Thousands of Tennesseeans will be shopping for new health insurance plans for next year when open enrollment begins November 1. The experts say it's important to be aware of exactly what you're getting.

Over 600,000 Tennesseans don't have health insurance, according to the Kaiser Family Foundation.

Michele Johnson, executive director of the Tennessee Justice Center, said people shopping for coverage need to do some research to choose the most suitable plan for them.

She added that some plans are more affordable now that Congress has extended the subsidies that help many people pay for coverage.

"For lower-income folks, you can get a plan that provides really solid coverage, and you can get it for free or very low cost," said Johnson. "The most important thing to look for when choosing a plan is to make sure your doctors are in the plan - and then, make sure that your medicines are covered."

The Inflation Reduction Act included a provision to extend the Affordable Care Act's premium subsidies through 2025, so the subsidy rules that are in effect this year will continue for 2023.

To find out if you're eligible, visit 'Healthcare.gov' online. Enter your ZIP Code and the system will prompt you to enter income information, which determines how much your premium subsidy would be.

Johnson explained that the amount of savings is tied to your income, based on the Federal Poverty Level.

"If you're 400% of poverty or below, which is really upper-middle class in Tennessee, you will benefit from some subsidies," said Johnson. "The 200% in poverty and below, really generous subsidies. Folks below 200% of poverty can get plans for a really cheap amount per month."

The system then shows you the insurance plans available within your geographic area.

Dr. Rhonda Randall, chief medical officer for UnitedHealthcare, noted that there are some options that people may not think about - such as how a plan would handle a significant health event, like a pregnancy or chronic health condition.

She added that since the pandemic, more people also have recognized the benefits of getting care online.

"Plans that include virtual care services," said Randall, "for both medical conditions as well as behavioral health conditions, have become very popular. We've seen the utilization of those increase. You're also looking for a plan that has not only virtual health options, but a connection to in-person care as well."

Randall said adding dental, vision or hearing coverage is another consideration, as well as double-checking whether the plan covers the prescriptions you need. In short, she recommended that people do their homework, as enrollment dates are fast approaching.

After more than 50 years of use, some Michigan lawmakers say naloxone may not be the best choice in an overdose situation.

Naloxone is sometimes called the "Lazarus drug" because of its powerful ability to seemingly resurrect people after a drug overdose.

Sen. Kevin Hertel, D-St. Clair Shores, and some of his colleagues have introduced a bill which would open the door for what they say are more costly, but more powerful, antidotes.

"Given the prevalence of fentanyl in our communities, and how much stronger some of these drugs that we're now seeing are, we believe -- and in talking with others -- that there should be other tools to respond to an overdose," Hertel explained. "To make sure we're doing everything we can to save somebody's life."

Not everyone is on board with the proposed legislation, Senate Bill 542. Opponents argued the more expensive naloxone alternatives are not necessary, and using them would only increase profits for the pharmaceutical industry.

Jonathan Stoltman, director of the Opioid Policy Institute in Grand Rapids, said while the naloxone alternatives do help in overdose situations, they can also cause nasty side effects.

"The newer approaches, they put people into more severe withdrawal," Stoltman pointed out. "That's a pretty profound negative side effect. The one approach is very inexpensive and works great; the other approach is far more expensive and has this strong negative side effect."

Sponsors of the bill say they're hoping to give Michigan residents a chance to chime in on the issue in a public hearing sometime in June. Michigan saw more than 3,000 opioid overdose deaths in 2021.


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New Mexico saw record enrollment numbers for the Affordable Care Act this year and is now setting its sights on lowering out-of-pocket costs - those not reimbursed by insurance. More than 56,000 New Mexicans are enrolled in a medical health insurance plan on the state exchange - an increase of 12,000 people overall.

Colin Baillio, deputy superintendent with the state's Office of Insurance, said the state has boosted its outreach and made efforts to improve the overall consumer experience.

"We saw a 40% year-over-year increase, and New Mexico saw the biggest percentage increase during the open-enrollment period among all of the state-based marketplaces," he explained

Part of the enrollment increase is due to what's called the "unwinding" - a federal directive that required all states to redetermine Medicaid eligibility following a three-year pause on checks during the COVID pandemic. He said by using expanded tools made available by the federal and state government, 8% of New Mexico's population is now uninsured - down from 23% in 2010.

Following approval by lawmakers in the 2024 legislative session, the New Mexico governor signed seven health care-related bills into law - one of which requires annual reporting of prescription drug pricing. Baililo said the Affordable Care Act built the foundation that has allowed the state to pursue additional affordability initiatives.

"I'm really glad to see that there's so much interest in the next step of health reform, really leaning into these out-of-pocket cost issues and making it easier for people to afford to stay covered and see their doctors," he continued.

Two years ago, the state also passed a one-of-a-kind law that did away with behavioral health co-pays for people in certain insurance plans.

New York's medical aid-in-dying bill is gaining further support. The Medical Society of the State of New York is supporting the bill. New York's bill allows terminally ill people with only six months to live to use this option, with safeguards requiring two physicians' approval.

The bill's Assembly sponsor Amy Paulin, D-Westchester, said despite the growing support, other hurdles lie ahead.

"Now we have what I believe, if it came to the floor, a majority. There's still a hesitation on the part of leadership. You know, we need members to assure leadership that they no longer have reservations," she said.

Other newly resolved concerns center on making sure insurance companies and doctors who don't support this aren't held liable. She's optimistic the bill will pass after nine years in the Legislature. New York would be the 11th state along with Washington, D.C. to have medical aid in dying legislation.

Corinne Carey, senior New York campaign director with Compassion and Choices finds the pandemic drew a vivid picture of a person's end-of-life experience. There were images of people dying on ventilators, apart from loved ones, and unable to communicate. She said people began thinking about a "good death."

"And, what is a good death is being surrounded by loved ones, having some measure of control, experiencing the touch of your loved ones, and being the one in the driver's seat," she explained.

Now people have different options for end-of-life care, each of which presents various challenges. Polls show medical aid in dying has garnered considerable support since being introduced in 2015. A 2022 Compassion and Choices poll finds 57% of nurses support medical aid in dying professionally, although fewer support it personally.