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Unpacking the Affordable Care Act
AND ITS IMPACT IN GEORGIA
ELISE BLASINGAME, GEORGIA WATCH &LAURA COLBERT, GEORGIANS FOR A HEALTHY FUTURE
Who We Are:
Georgia Watch
State-wide consumer advocacy organization.
Programmatic focus areas in healthcare access, consumer energy, financial protection and civil justice.
Operated a navigator program as part of the Seedco Consortium in OE1 and OE2.
Provided specific expertise on complex tax filing issues related to ACA and advanced issues with Marketplace appeals.
Georgians for a Healthy Future
State-wide consumer health advocacy organization
Vision: A day when every Georgian has access to the quality, affordable health care that they need to live healthy lives and contribute to the health of their communities
Provide enrollment and post-enrollment assistance, as well as policy recommendations and advocacy related to a variety of health policy issues
Marketplace Basics:
Georgia has a Federally-Facilitated Marketplace
Income between 100-400% of the FPL were eligible to receive an Advanced Premium Tax Credit (APTC)
Income between 100-250% FPL qualified for cost-sharing reductions (less costly; higher value plans)
Providers Offering Marketplace Plans in Georgia During OE1/OE2
Getting Georgia Covered
Organizations Providing Enrollment Assistance During OE1/OE2
65+ Certified Application Counselor Organizations
48 Navigator Organizations Federal Grantees
HRSA Grantees
Organizations with chronic disease management focus
Enrollment in Georgia
ENROLLMENT OE1 ENROLLMENT OE2
316,543 541,080
During Open Enrollment 2 (2014-2015)
Nearly 9 in 10 Georgians qualified for an advanced premium tax credit
45% re-enrolled from the previous year
Organizations with chronic disease management focus
55% were new enrollees to the Marketplace
Effectuated enrollment for OE2: 83.7% (452,815)
Enrollment in Georgia: By County
(OE2)
Enrollment in Georgia: Cost
The average premium paid for an individual plan after tax credits were applied was $73/month
Using Healthcare.gov Plans
Challenges to Enrollment
Initial issues with healthcare.gov during OE1
Limited health insurance literacy among consumers
Immigrants faced language and verification issues
Confusion and political opposition to ACA hindered partnerships
Consumers who fall into the coverage gap cannot access affordable care
Challenges Post-Enrollment
Income and citizenship verification issues with the Marketplace
Healthcare providers denying ‘Obamacare’ plans.
Tax-filing issues related to consumers who received an excess tax credit.
Miscommunication between health insurance providers and the Marketplace.
Successes Using a variety of local venues to conduct outreach and organize
enrollment events
Leveraging the support of existing partnerships for outreach
Developing trust with consumers
Strategic media through local outlets
VITA Tax Preparer & Seedco Navigator Debrief Grady Navigator assists recently terminated Fulton County Employees
So When is Open Enrollment?
Nov. 1, 2015 Jan. 31, 2016
Nov. 15, 2014 Feb. 15, 2015
Oct 1., 2013 March 31, 2014
OE1
OE2
OE3
March 15 – April 30, 2015
TAX PENALTY SEP
April 17, 2014
Open Enrollment 3 (OE3)
New navigator organizations
Focus on hard-to-reach populations Georgia: one of the top 10 markets for eligible but uninsured
consumers
Atlanta: Top market for eligible, but uninsured African-Americans
Georgia-specific outreach & education materials
Questions?
Elise Blasingame
Director of Community Education & Financial Protection
Georgia Watch
404-525-1085
Laura Colbert
Community Outreach Manager
Georgians for a Healthy Future
404-567-5016, ext. 2