FRANKFORT, Ky. – Kentuckians who need medical insurance in 2018 have just a few more days to apply for it through the federal Health Insurance Marketplace.
The open enrollment period has been 45 days shorter than last year – and it ends this Friday.
John Watkins, acting executive director, Kentucky Health Benefit Exchange says there are assisters available in every county that can help people evaluate their options, and find out if they are income-eligible for tax credits that can reduce their monthly rates substantially.
"Because of the unique dynamics this year in most Kentucky regions, a dollar to $50 is what we've seen that people are able to get if they're getting some of these tax credits to help pay their premium," he states.
Watkins says more than 36,000 Kentuckians have already actively enrolled in a marketplace plan, a number that doesn't include people who have been automatically re-enrolled.
Information on insurance plans and local resources can be found online at healthcare.gov.
There is only one insurance provider offering marketplace plans in each county in Kentucky – Anthem Blue Cross is in 59 counties, and CareSource is in the other 61.
And Watkins recommends anyone who might have questions about coverage reach out to local assisters, given the overall uncertainty about the future of the health care law.
"The ACA is active and is the same as it was a year ago, for the most part,” she states. “I will say that, because of all of the national discussion and headlines that have been going on, it's important for those that are trying to select the appropriate plan to go to an in-person assister."
According to the Centers for Medicare and Medicaid Services, more than 1.5 million Americans have signed up for a marketplace health plan since open enrollment began on Nov. 1.
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Summer will be here before you know it, and experts say now is the time to get prepared for Arizona's scorching and life-threatening temperatures.
Some 645 heat-associated deaths were confirmed by Maricopa County's Department of Public Health in 2023, breaking the previous year's record by more than 50%.
Dr. Rebecca Sunenshine, the health department's medical director, said the 2023 Heat Related Deaths Report demonstrates this is a significant public health concern for Arizona's most populous county.
"This is really a call to action," she said, "to make sure that we all come together across the county - community-based organizations, cities, the county government - to prevent these deaths almost all of which are preventable."
In 2023, an average of 13 heat related deaths per day occurred during July, with people who were unhoused making up the largest proportion. With hotter months on the way, Sunenshine encouraged Arizonans to check on neighbors and seniors who may live alone, make sure air conditioning systems are working and follow the county's "10 tips" to stay safe in the heat.
In addition to tracking heat-related deaths, the Department of Public Health also conducted an evaluation of cooling and respite centers that were part of Maricopa County's Heat Relief Network last year. Sunenshine said they learned valuable details - including that two-thirds of respondents didn't have a stable home, and that many people found the cooling centers only through roadside signs advertising them.
"Some of the biggest barriers to accessing cooling centers are not knowing they exist, not knowing where they're located and not having transportation," she said, "and we based all our actions this upcoming summer on the results of this cooling center evaluation."
She said they were able to establish a call center, operated by bilingual community health workers, to help connect people not only to heat-relief resources but to energy and security-assistance programs.
Arizonans can call 211 to help find transportation to the nearest heat-relief location, when they open again on May 1.
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This week, an Alabama group is drawing attention to the need for Medicaid expansion.
Currently, approximately 300,000 people are stuck in a health care coverage gap, earning too much for Medicaid but not enough for private insurance.
Debbie Smith, Cover Alabama campaign director for Alabama Arise, said they are reaching out to legislators statewide and sharing information about the stakes involved.
"About 19 of our rural hospitals are at risk of immediate closure," Smith reported. "That means they are at risk of closing in the next year. And having patients that come in that don't have health insurance coverage is not good for their bottom lines."
The Cover Alabama Coalition is engaging lawmakers through meetings in their districts and encouraging residents to share their experiences and thoughts on Medicaid expansion via social media. Although 19 rural hospitals are due for immediate closure, a report on rural hospitals from advisory firm Chartis highlighted more could be at risk in the long run. The report revealed nearly 74% of Alabama's rural hospitals are operating at a loss.
Smith sees Medicaid expansion as a life-or-death matter, which can greatly enhance the quality of life for many residents. She noted it would provide access to preventive care and vital medications, and can help people enter or remain in the workforce. She pointed out the current Medicaid threshold creates barriers for families in need.
"Let's say a single mom with two kids, she can't make more than $4,656 a year and still qualify for Medicaid unless she has a disability or is pregnant," Smith observed. "And at the other end of the perspective, they have to make at least around $25,000 to qualify for the health insurance marketplace."
She added the expansion could also benefit around 5,000 veterans who lack coverage. Currently, 41 states including District of Columbia, have already expanded Medicaid. Mississippi has also recently passed legislation in its House, it is now waiting for a Senate vote.
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On Tuesday, Care4All California, a coalition fighting for affordable health care, unveiled a package of bills its members say they would like state lawmakers to pass.
Assembly Bill 3129 would give the California Attorney General the power to accept, reject or modify health care transactions involving private equity or hedge funds.
Asm. Jim Wood, D-Healdsburg, Assembly Speaker Pro Tempore and author of the bill, said mergers often improve the corporate bottom line but lead to higher prices for patients.
"We're often led to believe these consolidations will save money, that it's good for consumers," Wood observed. "But what we're actually seeing in health care is just the opposite, and it reduces competition."
Opponents said the bill would give government officials too much power. Care4All California also endorsed bills to help the state enforce requirements around implicit bias training for women's health providers in an attempt to make sure patient complaints are taken seriously and to reduce the number of people of color who die from pregnancy complications.
Asm. Laura Friedman, D-Glendale, is behind Assembly Bill 2297, which she said aims to make sure people do not lose their homes due to medical debt.
"A loophole allows debt collectors to place liens on patients' homes to collect unpaid medical debt," Friedman pointed out. "AB 2297 closes that loophole, and prohibits liens on property when collecting medical debt from financially qualified patients."
Another bill in the package would allow a 12-month grace period to cover people who qualify for Medi-Cal but were kicked off due to an administrative issue.
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