CMS reports that almost 5.5 million Americans have signed up for 2023 health insurance coverage through the individual market since the beginning of the open enrollment period. CMS shows that of the 5.5 million, there are about 1,182,794 new customers and 4,278,325 returning consumers.
December 15th, 2023, is the last day for open enrollment for Michiganders. Currently, Michigan has 112,146 individuals signed up through healthcare.gov, which doubled from 67,882 last month. Plans purchased on or before December 15th start on January 1st, 2023. Plans purchased or changed from December 15th until January 15th, 2023, will have a delayed start, which will begin on February 1st, 2023.
“Every Michigander deserves access to high quality, affordable health care, and that is why it is so important for Michiganders who need health insurance for 2023 to buy a health plan during open enrollment,” Governor Whitmer said. “With new options available to lower the cost of health insurance, Michiganders have more time, more support, and more resources to get covered. I will continue to work with anyone to cut costs for Michiganders and build a healthier Michigan where families can thrive.”
Michigan policy makers credit several federal and state factors that have made it easier and more affordable for Michiganders to obtain healthcare.
- Inflation Reduction Act — expands Medicare benefits, Medicare’s new ability to negotiate drug prices, and starting in 2025 there will be a cap for out-of-pocket prescription drug costs in Medicare.
- Three Michigan organizations expanded access to qualified Navigators
- IRS fixed the “family glitch.” — 2013 ACA implementation rule that based eligibility for a family’s premium subsidies on whether available employer-sponsored insurance is affordable for the employee only, even if it’s not actually affordable for the whole family.
Biden-Harris Administration Notice of Benefit and Payment Parameters Proposed Rule — expanded two new major essential community provider categories: Substance Use Disorder Treatment Centers and Mental Health Facilities.