Human Arc Blog

  • Enrollment Extension Can Benefit Providers

    Human Arc - 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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  • Affordable Care Act Increases Emergency Department Demand

    Human Arc - October 3, 2014

    Emergency Department Demand Up Emergency department (ED) visits are on the rise, according to recent studies that examine the impact of the Affordable Care Act (ACA) on EDs. A new study by the Colorado Hospital Association (CHA) of over 450 hospitals in 13 Medicaid expansion states and 12 non-expansion states shows how the Affordable Care [...]

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  • Same-Sex Marriage and Health Care Coverage

    Shanna Hanson - September 18, 2014

    In 2013, the U.S. Supreme Court ruled as unconstitutional section 3 of the Defense of Marriage Act, defining marriage based on gender. Since then, a series of guidance and policies have been published that impact health care assistance eligibility for individuals in same-sex marriages. Four notable ones are described below. Internal Revenue Ruling 2013-17 was [...]

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