Changes coming to 2020 Health Insurance Enrollment
is dropping the use of the federal portal healthcare.gov to access plans and enroll in insurance programs.
That’s a money saver for the state which was finding the cost to use the federal portal to become prohibitive.
“Within this first biennium we will have $5.3 million dollars that would have otherwise been spent to the feds,” says Heather Korbulic, Executive Director with the Silver State Health Insurance Exchange. “And so that's cost the price and the savings,” Korbulic says.
Korbulic says this year the state will run its own portal to help consumers access, pay for and manage their health insurance accounts.
Five years ago, when the Affordable Care Act got underway Nevada tried the same thing with Xerox running the site.
By all accounts it was a disaster and forced the state to use the federal portal healthcare.gov the following year and beyond.
Korbulic says they learned a lot from that incident and are now confident this site Health Link will do the job.
By 2020 Nevada's health care enrollment portal will be independent from federal influence.
“And we think we can do a better job of servicing consumers who have questions or complaints because we will be doing it all in house,” says Korbulic
While the inner-workings of the system are important, most consumers want to know how much more they will be paying for 2020 coverage.
According to the Insurance Division that increase on average will be .05 percent for those seeking coverage on the exchange.
This year consumers have three insurance companies from which to choose: Health Plan of Nevada, Silver Summit and HMO Colorado which will together, offer 26 individual health plans.
Korbulic says federal rules and regulations governing health insurance exchanges are constantly changing.
This year consumers may not receive the same amount of subsidies they have in the past.
How much more they will have to pay out of pocket won't be revealed until later this year.
On September 4, 2019, consumers enrolled in the exchange will be receiving an email telling them to activate their accounts so they can enroll in the new state-run system.
On October 1, 2019, consumers will be able to look at plans and prices.
Actual enrollment begins November 1, 2019 and goes to December 15.