In 2019, the Washington legislature enacted a bill requiring insurers on the state’s health insurance exchange to offer plans with standardized benefit designs, beginning in 2021. Colorado and Maryland are considering similar requirements. As these and other states consider the option of standardized health plans, they can benefit from the experiences of California, the District of Columbia (D.C.), Connecticut, Massachusetts, New York, Oregon, and Vermont, all of which require insurers to offer standardized benefit designs. This Expert Perspective outlines benefits and risks of plan standardization, and raises critical questions that states will need to consider, and offers a decision roadmap for states implementing a standardized benefit design requirement.
Consumer Assistance Resource Guide: MAGI Household Income Eligibility Rules
Manatt Health Solutions
Early evidence from across the nation suggests that consumer assisters are playing a vital role in helping people enroll in the new coverage options made possible by the Affordable Care Act. The following resource guide on MAGI Household Income Eligibility Rules is part of a Consumer Assistance Resource Guide series developed to help consumer assisters answer some of the most common eligibility and enrollment questions.
To be eligible for an Insurance Affordability Program (IAP) — Medicaid, CHIP or Advance Premium Tax Credits and Cost Sharing Reductions — an applicant’s income must be below a certain eligibility level. Modified Adjusted Gross Income (MAGI) rules—primarily based on federal tax rules—are used to calculate income eligibility when an individual is applying for an IAP. This guide, prepared by Manatt Health Solutions, explains the types of income included and excluded when determining eligibility.