Dec 18 Individuals who select their health
insurance plan on the exchanges set up under the national
healthcare reform law by the Dec. 23 deadline will have until
Jan. 10 to pay and still receive coverage as of Jan. 1, 2014,
the nation's largest organization of insurers said on Wednesday.
Some insurers had already announced similar moves
individually, but now plans selling insurance on either the
state or federal exchanges will voluntarily honor the delayed
payment schedule, America's Health Insurance Plans said in a
But some state-based exchanges said they are not adopting
the timeline, which could create confusion for consumers who
must pay insurers to be covered. Many individuals will receive
government subsidies to help offset the cost of insurance sold
on the exchanges, but they still must pay the balance.
"Healthcare is local. The arrangements are local. The
delivery is local. The payment is local ... Consumers in
California need to have paid by January 6th," Peter Lee,
Executive Director of Covered California said during a
conference call with journalists.
Connecticut, which had moved its payment date to Jan. 7 for
some shoppers, also said that it was sticking to its due dates,
saying that the changing information, rules and policies are
confusing and a challenge for consumers.
Under the Affordable Care Act, often called Obamacare,
individuals must buy health insurance for 2014 or pay a fine.
But shoppers have been hindered by massive technology problems
on the federal website HealthCare.gov, which sells insurance in
36 states, and in some of the other 14 states running their own
Exchanges and some insurers began moving deadlines back
after the government moved the plan selection deadline from Dec.
15 to Dec. 23, a move it said was aimed at making sure tech
problems and the cancellation of some individual insurance plans
did not create a logjam of shoppers.
The government last week said that it was urging insurers to
allow shoppers more time to pay their first premiums and also
suggested other measures like extending the plan selection
deadline for Jan. 1 coverage.
AHIP said that moving the deadline will help protect
consumers from potential gaps in their coverage caused by the
HealthCare.gov issues, which have also affected data
transmissions to the insurers about their new customers.
"Significant progress has been made in recent weeks to
improve the enrollment process for consumers, but more work
needs to be done to resolve the back-end challenges,
particularly those related to processing enrollment files, to
ensure all consumers who selected a plan are enrolled in
coverage," it said.
WellPoint Inc, which operates 14 Blue Cross Blue
Shields that offer exchange-based plans, said it would follow
the AHIP schedule with the Jan. 10 deadline.
Aetna Inc and Molina Healthcare Inc had already
announced similar extensions last week.
Two other states running their own exchanges had also
already moved deadlines. Rhode Island has said consumers can
select a plan to Dec. 31 and must pay by Jan. 6. Maryland has
extended its enrollment cut-off to Dec. 27 and its payment
deadline to Jan. 15.