The Exchange must
provide special enrollment periods consistent with this section, during which qualified individuals may enroll in QHPs and enrollees may change QHPs.
We are therefore proposing to modify the requirements to reflect that the SHOP's proposed role is not to
provide special enrollment periods, but to ensure that QHP issuers offering coverage through the SHOP provides the special enrollment periods set forth in regulation.
We note that, as specified in the proposed rule, this policy
provides a special enrollment period inside the Exchange for individuals whose coverage in group health plans and individual market plans offered outside of the Exchange is expiring, including grandfathered and transitional plans.
We propose to amend paragraph (d)(1)(ii) which
provides a special enrollment period for individuals enrolled in non-calendar year individual health insurance coverage when their policy year ends in 2014.
Not exact matches
Important: Losing individual coverage doesn't qualify for a
Special Enrollment Period if you voluntarily drop coverage, if you lose coverage because you didn't pay your premiums, or if you lose Marketplace coverage because you didn't
provide required documentation when the Marketplace asked for more information.
Response: HHS has issued technical guidance, including the Standard Companion Guide Version 1.5 (issued March 22, 2013), which
provides Exchanges with the information necessary to build the ability to send the reason for
Special Enrollment Periods on the enrollment tr
Enrollment Periods on the
enrollment tr
enrollment transaction.
The qualifying events that trigger
special enrollment periods are the same as they were in 2017, although there's an increased focus on verifying eligibility for
special enrollment periods, so be prepared to
provide proof of your qualifying event.
Providing a coverage effective date of the first of the month following the date of death would give the consumer retroactivity if they are reporting the death late in the
special enrollment period window.
We believe this balances the need to
provide dependents of the deceased a
special enrollment period, while addressing requests from commenters to limit the middle of the month and retroactive coverage effective dates.
Comment: Several commenters requested HHS
provide authority for additional triggering events for
special enrollment periods.
If you miss the open
enrollment period or lose your major mmedical insurance and do not qualify for a
special enrollment period, temporary health insurance can also
provide coverage until the next open
enrollment period begins.
Comment: Several commenters urged HHS to clarify the proposed changes to the
special enrollment period for a permanent move, including specifying that consumers must submit proof of a change of address and
providing clarification that changes to the
special enrollment period for a permanent move Start Printed Page 10798includes individuals who are being released from incarceration.
As a result, the rules are being followed much more closely than they were in previous years, and in most states, anyone enrolling during a
special enrollment period is required to
provide proof of the qualifying event that they experienced
For the amendments at § 155.420, we considered not codifying the existing
special enrollment periods for consumers who are or were victims of domestic abuse or spousal abandonment and need to enroll in coverage apart from their abusers or abandoners, have been determined ineligible for Medicaid or CHIP, have been impacted by a material plan or benefit display error, or have resolved a citizenship or immigration inconsistency post-expiration, all currently
provided through guidance.
Therefore, HHS will
provide issuers with suggested
special enrollment period language that they could use in their existing consumer notices to satisfy the requirement that they notify enrollees of their eligibility for a
special enrollment period.
Section 1311 (c)(6)(C) of the Affordable Care Act directs the Secretary of HHS to require an Exchange to
provide for
special enrollment periods specified in section 9801 of the Code and other
special enrollment periods under circumstances similar to such
periods under part D of title XVIII of the Act.
Comment: We received strong support for codifying the
special enrollment period for material plan or benefit display errors at § 155.420 (d)(12) because it
provides needed protections to consumers who may have been misled when deciding which QHP to enroll in.
Response: We agree with commenters about the benefit of codifying these five
special enrollment periods and that doing so
provides clarity for stakeholders and consumers across Exchanges.
In addition, we introduced a
Special Enrollment Confirmation Process under which consumers enrolling through the most common special enrollment periods are directed to provide documentation to confirm their eligibility for their special enrollment
Special Enrollment Confirmation Process under which consumers enrolling through the most common special enrollment periods are directed to provide documentation to confirm their eligibility for their special enrollme
Enrollment Confirmation Process under which consumers enrolling through the most common
special enrollment periods are directed to provide documentation to confirm their eligibility for their special enrollment
special enrollment periods are directed to provide documentation to confirm their eligibility for their special enrollme
enrollment periods are directed to
provide documentation to confirm their eligibility for their
special enrollment
special enrollmentenrollment period.
By codifying these, we seek to ensure that these existing
special enrollment periods are applied consistently across Exchanges, and to
provide both issuers and consumers with greater certainty in how these
special enrollment periods are applied.
We recognize the importance of
providing clarity about how an Exchange may verify a consumer's eligibility for a
special enrollment period, as well as about how the FFE plans to verify
special enrollment period eligibility through its pre-
enrollment pilot.
In addition, we believe that codifying these
special enrollment periods provides increased stability to the Exchange market.
Special Enrollment Periods include things like having a baby, losing your job where you had employer -
provided health insurance, and moving to a new zip code where you may need to look for a new plan.
When you apply for Marketplace coverage and qualify for a
Special Enrollment Period, you may be asked to
provide documents to confirm the events that make you eligible.
Important: Losing individual coverage doesn't qualify for a
Special Enrollment Period if you voluntarily drop coverage, if you lose coverage because you didn't pay your premiums, or if you lose Marketplace coverage because you didn't
provide required documentation when the Marketplace asked for more information.
It
provides a broad coverage in the U.S.. However, you can enroll into such insurance plans only during the open
enrollment period, unless eligible for a
special enrollment period, and you have to stay enrolled in the plan all year.
If your job
provided the health insurance for the entire family, your spouse can initiate coverage for the family, because loss of coverage is a qualifying event that triggers a
special enrollment period, regardless of when it happens during the year.
This bill would require people enrolling through the exchanges outside of open
enrollment (i.e., during a
special enrollment period triggered by a qualifying event) to
provide proof of the qualifying event.
If you have a job that
provides health insurance but you've chosen to waive that health insurance, you'll be eligible for a
special enrollment period at your workplace.
HealthCare.gov and many of the state - run exchanges have stepped - up eligibility verification for
special enrollment periods, so be prepared to
provide proof of your qualifying event.
Changes include different dates for the annual Individual and Family Health Insurance Open
Enrollment Period, stricter
Special Enrollment eligibility rules including requirements to
provide proof of prior coverage.