Open Enrollment is Here!

AKA-RegistrationOpen Enrollment under the Affordable Care Act (ACA) is finally here! You can sign up for health coverage for 2016 at www.healthcare.gov or www.cuidadodesalud.gov from now through January 31, 2016.

Here are some resources to help you choose the right coverage for you and your family.

  1. Understanding health insurance can be tricky, even if you previously had coverage. It’s important to learn about the different aspects of health insurance so you can choose the plan that best fits your needs. Check out this Health Insurance Basics guide for key terms that you need to know. It’s also available in Spanish.
  2. The next step to making sure you choose the right plan for you and your family is to learn about your options for coverage. This guide, available in both English and Spanish, can help you assess your options. Additional information on how to compare health plans, shop for coverage, and choose the best health insurance plan for you is available through the Health Insurance Marketplace.
  3. Free in-person enrollment assistance is available to help answer your questions about the process and help you enroll. To find local help, visit localhelp.healthcare.gov or call 1-800-318-2596.

For more resources and information about how you can get health coverage in 2016, please visit healthcare.gov.

Immigration Status Adds Layer of Complexity to ACA Enrollment

One NCLR Affiliate is working to reach eligible immigrants in families with mixed statuses

By David Castillo, New Media Manager, NCLR

The promise of the Affordable Care Act (ACA) can only be met once everyone who is eligible and in need of health coverage receives it. This is especially true for the Latino community, which stands to benefit the most from the new health care law, but only if more of us enroll.

For millions of Americans navigating the Health Insurance Marketplace, there are myriad questions ranging from what plans make the best fit to how much coverage is needed. These are basic questions anyone might have, but for many families, questions about immigration status can complicate the process, especially for those in mixed-status families who are eligible for coverage under the ACA.

A CPLC staffer assists a Tucson resident in signing up for health coverage.

A CPLC staffer assists a Tucson resident in signing up for health coverage.

Mixed-status families, defined as those with members who have different immigration statuses in the same household, often face some of the biggest obstacles to getting coverage for their eligible members. It is a population that requires special consideration for their family dynamics and their cultural sensitivities. One group that has been working closely with this population is Chicanos Por la Causa (CPLC), an NCLR Affiliate based in Phoenix.

As brokers for insurance company Blue Cross/Blue Shield, CPLC is involved in going into the community to answer questions, address concerns, and get people signed up for health coverage. CPLC Insurance President Alicia Nuñez and Lead Sales Representative Rosa Castillo have a lot of experience working with mixed-status families and spoke with us about the challenges they encounter in enrolling folks.

“The overwhelming concern people have is about enforcement of immigration laws,” said Nuñez. “Most of the questions we get are ‘will this affect my status?’”

Nuñez and Castillo drive home the point that information is not collected for immigration enforcement purposes. It’s one they have to stress often. Both credit the anti-immigration attitudes and policies that have become synonymous with Arizona as part of the problem. “They are often scared to even ask about health care,” said Nuñez.

Another of the concerns parents raise is related to the eligibility of their children. Undocumented parents are often unsure whether their kids even qualify. “They don’t believe the subsidies would apply to them because they [the parents] don’t have legal status,” said Nuñez.

CPLC has also done a lot of work in providing the community with a base level of understanding of what health insurance is and how it works.

“Regardless of mixed-status or not, if they’ve never had health insurance, explaining it and how it works… takes up the most time,” said Castillo. CPLC has made it a top priority to educate the community so folks have a general understanding of the ACA.

Nuñez and Castillo have resorted to some creative tactics to achieve this goal.

“A lot of folks come here because they know it’s the law. So, I’ll just draw basic pictures or diagrams that show the White House and Congress and the laws coming from them. It helps give them a basic understanding,” said Nuñez. “I find that people really like that.”

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A CPLC staffer provides a demonstration at a Dia de los Muertos enrollment event.

They also use the car insurance model, which many immigrants are more familiar with, to help draw a clearer picture of how ACA works. “We try to explain it as clearly as possible, but explanations are tailored for each person that comes in. By the time folks leave, they have a good understanding of how insurance works, no matter their understanding when they walk in,” said Castillo.

CPLC’s work to enroll people has certainly paid off. Castillo shared one success story of a woman who in 2008 found herself in the hospital for just a few days. At the end of her stay, she was presented with a $78,000 medical bill.

“It stressed her out and she lost her job. She was afraid of everything,” said Castillo. “She now has affordable insurance. The beauty of having affordable health insurance in her life has enabled her to get out of her house, and has given her freedom and peace of mind.”

With little more than two weeks to go, Nuñez and Castillo know they have their work cut out for them to ensure more ACA success stories become a reality. If you’re in the Phoenix area and still need to sign up for health coverage, visit CPLC any day of the week. The NCLR Affiliate will also be holding enrollment events on February 7–8 and February 14–15, the last weekend to enroll.

We have also put together a quick list of what you need to know about getting covered if you’re in a mixed-status family. For extensive information on the Affordable Care Act, visit us at: nclr.us/hcr.

The Promise of the Affordable Care Act Must Reach All Communities

By David Castillo, New Media Manager, NCLR

Since the Affordable Care Act (ACA) was signed into law, more than 15 million Americans have received some type of health coverage. This open enrollment period alone has seen almost 7 million new sign-ups. Still, there are many more to reach, especially in the Latino community, where one in four remains uninsured.

The lesbian, gay, bisexual, and transgender (LGBT) Latino population is a community that is especially vulnerable to disparities. They often require special health care needs, and in some instances the ACA now provides important protections and benefits to ensure LGBT people can access that care.

New civil rights provisions in the ACA expressly prohibit discrimination on the basis of race, class, sex, age, disability, and certain other categories. The provision, known as Section 1557, applies nondiscrimination protections to any and all health programs that receive funding from the federal government. The federal Health Insurance Marketplace and the plans sold through it are all covered under this nondiscrimination provision.

For many LGBT people living with HIV, diabetes, cancer, or other chronic conditions, even obtaining health coverage has long been a challenge. Before the ACA, having a preexisting condition meant that someone could be legally barred from getting insurance. Now companies must adhere to strict rules that disallow companies from refusing health care to anyone with any preexisting condition.

Reaching communities that are especially susceptible to our health system’s disparities is paramount if the promise of the ACA is to be fulfilled. We must communicate what the ACA means and connect eligible individuals to information and resources necessary to understanding their options for enrolling in a plan that meets their budget and needs. Let’s work to make sure the promise and benefits of the ACA reaches our entire community!

The deadline to enroll in coverage through the Marketplace is February 15, 2015. To learn more, head to healthcare.gov or call 1-800-318-2596.