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2016 Survey of Health Insurance Marketplace Assister Programs and Brokers

Executive Summary
  1. Center for Consumer Information and Insurance Oversight, “Navigator Grant Recipients for States with Federally-facilitated or State Partnership Marketplace,” available at http://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Navigator-Grantee-Summaries-UPDATED-05-05-15.pdf.

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  2. In year 3, the 14 SBM states were California, Colorado, Connecticut, District of Columbia, Hawaii, Idaho, Kentucky, Maryland, Massachusetts, Minnesota, New York, Rhode Island, Vermont and Washington.  The 3 consumer assistance FPM states were Delaware, New Hampshire and West Virginia.  Arkansas and Illinois were approved for status as a consumer assistance FPM in year one, but have since ceased providing state support for consumer assistance.  The FPM states were included with FFM states for this analysis.

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  3. During the third Open Enrollment period, FEAPs operated in Arizona, Florida, Georgia, Indiana, Louisiana, North Carolina, New Jersey, Ohio, Pennsylvania, and Texas.

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  4.   Twelve CAP programs received limited supplemental grants for FY 2015:  California, Connecticut, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New York, North Carolina, and Vermont.

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Section 2: In-Person Assistance During Open enrollment
  1. https://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2015-Fact-sheets-items/2015-12-30.html

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  2. http://www.cbpp.org/research/remote-identity-proofing-impacts-on-access-to-health-insurance

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  3. https://www.cms.gov/Newsroom/MediaReleaseDatabase/Fact-sheets/2016-Fact-sheets-items/2016-03-11.html

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  4. http://khn.org/news/paperwork-inconsistencies-causing-thousands-to-lose-obamacare-subsidies/

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  5. https://aspe.hhs.gov/basic-report/health-plan-choice-and-premiums-2016-health-insurance-marketplace

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  6. See for example A Frakt, “Too Many Choices,” Academy Health, 2013, available at http://blog.academyhealth.org/too-many-choices/

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  7. Patient Cost Sharing in Marketplace Plans, 2016, Kaiser Family Foundation, available at http://kff.org/health-costs/issue-brief/patient-cost-sharing-in-marketplace-plans-2016/

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  8. “Five Facts About Deductibles” CMS blog post November 17, 2015, available at https://blog.cms.gov/2015/11/

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  9. 2016 Survey of Non-Group Health Insurance Enrollees, Wave 3, Kaiser Family Foundation, available at http://kff.org/health-reform/poll-finding/survey-of-non-group-health-insurance-enrollees-wave-3/

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Section 4: Consumer Assistance by Health Insurance Brokers
  1. http://www.coveredca.com/news/

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  2. Personal communication, April 29, 2016

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  3. Personal communication, April 29, 2016.

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  4. http://insurancenewsnet.com/oarticle/unitedhealthcare-to-stop-paying-insurance-agents-for-selling-aca-health-plans

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  5. http://www.usatoday.com/story/news/nation/2016/03/31/insurers-cut-commissions-restrict-when-and-what-plans-people-buy/82210946/

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  6. http://khn.org/news/licking-wounds-insurers-accelerate-moves-to-limit-health-law-enrollment/

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  7. http://ctmirror.org/2016/02/12/state-says-unitedhealthcare-cant-ax-broker-commissions/

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  8. http://csahu.org/images/B-4_87_Prohibition_on_Differing_Commission_Structures_for_the_Sale_of_Health_Benefit_Plans.pdf

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  9. http://insurance.ky.gov/Documents/AdvOp16_01AgentCommissionPayments010616.pdf

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  10. http://www.benefitspro.com/2016/04/08/covered-california-posts-agent-comp-draft

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Discussion
  1. See for example, M Buettgens et al, “More than 10 Million Uninsured Could Obtain Marketplace Coverage through Special Enrollment Periods,” November 2015, available at http://www.urban.org/sites/default/files/alfresco/publication-pdfs/2000522-More-than-10-Million-Uninsured-Could-Obtain-Marketplace-Coverage-through-Special-Enrollment-Periods.pdf

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Methods
  1. https://localhelp.healthcare.gov/

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