HHS announces auto-enrollment plans for current Marketplace consumers for 2015

Today, the U.S. Department of Health and Human Services (HHS) announced its plans to help give existing Marketplace consumers a simple way to remain in the same plan next year unless they want to shop for another plan and choose to make changes.

In today’s health insurance market, the vast majority of consumers are generally auto-enrolled in their plan year after year.  For example, about 88 percent of employees receiving coverage through the Federal Employee Health Benefits Program don’t choose to change plans and are instead auto-enrolled in their current plan with updated premiums and benefits.  These guidelines aim to bring the Marketplace in line with this practice in the existing insurance market.

As with existing open enrollment periods for employer-based coverage, consumers are strongly encouraged to use the open enrollment period as an opportunity to update their information and reevaluate their health coverage needs for the coming year.

Consumers always have the ability to return to the system for shopping, changing plans, or reporting life changes or a change to their annual income to ensure they are getting the lowest cost possible on their monthly premium. And, to help ensure the program integrity of how taxpayer dollars are spent, while also protecting consumers from having to pay back tax credits they are no longer eligible for, under the approach that the Federally-facilitated Marketplace would use in 2015, the small number of consumers whose updated income information suggests they no longer qualify for a tax credit next year, will still be auto-enrolled in their current plan, but without a tax credit. State-based Marketplaces may take this approach as well, or propose an alternative.

You can read the press release here

The proposed rule is available here

Guidance on Annual Redeterminations for 2015 is available here

The draft issuer renewal and discontinuance notices are open to public comment and may be viewed here