The American Rescue Plan Act (ARPA) was signed into law on March 11, 2021 as a signature effort to assist in the recovery from the COVID-19 pandemic and the related economic downturn. Included as part of the sweeping legislation is a program to fully subsidize COBRA coverage for six months starting in April of 2021. This expert perspective provides a short overview of COBRA and mini-COBRA, the major elements of the ARPA COBRA Assistance program, and considerations for state policymakers related to the program.
Messaging to Help Consumers Navigate Skinny Health Plans: A Toolkit for Marketplace Communicators
Recent federal rules on Short-Term Limited-Duration Insurance and Association Health Plans mean that some insurers may now offer products that don’t adhere to previous Affordable Care Act (ACA) requirements.
Without the consumer protections guaranteed by the ACA, “skinny” health plans may be offered more widely across the country, with state-by-state variance depending on state law. These plans come with some financial risk to the consumer should he/she need to use their coverage. “Skinny” plans might not provide coverage for essential health benefits, can impose lifetime and annual limits, and they’re not always subject to cost-sharing limits.
As “skinny” plans are increasingly marketed and sold across the country, it’s important for Marketplaces and Departments of Insurance to provide consumers with the information they need to make good decisions when buying health insurance. This toolkit contains a variety of communications resources designed to support Marketplaces, state agencies and other partners in these public education efforts.
- The messaging, fact sheet, blog post and op-ed template resources in this toolkit are customizable: look for [BRACKETS] and insert relevant state information.
- Resources are downloadable from this toolkit: follow the instructions throughout to download materials.