New HHS rule could literally switch your health plan every year, without your OK

New HHS rule could literally switch your health plan every year, without your OK

[Ed. – The rule is proposed, meaning it’s been published for comment.  Like most rules proposed by the Obama administration, it will be implemented.  If you complain to your representatives, you can at least have the citation in hand.]

Here’s a Friday Obamacare news-dump for you: In a 300-page regulatory proposal released late this afternoon, the Department of Health and Human Services announced that it is considering changing Obamacare’s auto-renewal rules so that, within the health law’s exchanges, instead of being automatically renewed into your current health plan, you’d be moved into the lowest cost plan from the same service tier.

From the attached fact sheet:

Under current rules, consumers who do not take action during the openenrollment window are re-enrolled in the same plan they were in the previous year, even if that plan experienced significant premium increases. We are considering alternative options for re-enrollment, under which consumers who take no action might be defaulted into a lower cost plan rather than their current plan.

(Fact sheet via Adrianna McIntyre; proposal first noted by Politico.)

States running their own exchanges could start doing this in 2016, and federal exchanges could start in 2017.

It’s not just auto-reenrollment. It’s auto-reassignment…

There does appear to be some possibility of user choice built into the plan; although the summary fact sheet doesn’t note it, enrollees would be able to select whether or not they want to be involved in auto-reassignment. Enrollees still, however, wouldn’t know exactly what they would be getting into when they made their choice.

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