The Obama administration on Thursday plans to issue much-anticipated instructions for Americans to reenroll for next year in the new federal health insurance marketplace — a set of rules intended to make it easy for consumers but that nevertheless will require some people to reapply through HealthCare.gov to preserve their subsidies or coverage.
Under the rules, people will need to do very little to remain in their health plans if their incomes and covered family members are not changing and their plans are offered again for 2015.
A fraction of the people in the federal insurance exchange will need to reapply for one or more reasons: their incomes are rising or falling significantly, they did not give permission for their tax records to be checked automatically, or the health plans they joined this year disappear as of January.
These rules have been anxiously awaited by consumer advocates and others concerned about whether the policies and the computer systems underlying the federal health insurance marketplace would make it easy or cumbersome for Americans — 5.4 million of them as of this spring — to continue the coverage they have begun this year under the Affordable Care Act.
Last fall’s launch of HealthCare.gov, the Web site for the federal exchange, was so troubled that many people were thwarted in their efforts to enroll. But the system was patched up enough that 5.4 million Americans were able to choose health plans by the time the first sign-up period ended in early spring. Millions more signed up in 14 separate state-run insurance marketplaces, bringing the total number of enrollees to 8 million.
The Obama administration on Thursday plans to issue much-anticipated instructions for Americans to reenroll for next year in the new federal health insurance marketplace — a set of rules intended to make it easy for consumers but that nevertheless will require some people to reapply through HealthCare.gov to preserve their subsidies or coverage.
Under the rules, people will need to do very little to remain in their health plans if their incomes and covered family members are not changing and their plans are offered again for 2015.
A fraction of the people in the federal insurance exchange will need to reapply for one or more reasons: their incomes are rising or falling significantly, they did not give permission for their tax records to be checked automatically, or the health plans they joined this year disappear as of January.
These rules have been anxiously awaited by consumer advocates and others concerned about whether the policies and the computer systems underlying the federal health insurance marketplace would make it easy or cumbersome for Americans — 5.4 million of them as of this spring — to continue the coverage they have begun this year under the Affordable Care Act.
Last fall’s launch of HealthCare.gov, the Web site for the federal exchange, was so troubled that many people were thwarted in their efforts to enroll. But the system was patched up enough that 5.4 million Americans were able to choose health plans by the time the first sign-up period ended in early spring. Millions more signed up in 14 separate state-run insurance marketplaces, bringing the total number of enrollees to 8 million.
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