What some states are do­ing to mit­i­gate the ef­fects of churn

Modern Healthcare - - REFORM UPDATE -

Adopt 12-month con­tin­u­ous eli­gi­bil­ity pe­ri­ods in Med­i­caid, mean­ing in­di­vid­u­als stay in Med­i­caid re­gard­less of in­come fluc­tu­a­tions.

As­sess peo­ple’s on­go­ing eli­gi­bil­ity for Med­i­caid us­ing pro­jected an­nual in­come in­stead of cur­rent monthly in­come. This re­duces rates of eli­gi­bil­ity changes, par­tic­u­larly for work­ers whose earn­ings vary sea­son­ally.

Adopt a Ba­sic Health Pro­gram that en­ables states to get fed­eral funds to sub­si­dize health plans for in­di­vid­u­als and fam­i­lies with in­comes up to 200% of the fed­eral poverty level.

Of­fer pre­mium as­sis­tance pro­grams for in­di­vid­u­als tran­si­tion­ing from Med­i­caid to ex­change plans.

En­cour­age or re­quire in­sur­ers to of­fer both a Med­i­caid and pri­vate plan on the state’s in­sur­ance ex­change.

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