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SEP: Important Information About Special Enrollment Period

ACA, Individual and Family, Medicaid, News, Obamacare, Special Enrollment Period, Supplemental
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March 24, 2022
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Biden-⁠Harris Administration Lowers Health Care Costs

ACA, News, Special Enrollment Period

 Fact Sheet: Biden-Harris Administration Lowers Health Care Costs 


Like President Biden, Vice President Harris also believes that health care is a right, not a privilege. Together, they promised to ensure that every American has access to quality, affordable health care and the peace of mind that health insurance brings. Just weeks after taking office, the Biden-Harris Administration opened a special enrollment period through HealthCare.gov to provide all Americans the opportunity to sign up for health insurance.

Health insurance is now more affordable than ever thanks to the American Rescue Plan.  Because of the law’s enhanced tax credits, nine million Americans who buy their coverage through the Affordable Care Act have lower premiums, saving families an average of $40 per person per month.  Since April 1, over one-third of new and returning HealthCare.gov customers have found a quality plan with a premium of $10 or less per month, and returning HealthCare.gov consumers have seen their premiums drop, on average, by 40 percent.

This success is why it is so critical to pass the Build Back Better Agenda through budget reconciliation: to ensure that Americans can continue to take advantage of these savings.  

Reducing Health Care Costs. The Build Back Better Agenda will extend the enhanced tax credits that lower premiums. Extending these lower premiums will allow nine million people to continue to save hundreds of dollars per year on their premiums, and four million uninsured people will gain coverage.

Passing the Build Back Better Agenda Is Urgent. The premium reductions in the American Rescue Plan have provided a critical lifeline for millions of people and buoyed our work to enroll consumers to date.  We cannot let this critical assistance come to an end.  If it expires, millions of Americans will see their premiums increase. On average, premiums would nearly double, and some Americans could see their premiums increase by thousands of dollars per year.  

President Biden and Vice President Harris are committed to building on this progress through the Build Back Better Agenda, which will expand on these efforts and make healthcare more accessible and affordable.  Specifically, the President’s Build Back Better Agenda includes:

Expanding Medicare Coverage.  Medicare today doesn’t cover dental, vision, or hearing services, with very limited exceptions.  Many beneficiaries have to pay out of pocket, often costing them thousands of dollars per year. Americans who can’t afford that are forced to go without these critical services instead. That’s why it’s critical we add comprehensive dental, vision, and hearing services to Medicare, so that all beneficiaries will have affordable access to these vital health services.

Lowering Prescription Drug Costs. For every other type of health care service, Medicare works to get the best prices for American seniors. But for prescription drugs – and only prescription drugs – Medicare is prohibited by law from negotiating for the best deal. Medicare should be able to negotiate the prices it pays for prescription drugs, and drug companies that raise their prices faster than inflation should have to pay a penalty.

Closing the Medicaid Coverage Gap. The Affordable Care Act created new pathways to health coverage by expanding Medicaid. Yet, nearly 4 million people can’t get covered because they live in states that refuse to expand Medicaid. The Biden-Harris Administration believes people deserve to have the peace of mind that health insurance brings, which is why we must close the Medicaid gap by providing federally-administered coverage for people in states that refuse to expand, and therefore can’t get covered through no fault of their own.

The Biden-Harris Administration continues to do everything we can to make high quality health care more affordable and accessible. By lowering health care costs, expanding access to coverage, and enabling Medicare to negotiate prescription drugs, Congress can do its part to bring down costs and secure the health and financial security of the American people.

Don’t forget to sign up and get enrolled in one of our healthcare plans.

September 3, 2021
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Biden: 1M sign up for health care during special enrollment

News, Special Enrollment Period
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April 14, 2021
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2021 Special Enrollment Period Access Extended to August 15 on HealthCare.gov for Marketplace Coverage

ACA, Individual and Family, Medicaid, Special Enrollment Period

Today, President Biden announced that the Centers for Medicare & Medicaid Services (CMS) is extending access to the Special Enrollment Period (SEP) until August 15 – giving consumers additional time to take advantage of new savings through the American Rescue Plan. 

This action provides new and current enrollees an additional three months to enroll or re-evaluate their coverage needs with increased tax credits available to reduce premiums.

“Every American deserves access to quality, affordable health care – especially as we fight back against the COVID-19 pandemic,” said HHS Secretary Xavier Becerra. “Through this Special Enrollment Period, the Biden Administration is giving the American people the chance they need to find an affordable health care plan that works for them. The American Rescue Plan will bring costs down for millions of Americans, and I encourage consumers to visit HealthCare.gov and sign up for a plan before August 15.”

As a result of the American Rescue Plan, additional savings will be available for consumers through HealthCare.gov starting April 1. These savings will decrease premiums for many, on average, by $50 per person per month and $85 per policy per month. On average, one out of four enrollees on HeathCare.gov will be able to upgrade to a higher plan category that offers better out of pocket costs at the same or lower premium compared to what they’re paying today. 

Consumers who want to access the SEP to enroll in coverage and see if they qualify for financial help to reduce the cost of monthly premiums, can visit HealthCare.gov or CuidadoDeSalud.gov to view 2021 plans and prices and enroll in a plan that best meets their needs. Additionally, consumers can call the Marketplace Call Center at 1-800-318-2596, which provides assistance in over 150 languages. TTY users should call 1-855-889-4325.  Consumers can also find a local assister or agent/broker in their area: https://localhelp.healthcare.gov

Consumers who are eligible and enroll under the SEP will be able to select a plan with coverage that could start as soon as the first month after plan selection. Current enrollees will be able to change to any plan available to them in their area. To take advantage of the SEP, current enrollees should review their application and make changes, if needed, to their current information and submit their application in order to receive an updated eligibility result.

Additionally, beginning in early July on HealthCare.gov, consumers who have received or have been determined eligible to receive unemployment compensation for any week during 2021 may be able to get another increase in savings when enrolling in new Marketplace coverage or updating their existing Marketplace application and enrollment. These savings to be made available starting in early July for eligible consumers are in addition to the increased savings available to consumers on HealthCare.gov starting April 1.

The SEP is currently available to consumers in the 36 states that use the HealthCare.gov platform. Consumers served by State-based Marketplaces that use their own platform can check their state’s website to find out more information on Special Enrollment Periods in their state.

This article was originally published on hhs.gov on March 23, 2021.
Written by: HHS Press Office

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March 24, 2021
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The American Rescue Plan: Reduces Health Care Costs, Expands Access to Coverage and More

ACA, General Information, Medicaid, Special Enrollment Period
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March 13, 2021
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