 54% of employed adults believe or are not sure if a deductible is how much your insurance will pay for various health services.

Healthcare Reform News Update for August 3, 2022

U.S. Uninsured Rate Hits 8% Record-Low

The percentage of uninsured people in the United States reached an all-time low of 8% in early 2022, according to a new report from the Department of Health and Human Services (HHS).  The study found that around 5.2 million people, including 4.1 million adults (ages 18-64) and 1 million children (ages 0-17), have acquired health coverage since 2020.

The findings also included:

  • About 5.4% of adults reported having Marketplace coverage in early 2022 compared to 4.4% in 2020.
  • Uninsured rates among adults decreased from 14.5% in late 2020 to 11.8% in early 2022.
  • Uninsured rates among children decreased from 6.4% in late 2020 to 3.7% in early 2022.
  • Changes in uninsured rates from 2020 to 2022 were the largest among people with incomes below 100% of the Federal Poverty Level (FPL) and between 200% and 400% FPL.

Healthcare Reform News Update for July 12, 2022

Report: Consumers Confused by Medicare Enrollment Process

A majority of Medicare-eligible older adults are overwhelmed by Medicare enrollment and experience confusion, according to a new report by Sage Growth Partners. The study determined that many Medicare beneficiaries don’t have the right support to find the right plan for their needs.

The findings also included:

  • 20% of Medicare-eligible individuals say they have a good understanding of Original Medicare
  • 31% of Medicare-eligible individuals say they have a good understanding of Medicare Advantage
  • 63% of Medicare-eligible individuals say they’re overwhelmed by Medicare advertising
  • 58% of respondents stay in their current Medicare plan each year instead of reviewing their options

Healthcare Reform News Update for July 1, 2022

California Provides Health Coverage Access to Undocumented Immigrants

The state of California expanded healthcare access to low-income California residents aged 26 to 49, regardless of their immigration status, after Gov. Gavin Newsom signed a new budget into law on Thursday. It is the only state in the U.S. to provide coverage at no cost to undocumented immigrants.

Approximately 764,000 people will qualify for coverage. The program will go into effect in 2024.


Healthcare Reform News Update for June 29, 2022

Study: Health Insurance Is Americans’ Third Highest Living Expense

Approximately 10.69% of the average American’s annual salary goes towards health insurance premiums, behind childcare (18.41%) and rent (28.24%), according to a new study by NiceRX. The average annual cost of health insurance across all 50 states is $6,487.20.

The study also found that the highest percentage of salaries goes towards health insurance in West Virginia (20.85%, average cost of health insurance of $9,972), followed by Louisiana (16.05%, $8,736), and Vermont (15.28%, $9,120).


Healthcare Reform News Update for June 28, 2022

CMS Testing New Payment Model To Improve Medicare Cancer Care

The Centers for Medicare and Medicaid Services (CMS) will launch the Enhancing Oncology Model (EOM), a voluntary payment model intended to help Medicare beneficiaries who are cancer patients, in July of 2023. Participants in the EOM will include oncology practices.

Medicare beneficiaries will not be responsible for the new EOM payment, the full amount will be covered by Medicare.

Services provided by EOM participants may include:

  • 24/7 access to a clinician with real-time access to your medical records
  • Patient navigation services
  • A detailed care plan
  • Screening for needs related to food, transportation, and housing
  • Questions regarding your overall cancer care experience and health outcomes

The program will run for a five-year testing period.


Healthcare Reform News Update for June 24, 2022

Supreme Court Upholds HHS Statutory Interpretation

In a 5-4 decision, the Supreme Court ruled in favor of the U.S. Department of Health and Human Services (HHS) and against the hospital industry in Becerra v. Empire Health Foundation.

The case involved a challenge to the way HHS understands the phrase “Medicare fraction,” which is used to calculate reimbursement rates for hospitals that provide treatment for a lot of low-income patients. HHS interpreted the regulation to mean that individuals “entitled to Medicare Part A benefits” consist of those who qualify for Medicare, even if Medicare doesn’t pay for all or part of a patient’s hospital stay.

The Court decided that HHS’s interpretation was correct, which means some providers may be unable to get back some of their expenses when providing healthcare for low-income patients.


Healthcare Reform News Update for June 23, 2022

HHS Announces New Lower Premium Colorado Health Plan

The U.S Department of Health and Human Services (HHS) approved a state innovation waiver from Colorado, creating a new state-based new health coverage option. Colorado Option health insurance plans will be required to lower premiums by 5% in 2023, by 10% in 2024, and by 15% in 2025.

Additionally, the plans provide coverage for Affordable Care Act (ACA) essential health benefits, primary care, mental health, behavioral health, and prenatal visits. The state estimates that around 32,000 Coloradans will get health insurance by 2027 as a result of this plan.

The Colorado Option will become available to state residents who apply for health insurance on the individual market in 2023.


Healthcare Reform News Update for June 22, 2022

Supreme Court Sides With Health Plan

In a 7-2 decision, the Supreme Court ruled in favor of an employer-sponsored group health plan and against a kidney dialysis provider in Marietta Memorial Hospital Employee Health Benefit Plan v. DaVita Inc.

The case involved whether the health policy’s coverage differentiated between individuals with and without End-Stage Renal Disease (ESRD), a potential violation of the Medicare Secondary Payer statue.

The Court found that there was no such violation, and that the plan doesn’t discriminate against patients with ESRD.


Healthcare Reform News Update for June 21, 2022

Study: Medicare Could Save Billions on Generic Drugs

If Medicare purchased generic drugs at the prices offered by Dallas billionaire Mark Cuban’s newly launched digital pharmacy in 2020, it could have saved the government program approximately $4 billion, according to a study published in Annals of Internal Medicine.

The report compared the cost of 89 generic drugs at Cuban’s company in 2022 with the price Medicare Part D plans paid for the same drugs in 2020. After adjusting for changes in drug costs between 2020 and 2022, the researchers found that Medicare paid more for 77 generic drugs.

Cuban recently announced on Twitter that his pharmacy plans to add more than 1,000 additional drugs in the next year.


Healthcare Reform News Update for June 16, 2022

Survey: 4 in 10 U.S. Adults Have Health Care Debt

One hundred million people in America – or four in 10 adults – have medical debt, according to a new investigation by the Kaiser Family Foundation. That means approximately 41% of adults have debt caused by medical or dental bills.

The findings also included:

  • Approximately 1 in 5 adults with healthcare debt believe they’ll never pay it off.
  • Half of U.S. adults wouldn’t be able to pay an unexpected $500 healthcare bill.
  • One in 7 adults with healthcare debt said they’ve been denied provider care because of unpaid bills.
  • 24% of adults say they have medical bills past due or that they’re unable to pay.
  • One third of adults with health care debt owe less than $1,000.

Report: Medicare Advantage Enrollment Surpasses 50% in 123 Congressional Districts

Medicare Advantage enrollment has overtaken 50% of Medicare beneficiaries in more than 120 Congressional districts, which is an increase of 37% (90 districts) over last year, according to new data from the Better Medicare Alliance. Eighty-three of the districts are represented by Democratic members of Congress, while 40 are represented by Republicans.

The top 3 districts are:

  • FL-24 – 76% Medicare Advantage enrollment.
  • NY-15 – 73% Medicare Advantage enrollment.
  • NY-25 –71% Medicare Advantage enrollment.

Healthcare Reform News Update for June 15, 2022

Supreme Court Rules Against HHS

In a unanimous decision, the Supreme Court ruled against the Department of Health and Human Services (HHS) and in favor of a nonprofit hospital group in American Hospital Association v. Becerra.

The case involved whether HHS had the discretion to alter the group’s annual Medicare reimbursement rates for outpatient drugs. The Court ruled that they did not and had acted unlawfully by reducing them, overturning a lower court’s 2020 decision.


Healthcare Reform News Update for June 3, 2022

Medicare Part A Trust Fund to Be Depleted by 2028

The projected date for when Medicare’s hospital trust fund will run out of money has been pushed back two years, from 2026 to 2028, according to the annual Social Security and Medicare trustees report. The trust fund pays for services like Medicare Part A inpatient care.

The report also projects that Social Security’s trust fund reserves will be depleted by the end of 2034, one year later than previously estimated.


Healthcare Reform News Update for May 27, 2022

HHS Withdraws SUNSET Rule

The Department of Health and Human Services (HHS) has officially withdrawn the Securing Updated and Necessary Statutory Evaluations Timely (SUNSET) final rule. Originally published in January 2021, the regulation would have required HHS to thoroughly review and potentially eliminate existing rules unless the agency could have made a persuasive case for retaining them.

The new final rule abandoning the SUNSET rule means that it will not go into effect.


Healthcare Reform News Update for May 20, 2022

2020 CMS Medicaid Drug Price Rebate Rule Struck Down

A December 2020 rule finalized by the Centers for Medicare and Medicaid Services (CMS) exceeds the agency’s authority, according to a D.C. federal judge’s ruling. The government intended to require drug companies to use available coupons when calculating the “best price” for a drug.

The Pharmaceutical Research & Manufacturers of America successfully challenged the CMS regulation, claiming the policy was outside of federal Medicaid rebate law.


Healthcare Reform News Update for May 17, 2022

Research: Private Insurance Plans Paid Hospitals 224% More Than Medicare Rates in 2020

Employers and private insurance companies paid 224% more than Medicare would have paid in 2020 for inpatient and outpatient services, according to new research by RAND. This is a 23% decrease from the 2018 study’s percentage.

The findings also included:

  • Hawaii, Arkansas, and Washington had relative rates that are about 175% of Medicare rates.
  • Florida, West Virginia, and South Carolina had relative rates that were at or above 310% of Medicare rates.
  • If the employer and private plans were paying Medicare rates for the same services, they would have saved $49.9 billion.

Healthcare Reform News Update for May 13, 2022

Research: Almost 41 Million Americans Received Mental Health Support Through Employer Coverage in 2020

Approximately 41 million people, or 1 in 4 Americans, received mental health support through their employer coverage in 2020, according to new research by AHIP.

The findings also included:

  • Six million children received mental health services and treatment through a parent or guardian’s employer plan in 2020.
  • Nearly 40% of psychotherapy visits were held virtually via a telehealth appointment in 2020, a 100-fold increase from 2019.
  • Patients spent less than $15 in out-of-pocket expenses for most mental health prescription drugs.

Healthcare Reform News Update for May 11, 2022

Study: American Medical Debt Decreases

The percent of adults under 65 with medical debt dropped from 23.6% in March 2019 to 16.8% in April 2021, according to a new study by the Urban Institute. The report also found that self-reported medical debt and medical debt in collections declined across adults in all age ranges since the start of the pandemic.

The findings also included:

  • The number of adults under 65 with difficulties paying medical bills in the past year decreased from 17% to 12.2%.
  • The number of adults with credit records who have medical debt in collections decreased from 15.3% in February 2020 to 13.9% in August 2021.
  • Medical debt decreased across racial and ethnic groups.

Healthcare Reform News Update for May 5, 2022

30 Million People Uninsured in 2021

Approximately 30 million people across all age ranges were uninsured in 2021 according to a new survey on health coverage conducted by the National Center for Health Statistics.

The findings also included:

  • In 2021, across all age ranges, 9.2% were uninsured, 39.5% had public coverage, and 60.4% had private coverage.
  • In 2021, 24.5% of adults aged 18-64 with family incomes less than 100% of the Federal Poverty Level (FPL) were uninsured; 23.7% with family incomes from 100% to less than 200% FPL were uninsured; and 8.4% of those with family incomes at or above 200% FPL were uninsured.
  • The amount of people under 65 with exchange-based coverage increased to 4.3% in 2021 from 3.7% in 2019.

Healthcare Reform News Update for May 2, 2022

More Than 35 Million People Have ACA Coverage in Early 2022

A record number of people, more than 35 million, have health coverage related to the Affordable Care Act (ACA) as of early this year, according to a new federal report from the Department of Health and Human Services (HHS).

The report also states:

  • The uninsured rate for the U.S. population decreased 1.5%, from 10.3% in Q4 2020 to 8.8% in Q4 2021.
  • People with incomes above 200% of the Federal Poverty Level (FPL) have the lowest uninsured rate, which decreased from 7.6% to 6.4% in 2021.
  • 14.5 million people signed up for marketplace health coverage during the 2022 Open Enrollment Period.

Healthcare Reform News Update for April 20, 2022

Analysis: Medicare Advantage Beneficiaries Save Almost $2K Over FFS Medicare

Beneficiaries enrolled in Medicare Advantage spend $1,965 less on out-of-pocket costs and premiums than fee-for-service (FFS) Medicare beneficiaries, according to a new study by Better Medicare Alliance.

The study also found:

  • More than 52% of beneficiaries with Medicare Advantage live under 200% of the Federal Poverty Level (FPL).
  • 38.3% of beneficiaries with FFS Medicare live under 200% of the FPL.
  • 94.9% of Medicare Advantage beneficiaries and 96% of FFS Medicare beneficiaries report being “satisfied” or “very satisfied” with the quality of health care they received in the past year.

Healthcare Reform News Update for April 14, 2022

Report: Average ACA Benchmark Premiums Declined by 1.8% in 2022

Average Affordable Care Act (ACA) benchmark premiums fell 1.8% between 2021 and 2022, according to a new report from the Urban Institute. It was the third straight year that average benchmark premiums fell. The analysis also found that 32 states had benchmark premium reductions.


Healthcare Reform News Update for April 8, 2022

U.S. Postal Service Reform Bill Signed Into Law

President Biden signed the Postal Service Reform Act of 2022 into law on Wednesday. The legislation creates the Postal Service Health Benefits Program starting in January 2025 and addresses financial issues with the agency.

The bill performs the following functions:

  • Eliminates a 2006 Congressional mandate that the Postal Service fund future retiree health benefits.
  • Requires retired Postal Service employees to enroll in Medicare Parts B and D.
  • Saves $50 billion over the next decade.

CMS Updates Medicare’s Alzheimer’s Drug Coverage Guidelines

The Centers for Medicare & Medicaid Services (CMS) finalized a rule on Thursday limiting coverage for the Alzheimer’s drug Aduhelm. Going forward, Medicare will only cover the cost of the prescription for those participating in clinical trials.

In making this final decision, CMS allowed flexibility for approving future medications for the treatment of Alzheimer’s. If the prescriptions show that they can benefit patients, they could potentially be covered by Medicare.


Healthcare Reform News Update for April 5, 2022

President Biden Signs Executive Order to Expand Health Coverage

President Joe Biden signed an executive order on Tuesday that directs federal agencies to continue expanding health coverage for Americans.

The order includes the following instructions:

  • Make it easier for people to apply for and keep health coverage.
  • Help people understand their coverage options.
  • Expand coverage eligibility and lower costs for Americans with Affordable Care Act (ACA), Medicare, or Medicaid plans.
  • Reduce medical debt for Americans.

Healthcare Reform News Update for March 23, 2022

HHS Analyzes 2022 Open Enrollment Period

The Department of Health and Human Services (HHS) released a new report featuring data on health plans chosen by consumers during the 2022 Open Enrollment Period, which occurred from November 1, 2021, through January 15, 2022, in most states.

Findings from the report include:

  • 5 million more people signed up for coverage during the 2022 Open Enrollment Period vs. 2021’s Open Enrollment Period, a 21% increase.
  • 3 million people enrolled in health coverage in the 33 states on the federal exchange.
  • 3 million people applied for health coverage in the 18 state-based marketplaces.
  • 20% more new people signed up for coverage during the 2022 Open Enrollment Period vs. 2021’s Open Enrollment Period, an increase from 2.5 million to 3.1 million.
  • The average monthly 2022 premium for enrollees on the federal exchange was $111 after subsidies from the American Rescue Plan Act.

Healthcare Reform News Update for March 21, 2022

Medical Debt To Be Eliminated From U.S. Credit Reports

Credit-reporting firms Equifax, Experian, and Transunion will update their processes for reporting medical debt starting in July 2022.

This summer, these companies will excise medical debt that was paid after it had been sent to collections from consumer reports. In 2023, they’ll take off unpaid medical debts that are less than $500.

The changes to the credit-reporting could make it easier for Americans to borrow and qualify for loans.

A March 2022 Health System Tracker study found that 23 million people owe significant medical debt, with 1 in 10 adults across the U.S. owing at least $250 in medical debt.


Healthcare Reform News Update for February 23, 2022

Covered California Appoints New Chief Executive Officer

Jessica Altman, the insurance commissioner for the Pennsylvania Insurance Department, has been selected as the new Chief Executive Officer for Covered California. The appointment comes after Covered California executive director Peter Lee announced his departure in September 2021.

Altman helmed the launch of “Pennie,” Pennsylvania’s state-based health insurance marketplace, and served in a variety of positions with the National Association of Insurance Commissioners.

Altman will begin the role in March 2022.


Healthcare Reform News Update for February 14, 2022

Medicare Increases Access to Lung Cancer Screening Tool

Low dose computed tomography (LDCT), a tool used to detect lung cancer, will now be available to more people on Medicare, according to a new Centers for Medicare & Medicaid Services (CMS) final decision.

CMS expanded eligibility requirements in an effort to help people determine if they have lung cancer sooner.

  • The eligibility age for LDCT has decreased from 55 to 50 years.
  • Tobacco smoking history eligibility has decreased from 30 packs a year to 20.
  • A requirement for radiologist documentation has been eliminated.
  • A requirement for radiology facilities to use a “standardized lung nodule identification, classification, and reporting system” has been added back.

Healthcare Reform News Update for February 9, 2022

Idaho Expands Heath Insurance Benefits for Teachers

A new law in Idaho brings health insurance for educators in line with that of state employees. The state will increase its contribution towards teacher health insurance premiums by around $4,000 per teacher.

The legislation establishes a fund for school districts that opt to join the state’s health plan.

Previously, Idaho put $8,400 per year towards teacher health insurance expenses, as compared to $12,500 for legislator health insurance expenses.


Healthcare Reform News Update for February 3, 2022

Medicare to Provide Coverage for At-Home COVID-19 Tests

Medicare will provide coverage for over-the-counter COVID-19 rapid tests, according to a Centers for Medicare and Medicaid Services (CMS) statement.

Tests will be available at no cost to beneficiaries beginning in spring 2022. People with Medicare Part B, whether enrolled in a Medicare Advantage plan or not, will be able to visit their local pharmacy and retrieve the COVID-19 tests. Up to eight tests per person per month will be covered.


Healthcare Reform News Update for February 2, 2022

New York Extends 2022 Open Enrollment Deadline

New York has extended its Open Enrollment Period for residents to apply for Affordable Care Act (ACA) health coverage until February 15, 2022. Coverage will begin on March 1, 2022 for New Yorkers who enroll in an ACA plan between February 1 and February 15, 2022.


Healthcare Reform News Update for January 27, 2022

White House: 14.5 Million Americans Sign Up for ACA Plans

Since November 1, 2021, a record 14.5 million Americans have signed up for Affordable Care Act (ACA) health plans, according to a new statement from the White House.

The federal government also revealed new data from the Centers for Disease Control and Prevention (CDC), which indicates that 1 in 7 uninsured Americans found coverage from the end of 2020 through September 2021.

Federal Open Enrollment ended on January 15, but California, Kentucky, New Jersey, New York, Rhode Island, and Washington, D.C. residents have until January 31 to apply for ACA coverage, while Maryland residents have until February 28.


Healthcare Reform News Update for January 25, 2022

Kentucky, Maryland Extend 2022 Open Enrollment Periods

Kentucky has extended its Open Enrollment Period for residents to apply for Affordable Care Act (ACA) health coverage until January 31, 2022. Coverage will begin on March 1, 2022 for Kentucky residents who enroll in an ACA plan between January 16 and January 31, 2022.

Maryland has also extended its Open Enrollment Period through February 28, 2022. Residents who enroll by January 31 will have coverage beginning on February 1, 2022; for residents who enroll during February, coverage will start March 1, 2022.

Recent reports of consumer technical difficulties and a December 2021 severe weather natural disaster have also led to an extension of Kentucky’s Special Enrollment Period until January 31, 2022. Residents affected by either circumstance can obtain coverage that begins retroactively on January 1, 2022.


Healthcare Reform News Update for January 21, 2022

Mark Cuban Starts Online Prescription Drug Company

Dallas Mavericks owner, “Shark Tank” investor, and entrepreneur Mark Cuban has launched the Cost Plus Drug Company, an online pharmacy that seeks to lower drug prices by negotiating directly with manufacturers and skipping the middleman in the process.

The business will sell generic medications to consumers with a 15% markup and $3 pharmacist fee.


Healthcare Reform News Update for January 19, 2022

Report: Medicare Advantage Enrollment Increased in 2021

Federal data has revealed that Medicare Advantage enrollment increased 8.8% year-over-year, according to a new independent analysis.

From January 1, 2021 – January 1, 2022, more than 28.5 million seniors and people with disabilities enrolled in a Medicare Advantage plan.


Healthcare Reform News Update for January 11, 2022

Insurance Companies Required to Cover At-Home COVID-19 Tests

Private health insurance companies and group health plans will be required to provide coverage for the cost of at-home COVID-19 rapid tests beginning January 15, 2022, according to new guidance issued by the federal government.

Consumers can purchase over-the-counter COVID-19 diagnostic tests online, in a pharmacy, or at a store. Up to eight tests per person per month must be covered. A physician order is not necessary to buy tests.

Contact your plan or insurance company for additional details.


Healthcare Reform News Update for January 3, 2022

New Mexico Adds 2.75% Surtax on Health Insurance Premiums

A bill approved by the New Mexico legislature in 2021 has gone into effect, increasing a health insurance surtax on premiums to 2.75% for state residents as of January 1, 2022. Previously, the surtax was 1%.

The intent of the higher surtax is to help fund health insurance offerings for lower-income New Mexicans beginning in 2023. Some legislators fear that the insurance companies paying the surtax will pass the expense on to businesses and consumers.

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© 2022 HealthMarkets Insurance Agency. All rights reserved.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

© 2022 HealthMarkets Insurance Agency. All rights reserved.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

© 2022 HealthMarkets Insurance Agency. All rights reserved.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1- 844-704-7357), 24 hours a day/7 days a week, to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.