Ready for Health Insurance Enrollment Super Saturday on January 31?

With just 18 days to go before the Affordable Care Act’s Health Insurance Marketplace open enrollment period closes on February 15, community organizations, enrollment assisters, and insurance agents are planning nearly two dozen insurance enrollment events around Wisconsin on Saturday, January 31.

Consumers can drop in at any of these events to ask questions about eligibility for Marketplace or BadgerCare Plus insurance, learn about insurance or enroll.

With a few exceptions, US and legally documented immigrants must now have health insurance or may have to pay a tax fine that goes up every year. On the Marketplace, plans range in costs and services to help fit into your budget and meet your actual health care needs. And, 90% of people in Wisconsin have been able to take advantage of tax credits to reduce the cost of premiums, and some financially eligible households have been able to reduce their out-of-pocket costs to just few dollars per doctor visit. Health insurance is a big decision and it can be complicated. That is why CKF is here to help, on Super Saturday and throughout the year.

The Southern Wisconsin Navigator Collaborative (Covering Kids & Families, Gerald Ignace Tribal Health Center, Southwest Community Action Program and Racine Kenosha Community Action Agency) has 7 events planned on Super Saturday.

Center Street Library
2727 W. Fond du Lac Ave
10 am to 2 pm

Journey House
2110 W. Scott St.
10 am to 1 pm

La Murguia Head Start building
1645 S. 36th St.
Noon to 3 pm

CVS Pharmacy (Molina)
2607 N. Downer Ave.
2 pm to 6 pm
Dial 2-1-1 or 414-270-4677 for details.

Madison (Press Release)
United Way of Dane County
2059 Atwood Ave.
9 am to 6 pm
Dial 2-1-1 or 608-261-1455 for details or to set up an appointment.

Racine County Human Services/Workforce Development Center
1717 Taylor Ave.
Noon to 3 pm
Contact: Jessica Retzlaff

Southwest Technical College Outreach Center Computer Lab (Piggly Wiggly Mall)
316 W. Spring St.
9 am to 1 pm

If your clients, friends and family who need insurance aren’t near these events, learn about a dozen more in the state at the EnrollWI Website

The Affordable Care Act may affect your taxes this year! Be ready to file in ’14 and fix it for ’15.

With the New Year begun and tax season underway, Wisconsinites may be surprised to find a new line on their tax forms asking about their health coverage. As of January 1st, 2014, those who do not have health coverage may have to pay a penalty at tax time. The IRS will assess the first year’s penalties on consumers’ tax returns this spring.

Consumers who have health insurance (like through an employer or a relative) will simply check a box on their taxes this year indicating that they were insured for 2014.

The changes will be more involved for consumers who bought 2014 coverage through the Health Insurance Marketplace and received the Advanced Premium Tax Credit (APTC), and for those who were uninsured last year.

Consumers with Marketplace coverage will need to complete new forms to reconcile the tax credits they received. The tax credits were based on estimated 2014 income, and now they must be corrected to reflect what consumers actually ended up making. These consumers should be on the lookout for Form 1095-A in the mail, a statement of the insurance subsidies they received last year.

Others who remained uninsured last year may have to pay a tax penalty. This year, that penalty is $95 per person ($47.50 for each child) or 1% of household income, whichever is greater. The most a family will pay this first year is $285. Fines will go up next year. Some consumers may be able to avoid the fine by applying for an exemption.

An unfortunate pitfall may await those who remain uninsured and put off filing their taxes this year. The deadline to enroll in 2015 health coverage through the Health Insurance Marketplace is February 15th, two months before the April 15th tax filing deadline. Uninsured individuals who wait until after February 15th to file will have to pay this year’s penalty and will have missed the deadline to apply for 2015 coverage and tax credits. This may lead to a higher penalty on next year’s taxes.

Help people avoid the penalty for 2015
Encourage consumers to review their 2015 coverage options to get insurance!

Enrollment Answers and Help
Covering Kids & Families, leading the Southern Wisconsin Navigator Collaborative, has licensed Navigators available to help people in southern Wisconsin enroll. Contact any office to get answers to questions or learn about in-person enrollment help.

Madison: Covering Kids & Families – 608-261-1455
Milwaukee: Covering Kids & Families – 414-270-4677 and Gerald Ignace Tribal Health Center (Milwaukee) – 414-383-9526
Platteville: Southwest Community Action Program – 608-348-9766
Racine & Kenosha: Racine Kenosha Community Action Agency – 262-637-8377
Janesville: First Choice Women’s Health Center – 262-902-8572
Dial 2-1-1 anywhere in Wisconsin to find in-person enrollment help in your area.

Tax Help
For more information on taxes and health insurance, check out H&R Block’s ACA Tax Impact page. Individuals with low incomes can get free tax filing assistance at Volunteer Income Tax Assistance (VITA) sites, and people over age 60 with low-incomes can get free assistance at AARP TCE Tax-Aide sites. Check if you are eligible for assistance, then find a free tax assistance site near you.

VITA sites: Call 1-800-906-9887 or visit the IRS Website
AARP TCE sites: Visit AARP’s site finder Website
Dial 2-1-1 for information on all sites in your area.

Open Enrollment for Health Insurance November 15, 2014 – February 15, 2015!

Now is the time for consumers to update information, change plans, renew coverage or enroll for the first time! Visit the Health Insurance Marketplace at, contact the call center 24/7 at 1-800-318-2596 or find a local enrollment assistance counselor to apply. Remember, consumers have until December 15, 2014 to enroll or make changes which would take effect January 1, 2015.

Covering Kids & Families (CKF), in partnership with the Racine Kenosha Community Action Agency (RKCAA), the Southwest Community Action Program (SWCAP) and Gerald L. Ignace Indian Health Center (GLIIHC) are local Navigators who can provide assistance as well.  Our contact information:

CKF Madison: 608-261-1455
CKF Milwaukee: 414-270-4677
RKCAA: 262-637-8377
SWCAP: 608-348-9766
GLIIHC: 414-383-9526

Also, consumers can dial 2-1-1, reference the Wisconsin Enrollment Directory (, or contact other Navigators throughout the state (below) to find local help.


Special Enrollment Period for BadgerCare+ Transitioners Ends November 2

In September, the Centers for Medicare and Medicaid Services (CMS) announced a Special Enrollment Period for people who lost their BadgerCare+ coverage in April due to the eligibility changes made by the Wisconsin Department of Health Services (DHS). That Special Enrollment Period closes November 2nd.

An estimated 62,000 people throughout the state lost BadgerCare+ coverage in April, and approximately 60% of them did not re-enroll into Marketplace coverage, likely remaining uninsured and without access to compensated care.

These individuals will have until November 2nd to sign up for a Marketplace plan this year; otherwise, they must wait until November 15th to sign up for health coverage beginning on January 1st. They may also be subject to a tax penalty for not having health insurance during 2014.

A person who may be eligible for a Special Enrollment Period can start the process of buying insurance by calling the Health Insurance Marketplace at 1-800-318-2596. Please encourage them to do so as soon as possible!

2015 Marketplace Renewals and Re-enrollments

The second Open Enrollment period is coming up quickly! From November 15th, 2014 through February 15th, 2015, the Health Insurance Marketplace will be open for 2015 enrollment.  Those who remain uninsured, as well as anyone interested in learning about the new options, can apply during this time.

Consumers who enrolled last year may be wondering how to re-enroll or change plans for 2015. CMS released final rules on this process several weeks ago. Anyone enrolled in a 2014 Marketplace plan will receive letters from CMS and their insurer containing important information about this process.

The QHP’s letter will provide consumers with the 2015 premium for their current plan and remind them of their 2014 tax credit, which they will continue to receive (in most cases) if they take no action during open enrollment.

Going into open enrollment, it is important to recognize that tax credits will be recalculated.

Because of the new 2015 federal poverty level (FPL), and a likely change in the cost of the benchmark plan used to calculate tax credits, the tax credit amount for those with household income at a given percent of FPL will change for 2015. To receive the new 2015 tax credits, consumers must resubmit their application and enroll in a plan, even if they want to re-enroll in the same plan.

Below find answers to some common questions consumers may have about the re-enrollment process:

What are my options going into Open Enrollment?

During the enrollment period, there are several possible courses of action. You could renew your plan; update, switch, or cancel your plan; or take no action. Here’s what happens in each case:

  1. If you choose to simply renew your plan, and you attest that there has been no change in your income or household size, you will be re-enrolled for 2015 with your same 2014 tax credits.
  2. If you have household updates to report, want 2015 tax credits or want to look at the new options, you should update and resubmit last year’s application in order to see your new tax credits and plan options. (Please note that if, on the 2014 application, you claimed that your anticipated income was the same as reported on your 2012 tax return, the specific amount will not be listed on this year’s application either and you will need to refer to you 2012 tax return to determine if that amount is still correct).
  3. If you are currently enrolled in a marketplace plan and take no action during the 2015 enrollment period, you will be re-enrolled and receive your 2014 tax credits unless:
    • Your 2013 tax return indicates your income is over 500% FPL OR
    • You did not give the marketplace access to future tax returns at the end of last year’s application
    • In either of these cases, you will still be re-enrolled, but will not receive any financial assistance (Advance Premium Tax Credits or Cost Sharing Reductions).

If I take no action, in which plan will I be re-enrolled?

  1. If possible, the same QHP as last year.
  2. If your specific QHP is not available, you will be enrolled in a different version of the same product from the same insurer.
    • A plan in the same metal tier if possible
    • Otherwise, a plan that is one metal tier up or down from the old plan.
  3. If no version of last year’s product is available, you will be auto-enrolled in the most similar product available through the same insurer. The same metal tier policy applies as above:
    • A plan in the same metal tier if possible
    • Otherwise, a plan that is one metal tier up or down from the old plan.
  4. If neither of the above options is available, you would be auto-enrolled in the most similar product available through a different insurer.
    • Since none of last year’s marketplace insurers are going off the exchange, we should not have to worry about this case in Wisconsin.

If my household situation or income has changed, how do I report those changes?

Through the website or by phone.

Due to the challenges of following up on incomplete information received by mail, the final rule gives the Federally Facilitated Marketplace the option to reject changes submitted by mail.

After the Open Enrollment period begins, consumers will be able to preview the new options and monthly premium estimates here.

Wisconsin Faces Cuts in FoodShare Funding

Wisconsin is one of only four states nationwide that is enacting cuts to the food stamp (FoodShare) program. The food stamp cuts were passed as part of the massive Federal Farm Bill in February. The intent of the legislation was to save money by clamping down on states that were using certain provisions of a federal heating assistance program to increase food stamp benefits.

The Associated Press found that governors of 12 states have taken steps to avoid the cuts. In some cases, states are using their own money, saying they’re preserving benefits for their most vulnerable residents. The AP review said Wisconsin, Michigan, New Jersey, and New Hampshire are the only ones that did not try to work around the federal cuts.

But how does this affect our work at CKF? FoodShare eligibility is one of the federal benefits that qualifies school-age children for Free and Reduced Lunch as part of the National School Lunch Program. CKF has been working with Wisconsin’s Department of Public Instruction to connect children to free lunch via direct certification since 2011. Cuts to FoodShare mean fewer students are eligible for the healthy, nutritious meals they need to remain productive at school.

The good news is that students that were eligible for FoodShare at the start of this school year will remain eligible for free lunch for the rest of this academic year and the first month of school in 2015, regardless of whether or not they lose their FoodShare eligibility. The bad news is that unless Wisconsin leaders step in to avoid these cuts, untold numbers of kids will not be eligible for FoodShare and free lunch for next year.

For some kids, school is the only place they can get a fulfilling and nutritionally balanced hot meal.

Learn more about CKF’s Direct Certification Project at the webpage Questions about Direct Certification or how FoodShare relates to free lunch? CKF’s Direct Certification Specialists, Nikki and Helena, are happy to answer your questions. Please contact them at

New Special Enrollment Period for Former BadgerCare+ Members

Today, the Centers for Medicare and Medicaid Services announced a Special Enrollment Period for consumers who lost their BadgerCare+ coverage in April due to the Department of Health Services eligibility changes. This means those consumers have an opportunity to enroll in Marketplace coverage now, and do not have to wait until the next Open Enrollment period.  The Special Enrollment Period for those who lost their BadgerCare+ is available today, September 4th through November 2nd.

For applications made before the 15th of the month, coverage will begin on the first day of the month immediately following. For applications made after the 15th of the month, coverage will begin the next month. The next Open Enrollment period begins November 15th, 2014 with coverage starting no sooner than January 1, 2015.

An estimated 62,000 people throughout the state lost BadgerCare+ coverage in April, and approximately 60% of them did not re-enroll into Marketplace coverage, likely remaining uninsured and without access to compensated care.

If you know uninsured consumers and clients who lost their BadgerCare+, please spread the word and encourage them to apply for coverage in the Marketplace. These consumers are likely eligible for financial assistance to help pay the cost of premiums, co-payments and deductibles. Remind them there are many plans available in the Marketplace to choose from, and all plans cover essential health benefits like prescription drugs, preventive care, hospital stays and more.

Consumers should apply for this Special Enrollment period by calling 1-800-318-2596. Consumers looking for in-person enrollment assistance can dial 211 to find local help.

It can still be special! (Enrollment, that is.)

Even though the first open enrollment period is closed and the second is just about 3 months away, there are many situations that still allow someone to enroll in coverage for the first time or change coverage for very specific reasons.

Known as Special Enrollment Periods or SEPs, CKF has developed a handy Special Enrollment Summary chart that guides assisters through the essentials of determining if someone might be eligible for a SEP, and how to undertake gaining coverage.

And, here’s a handy flyer to remind people that they may still be special. Special enough for a SEP.

Courts Weigh In on ACA and Premium Subsidies – But Nothing Changes (Yet)

Earlier this morning, the DC Circuit Court of Appeals released a decision saying that the Affordable Care Act (ACA) only authorized health insurance subsidies for state-based Marketplaces, essentially rendering subsidies invalid in the 36 states with federally-facilitated and state-partnership Marketplaces. Just a few hours later, the Virginia Circuit Court of Appeals upheld the subsidies in federally-facilitated and partnership Marketplaces.

So, what does this mean for subsidies in Wisconsin, a federally-facilitated Marketplace?
Nothing, for now.

More on the cases:

Halbig v. Burwell (Decision here): Three-judge panel of the DC Circuit Court of Appeals: This panel voted 2-1 against the subsidies, agreeing with the plaintiffs that the text of the ACA does not permit federal subsidies outside of state-based Marketplaces. The federal government has stated that it will request an “en banc” review of the decision – meaning all eleven DC Circuit Court judges would review the decision, potentially reversing the decision of the three-judge panel.

King v. Burwell (Decision here): Three-judge panel of the Virginia Fourth Circuit Court of Appeals: This panel voted 3-0 to uphold the subsidies, agreeing with the Obama Administration that the law does not limit the subsidies to state-based Marketplaces. The plaintiffs could request an “en banc” review of this decision as well, to have all judges in the Circuit Court review and rule.

These cases are, indeed, contradictory.

And there are more cases on the legality of subsidies still pending: Pruitt v. Burwell (US District Court Eastern District of Oklahoma) and Indiana v. IRS (US District Court Southern District of Indiana).

Next Steps:

These cases will likely both be heard and decided by all eleven judges in each jurisdiction, and could result in reversal or upholding of the three-judge panel decisions. Cases that have differing and contradictory rulings at the District Court of Appeals levels are more likely to be reviewed by the Supreme Court – however, the Supreme Court could decide to hear the case regardless of Court of Appeals’ opinions. Whether or not the Supremes hear this issue is unclear.

Why this Matters:

In our Federally-Facilitated Marketplace in Wisconsin, subsidies make a difference in people choosing to purchase health insurance through the Marketplace. According to the Summary Enrollment Report Addendum, 91 percent of Wisconsinites who selected a Marketplace plan had financial assistance through the subsidies. Avalere Health estimates Wisconsin consumers would see a 70-74 percent increase in premiums if the subsidies were deemed invalid outside of state-based Marketplaces. These cases could potentially have big consequences on the ACA – but not yet.

Want to read more? is providing great news coverage and analysis of the decisions, as well as the National Health Law Program., and the Kaiser Foundation offers this Q&A.

Coverage to Care- New Resources!

Thousands of Wisconsinites signed up for health insurance coverage during the first Open Enrollment period and more are continuing to enroll in BadgerCare+ or in the Health Insurance Marketplace through a special enrollment period. Many of these consumers are accessing insurance coverage for the first time. A recent study by the Kaiser Family Foundation reported that nearly 60% of new enrollees were previously uninsured. With an influx of newly insured individuals into the health care market, many are confused about using their coverage.

How do I find a provider? How much does my insurance cover for my doctor’s visits? What is a deductible? Are my prescriptions covered? When should I use the Emergency Room?

Oftentimes consumers will seek out assistance from advocates, providers or enrollment assisters they have trusted in the past, meaning they will be coming back to you with their questions. Before they do, make sure you are prepared by exploring new resources from the Centers for Medicare and Medicaid Services, Coverage to Care (C2C).

C2C is a new initiative launched to answer questions consumers have about using their new health insurance. Check out their Roadmap to Better Care and a Healthier You, a comprehensive 8 page brochures which shares consumer friendly information on understanding an insurance plan, finding a provider, scheduling an appointment, and other resources to make health insurance more understandable. Additional publications and videos can be accessed here. And, if you want to order material, free of charge, do so here.

For more information and materials about health insurance access and additional outreach materials, visit