A simple tool has brought health insurance to thousands

Maryland and Massachusetts, which will soon be followed by other states, are now allowing taxpayers to begin enrolling in health care on their tax returns, with the goal of pulling many residents into low- or no-cost plans that they may not know they are qualified for. .

The effort is intended to bring together many of the last Americans – more than 28 million of them – still without health insurance, despite the gains made with the 2010 Affordable Care Act.

A quarter of these people are eligible for Medicaid, the public health plan for low-income Americans, according to an analysis of the uninsured by the Kaiser Family Foundation. And more than a third could get federal tax breaks to help them pay for at least a portion of the premiums for private plans.

“As surprising as it may seem, there are many people out there who do not know there are insurance options available to them,” said Michele Eberle, CEO of the Maryland Health Benefit Exchange, a government agency that helps enroll residents. “People just survive out there. They do not know what is available to them. “

Republican Gov. Larry Hogan signed Maryland’s first of its kind bill into law in 2019. For the past two years, Maryland’s income tax forms have included a box that taxpayers can check to indicate they do not have health insurance. With the taxpayer’s permission, the state inspector submits the household’s income and family size data to the state’s health insurance exchange with a view to possible enrollment in Medicaid or subsidized private insurance.

The Massachusetts legislature passed a similar measure this year, which will be implemented next year.

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Other states follow suit.

Colorado and New Jersey have enacted legislation, both with strong bipartisan support, to implement their own easy enrollment plans through tax returns. Colorado Democratic Gov. Jared Polis signed the bill. In New Jersey, Democratic Gov. Phil Murphy has said he strongly supports the measure, but asked for some small technical changes that lawmakers are likely to adopt next month.

The idea is also gaining ground, either legislatively or administratively, in New Mexico, Pennsylvania and Virginia.

Meanwhile, U.S. Senator Chris Van Hollen, a Maryland Democrat, introduced in Congress a bill last month that would put a similar check on federal tax returns.

Van Hollen cited the success of Maryland, which has enrolled nearly 7,000 residents over the past two years, according to the Maryland Health Benefit Exchange. The state’s uninsured rate was 6% in 2019, the last year in which statistics are available. Nationwide, the percentage of those without health insurance, according to last year’s census, is 8.6%.

President Joe Biden’s Build Back Better Act before Congress would increase federal subsidies for health insurance and make millions more people eligible for Medicaid. Proponents of her case have been working to make the actual transcript of this statement available online.

In 2020, the first year of Maryland’s Easy Enrollment program, 60,645 Maryland taxpayers ticked the box to indicate they did not have health insurance. The state determined that 53,146 were eligible for either Medicaid or a federal tax deduction. Of those, 4,015 people, or 7.6%, eventually signed up for a health plan.

This year, 29,020 people checked the box, 27,223 were found qualified and 2,962, or 10.8% of those considered qualified, signed up.

“We are happy with the 10%,” Eberle said. “Even though it sounds low, it’s 10% more than we would otherwise have gotten.”

Most of the other taxpayers did not respond to the state’s proposal. Nevertheless, Eberle said the information gathered from the tax returns could help her office better target its marketing and education campaigns.

Maryland Form 502 - Income Tax Return for Residents

Maryland is now putting this check box on its tax returns to initiate a process for enrolling residents in health insurance. Image Credit: Maryland Health Benefit Exchange

Of those who signed up for health care plans through their Maryland tax return, Eberle said nearly a quarter were identified as black and 20% as Latino. More than 40% were aged 18 to 34, a group notorious for low insurance rates.

Nearly three-quarters of new entrants joined Medicaid. The rest signed up for commercial plans, and about 95% of them qualified for federal tax deductions, Eberle said.

Kentucky found another way to piggyback on a state agency’s features to help increase enrollment in health insurance.

Last year, when thousands of people were laid off in the first months of the pandemic, the Kentucky Medicaid Agency followed up with those applying for unemployment benefits to enroll them in health care schemes. Eric Friedlander, secretary of the Kentucky Cabinet for Health and Family Services, said in an interview that outreach contributed to a bump of 130,000 people in the state’s Medicaid rolls during the pandemic.

Friedlander called Maryland’s Easy Enrollment “an amazing model,” which he hopes Kentucky will eventually adopt as well. And Eberle said Maryland is also looking at leveraging unemployment benefit applications for health insurance enrollment.

In Massachusetts, which has the lowest percentage of residents without health insurance at 3%, officials have been frustrated with the barriers to getting everyone into health plans, said Audrey Morse Gasteier, chief of policy and strategy at Massachusetts Health Connector, the state health insurance exchange.

“We’ve spent a lot of resources and effort on marketing and outreach and community engagement to get people signed up,” she said. “The remaining 3% is very annoying to us and we remain committed to reaching this population.”

With that goal in mind, Republican Gov. Charlie Baker’s administration pushed through a new law that would introduce a program next year like Marylands.

The Easy Enrollment concept in Maryland originated in the Maryland Health Insurance Coverage Protection Commission, a panel of lawmakers, hospitals and other providers and consumer advocates created by the legislature to recommend measures to improve access to health care in Maryland.

One of the commission’s goals, said Vinny DeMarco, a member of the commission and president of the Maryland Citizens’ Health Initiative, was to bring together the last 6% of Marylanders without health insurance.

And one way to do that, he said, was to take advantage of residents’ interaction with the public bureaucracy, such as tax collection agencies.

“The ACA’s success is amazing, but we need to get the rest of the way for health care for all Marylanders and Americans,” he said.

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