In light of recent postal delays and housing displacements caused by the COVID-19 pandemic and related economic crisis, and a wave of natural disasters across the country, state Medicaid and Children’s Health Insurance Program (CHIP) agencies face new challenges communicating with their enrollees about their health coverage. Acting now to mitigate these challenges is essential as states are preparing for the end of the public health emergency (PHE) and “catching up” on coverage renewals for a large portion of their enrollees. This expert perspective reviews strategies that state Medicaid and CHIP agencies may consider to help mitigate coverage losses.
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.