With less than a month to go for Ohio’s uninsured to get signed up on the health insurance exchange, I’m poking my head out of the trenches to report back on my experience signing people up, and to let PB readers in Cincinnati and Canton know how they can enroll before the deadline.
I’ve been with Working America since enrollment began. We’re Champions of Coverage, meaning that our role is to identify uninsured Ohioans and make sure they have the information that they need in order to get signed up.
Primarily, we’re setting up enrollment fairs, where people can get help with the application, talk to a licensed insurance agent about the plans that are available, and sign up for coverage on the spot. And by signing up with a licensed agent through the Working America Health Care program, you’re joining thousands of others to advocate to continuously improve the health coverage that you receive.
Here’s a list of our enrollment events: make sure your friends in Cincinnati and Canton know about them!
But, enough plugging. Here are two lists: one for wonky readers and one for activist readers…
Four Things I’ve Learned While Signing People Up
1. People are happy with their premium. One of the biggest questions about ACA was whether people would feel like they’re getting a good deal. I’ve only talked to one person that didn’t like his premium, and he was one of the few that didn’t get a subsidy. He was still paying less than he did before, he just wanted it lower.
Almost everybody else feels like they’re getting a good deal.
2. People are not happy with the coverage their job provides. I get an awful lot of sign-ups from people whose job offers them a worse deal than they would get on the exchange. They’re either unhappy with the deductible, the premium, or the network. They want to sign up on the health exchange, but they don’t get a discount because they’re covered through work.
3. Ohioans haven’t heard anything about the law. Part of my rap is “what have you heard about signing up for coverage?” and still most people say “this is the first I’ve heard about the Affordable Care Act”. People are surprised to hear that they have to sign up, and even more surprised that they only have until March 31 to sign up.
4. I’ve stopped calling it Obamacare. People think that “Obamacare” is a plan that you enroll in, like Medicare or Medicaid. Calling it Obamacare makes it harder to explain that they may just be eligible to get a discount on the same private insurance plans that were available a year ago.
When I tell people that “Obamacare” is just potential money that they use to buy private insurance, they all wonder what the big deal was.
And or activists…
Three Things Uninsured People Need To Know Before They Get Penalized
1. After March 31, you can’t sign up. Not only is March 31 the last day to go uninsured without paying a fine, but you also can’t sign up after March 31. The next open enrollment period starts in November for 2015 coverage.
You can enroll in Medicaid at any time, but full time workers likely make too much for Medicaid.
2. You pay for your insurance on a sliding scale. I don’t know why it’s taken so long to get the rap this short, but I describe ACA as “the less you make, the less you have to pay for coverage”.
Most uninsured people have been to a clinic or provider that charges based on income. That’s similar to how the health exchange works when it says “you may be eligible for a tax credit”.
3. Full time + minimum wage = really cheap plans. A full-time minimum wage worker earns $16,536 a year. That person’s Silver plan should be $50 a month, and a Bronze between $1 and $33 a month, depending on age and where she lives. Anything less than 40 hours a week at minimum wage would make her eligible for Medicaid.