Human Arc Blog

  • Reconciliation of Premium Tax Credits

    Shanna Hanson - March 26, 2015

    It’s tax time and a “first” for the reconciliation of premium tax credits received to supplement a tax filer’s or dependent’s purchase of a qualified health plan through the Marketplace. This means new terminology, new forms, new requirements and new questions from tax filers before April 15, 2015. It also includes a glitch. Frustrations could [...]

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  • Medicare Advantage Payment Changes

    Shanna Hanson - March 4, 2015

    Medicare Advantage (MA) health plan leaders are likely to have finances on their mind after the Centers for Medicare and Medicaid Services (CMS) released the Advance Notice and draft Call Letter on February 20, 2015 proposing a 0.95% average payment cut for 2016. CMS, however, is promoting the payment cut as an “increase” by adding [...]

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  • Enrollment Extension Can Benefit Providers

    Shanna Hanson - March 3, 2015

    Shocking statistics Urban Institute’s December 2014 Health Reform Monitoring Survey (HRMS) of uninsured adults ages 18-64 with family income exceeding 100% of the Federal Poverty Level (FPL) revealed the following: 19.3% had heard a little about the penalty for not having coverage in 2014, 24.8% had heard nothing, and 53.5% had heard some or a [...]

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  • Hardship Exemptions for ACA’s Individual Mandate

    Shanna Hanson - February 17, 2015

    This is part 2 of 2 in a series on the health coverage mandate, penalties and exemptions. This posting takes a deeper look at the hardship exemption. Healthcare.gov lists 14 circumstances that entitle an individual to a hardship exemption: Homelessness Eviction in the past six months, facing eviction or foreclosure Receipt of a shut-off notice from [...]

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  • Penalty Exemptions under the ACA

    Shanna Hanson - February 3, 2015

    The Affordable Care Act (ACA) mandates that most United States citizens and eligible immigrants carry health insurance or incur liability for a shared responsibility payment, also commonly referred to as a tax or penalty. This coverage requirement is called the individual mandate. Enrollment is available year-round for Medicaid and the Children’s Health Insurance Program (CHIP), [...]

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  • Fate of ACA Subsidies Rests on Four Words

    Shanna Hanson - December 29, 2014

    A Supreme Court hearing will be held March 4, 2015, to evaluate four words in the Affordable Care Act (ACA): “established by the State.” At stake in the decision are the insurance subsidies provided by the federal government to eligible individuals in the 36 states that use the federal Marketplace. In a recent post, Legal [...]

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  • Additional Step for Some to Renew Medicaid/CHIP

    Shanna Hanson - December 10, 2014

    Some Medicaid or Children’s Health Insurance Program (CHIP) beneficiaries enrolled in coverage prior to the Affordable Care Act (ACA) implementation Jan. 1, 2014, now may need to supply additional information to renew coverage. This is a change from years past, and if recipients don’t provide the information needed to re-determine eligibility, they risk losing their [...]

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  • Enrollment Estimates: A Moving Target

    Shanna Hanson - December 1, 2014

    The second annual Marketplace open enrollment under the Affordable Care Act (ACA) began Nov. 15, 2014. Just days earlier, the Health and Human Services (HHS) scaled back its enrollment estimates. CBO Estimates The Congressional Budget Office (CBO) originally estimated a total of 25 million people would enroll in a Qualified Health Plan (QHP) through the [...]

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  • Qualified Health Plan Renewals: Passive versus Active

    Shanna Hanson - November 10, 2014

    It is time for Qualified Health Plan (QHP) members to renew their coverage. There are two ways to do this – passively or actively. A look at both shows why active is highly encouraged. Passive renewal Passive renewal requires little to no involvement on the part of the plan member. QHPs are responsible for informing [...]

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  • Legal Challenges to Federal Insurance Marketplace Subsidies

    Shanna Hanson - October 15, 2014

    The Affordable Care Act (ACA) provides tax credits and subsidies to purchase Qualified Health Plans on state-run insurance exchanges. A May 23, 2012, Internal Revenue Service (IRS) rule extended the tax credits and subsidies to consumers buying health insurance through federal exchanges in states without their own exchanges. Some lawsuits are challenging the legality of [...]

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