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Summers in the levitra buy australia nation’s first and oldest national park are rapidly heating up, new research finds. For the last two decades, Yellowstone National Park has been warming at its most intense rates in at least 1,250 years. 2016 was the warmest the region had seen since 770. The study, published in the journal Geophysical Research Letters, levitra buy australia used data from tree rings to reconstruct more than a millennium of summer temperatures in the Yellowstone region.

Tree rings can provide a variety of information about the climate and weather conditions a tree has experienced over the course of its lifetime. Led by Karen Heeter at the University of Idaho in Moscow, the researchers collected samples from both living and fossilized Engelmann spruce trees in northwest Wyoming, including trees inside Yellowstone National Park and in nearby Shoshone National Forest. Some samples were more than a thousand levitra buy australia years old. The samples helped scientists construct a timeline of the Yellowstone climate, focusing on August temperatures — the hottest time of the year.

They used a special kind of analysis known as “blue intensity,” a relatively new method that measures the amount of blue light reflected from tree rings. This method helps scientists determine the density of the tree rings, a characteristic that’s closely correlated with the summer temperatures the tree experienced while it was alive levitra buy australia. It’s one of the few tree-ring records in North America dating back so far, the scientists say. Most others extend back only a few hundred years.

Yellowstone has had its ups levitra buy australia and downs over the past millennium, they found, including periods of both warming and cooling. But recent human-caused climate change has taken an unprecedented toll. The region’s most intense warming has occurred since 2000. Still, there are lessons levitra buy australia to be learned from the past.

The researchers found that other significant warm periods in Yellowstone’s history have coincided with serious climate-related disasters. 1988, for instance, was the fourth-warmest year in the record. It was also levitra buy australia unusually dry. That year, a series of catastrophic wildfires swept through the park, burning nearly 800,000 acres of land.

The fifth-warmest period in the record, stretching from 1931 to 1940, coincides with the extreme drought of the Dust Bowl era. Scientists have warned that continued climate change in the Yellowstone region, and across the western United States more broadly, could increase the likelihood of severe droughts and the levitra buy australia risk of large wildfires. The current rate of warming raises concerns that the park might already be on track for dramatic changes in the coming decades, the researchers note. €œThe rate of warmth over a relatively short period of time is alarming and has important implications for ecosystem health and function,” said Heeter in a statement.

Reprinted from E&E News levitra buy australia with permission from POLITICO, LLC. Copyright 2021. E&E News provides essential news for energy and environment professionals..

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New York levitra buy australia http://sw.keimfarben.de/cheapest-canadian-pharmacy-for-cialis Gov. Andrew Cuomo expects to declare a State of Emergency in parts of the Hudson Valley as a massive snowstorm makes its way to the region.A storm bringing wind gusts approaching 40 mph and more than a foot of snow to the Hudson Valley has raised red levitra buy australia flags for Cuomo, who expects downstate New York to get hit the hardest by the incoming weather pattern.Cuomo said that a State of Emergency is expected to be declared as of 6 p.m. Wednesday, Dec levitra buy australia. 16 in Dutchess, Orange, Putnam, Sullivan, and Ulster counties, while a winter storm warning has been issued for the entire Hudson Valley.Westchester and Rockland were not listed by Cuomo during his latest erectile dysfunction treatment briefing on Wednesday, Dec. 16 in Albany, though could still be added, depending on the weather.Cuomo also noted that the state has brought in additional personnel to help combat the storm, and has enlisted additional plows, loaders, message signs, emergency vehicles, snowmobile operators, saw crews, utility crews, and more than two million tons of road salt.On Wednesday, Cuomo also singled out Ulster levitra buy australia County and Sullivan County, where forecasters have two specific areas that are the only in the state expected to receive between 18 inches and 24 inches of snow when the storm hits.“Those are two very specific areas, the dark purple areas in Ulster and Sullivan,” Cuomo said while surveying the state’s snowfall forecast.

€œThey are very specific that those areas are going to have high snowfall.“I once said that the weather forecasters were incorrect, and the next day I got levitra buy australia savaged by those forecasters from across the nation for saying it was incorrect,” he continued. €œSo I’m learning a little bit, but that’s a very specific forecast.” Click here to sign up for Daily Voice's free daily emails and news alerts..

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Department of Labor Offers Webinar for Ohio Employers – The Wage and Hour Division and the Occupational Safety and Health Administration presented a webinar for Ohio area employers and human resources professionals on the paid leave requirements of the Families First erectile dysfunction Response Act and safety guidance for returning to work and maintaining a safe and healthy working environment.During the erectile dysfunction levitra, the Department of Labor is focused on protecting the safety and health of American workers, assisting our state partners as they deliver traditional unemployment and expanded unemployment benefits, ensuring Americans levitra vietnam know their rights to new paid sick leave and expanded family and medical leave, providing guidance and assistance to employers, and carrying out the mission of the Department. The mission of the Department of Labor is to foster, promote and develop the welfare of the wage earners, job seekers and retirees of the United States. Improve working conditions levitra vietnam.

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“Last Friday’s jobs report reflected some of the fruits of those efforts, with 1.4 million jobs added to the economy and the unemployment rate dropping to 8.4 percent. The Department of Labor remains focused on helping millions more Americans return to work safely, and to providing continued support to those who remain unemployed.”WASHINGTON, DC – Last week, levitra buy australia the U.S. Department of Labor took a range of actions to aid American workers and employers as our nation combats the erectile dysfunction levitra.

Reopening America’s Economy levitra buy australia. Statement by U.S. Secretary of Labor Scalia on the August Jobs Report levitra buy australia – “Today’s jobs report is encouraging news for American workers heading into Labor Day.

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The Administration remains focused on returning millions more Americans to work, and providing additional support to the unemployed through the Lost Wages Assistance Program authorized by the President when Congress failed to act on enhanced unemployment benefits.” Secretary Scalia also joined Fox News, Fox Business and CNN to discuss the report. Defending Workers’ levitra buy australia Rights to Paid Leave and Wages Earned. U.S.

Department of Labor Offers Webinar for Ohio Employers – The Wage and Hour Division and the Occupational Safety and Health Administration presented a webinar for Ohio area employers and human resources professionals on the paid leave requirements of the Families First erectile dysfunction Response Act and safety guidance for returning levitra buy australia to work and maintaining a safe and healthy working environment.During the erectile dysfunction levitra, the Department of Labor is focused on protecting the safety and health of American workers, assisting our state partners as they deliver traditional unemployment and expanded unemployment benefits, ensuring Americans know their rights to new paid sick leave and expanded family and medical leave, providing guidance and assistance to employers, and carrying out the mission of the Department. The mission of the Department of Labor is to foster, promote and develop the welfare of the wage earners, job seekers and retirees of the United States. Improve working conditions levitra buy australia.

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Although August 15 marked the end buy brand levitra of a one-time erectile dysfunction treatment-related special enrollment period (SEP) for marketplace health insurance in most states, the enhanced subsidies that enticed millions of consumers are still available for many individual-market buyers (as noted below, the SEP is ongoing in some states). The American Rescue Plan’s enhancements to the Affordable Care Act’s health insurance subsidies will continue long after the end of the erectile dysfunction treatment SEP. That means that when you do have an opportunity to buy coverage again – either through open enrollment or due to a personal qualifying life event – you’ll likely find individual health insurance much less expensive than you might have expected. The ARP’s affordability provisions are still helping with premiums buy brand levitra As we’ve noted over the past few months, the American Rescue Plan included numerous provisions that make ACA-compliant plans more affordable than ever.

The additional health insurance subsidy enhancements delivered by the ARP include. Larger subsidies for people who were already subsidy-eligible. The elimination buy brand levitra of the “subsidy cliff,” making more people eligible for subsidies. Free coverage with full cost-sharing reductions for people who have received any unemployment compensation this year.

All of those benefits continue to be available. The additional subsidies based on unemployment compensation continue through the end of 2021, while the other subsidy enhancements will be available through the end buy brand levitra of 2022 (and possibly longer, if Congress extends them). How popular are the ARP’s subsidy enhancements?. HHS reported last week that more than 2.5 million people had already enrolled in coverage during the erectile dysfunction treatment-related special enrollment period, and that another 2.6 million existing marketplace enrollees had activated their ARP subsidies.

Among all of the new enrollees, average after-subsidy premiums were just $85/month, as opposed to $117/month before the ARP’s subsidies buy brand levitra became available. And across all of the new and renewing enrollees, about 35% had obtained coverage with after-subsidy premiums of less than $10/month. That illustrates how substantial premium subsidies have become under the ARP. And again, buy brand levitra nothing has changed about those subsidies.

The special enrollment window has ended in most states, but the subsidies are still available if you’re eligible to enroll for the remainder of 2021 — and again during open enrollment for 2022, which starts November 1. So if you’re in a state where enrollment is still open, or if you’re eligible for an individual special enrollment period in any state, it’s certainly in your best interest to see what plan options are available to you. Enrolling as soon as you’re eligible buy brand levitra will mean that you’re able to start taking advantage of the ARP’s subsidies right away, rather than having to wait for open enrollment and coverage that starts in 2022. States where enrollment continues Although the erectile dysfunction treatment SEP ended on August 15 in the states that use HealthCare.gov – and some of the states that run their own exchanges – enrollment is still actually ongoing in several states.

Vermont. Enrollment continues through October 1 (for buy brand levitra uninsured residents). Connecticut. General enrollment continues through October 31.

DC. General enrollment continues through the end of the levitra emergency period. California. Enrollment continues through December 31 for uninsured residents and those switching from off-exchange to on-exchange coverage.

There is also a temporary wildfire-related SEP in California, for residents in areas where a state of emergency has been declared due to wildfires. In Minnesota, the general erectile dysfunction treatment-related special enrollment period ended in mid-July. But the state’s marketplace is still allowing people to enroll or switch to a $0 premium plan if they have received unemployment compensation in 2021. New Jersey.

General enrollment continues through December 31. New York. General enrollment continues through December 31. Enrollment if you have a qualifying life event Not in one of those states?.

Special enrollment periods are available to individuals who experience a wide range of “life changes.” The most common trigger for a personal SEP is a loss of other coverage — usually job-based coverage. (Note that there’s usually only a 60-day window to enroll in a new plan after losing other coverage. But HealthCare.gov is making an exception for people who lost their coverage as long ago as January 2020, if they missed their enrollment deadline because they were “impacted by the erectile dysfunction treatment emergency.” People who need to utilize this flexibility have to call the marketplace directly to qualify for a special enrollment period on a case-by-case basis.) In addition to a loss of coverage, there are also other situations in which you’ll qualify for a SEP. They include events such as the birth or adoption of a child, marriage (as long as at least one spouse already had minimum essential coverage), or even your grandmothered or grandfathered plan coming up for renewal.

More opportunities to enroll in ACA-compliant coverage In addition to the states with ongoing erectile dysfunction treatment-related enrollment periods and the individual SEPs triggered by qualifying life events, there are other circumstances under which you might still be eligible to enroll in affordable health coverage. If you’re eligible for Medicaid or CHIP in any state, enrollment continues year-round. If you’re eligible for the Basic Health Programs in New York and Minnesota, you can enroll anytime. If you’re eligible for Connecticut’s new Covered Connecticut family program, you have until at least the end of 2021 to sign up for free coverage.

If you’re newly eligible for the ConnectorCare program in Massachusetts (or if this is your first time enrolling in it), you can enroll anytime. Native Americans can enroll in marketplace plans year-round. Mark your calendar for 2022 open enrollment If you don’t have an enrollment period now, be sure to mark your calendar for the start of open enrollment on November 1. That’s when you’ll be able to sign up for health coverage that will take effect in January, with coverage for essential health benefits and pre-existing conditions.

During open enrollment, your medical history won’t matter, and neither will your coverage history. And if you’re already enrolled in an ACA-compliant plan – or soon will be – you’ll still want to pay attention to open enrollment this fall. There are new insurers joining the marketplaces in many areas, which might have an unexpected effect on your premium subsidy. And even if you’re happy with the plan you have now, you might find that a different plan works better for the coming year.

Fortunately, the ARP’s subsidy enhancements will continue to be available for 2022. So if you’re eligible for subsidies – and most people are – your coverage for next year is likely to be quite affordable. Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Recent news about individual-market health insurance has been largely centered around the American Rescue Plan and how it’s made coverage in 2021 much more affordable than it used to be. Now, as we approach ACA’s annual open enrollment period, it’s a good time to look ahead to what we can expect to happen with 2022 coverage. Fortunately, the ARP’s enhanced subsidies will still be in effect in 2022 – and possibly longer, if Congress can agree on an extension. That means subsidies will continue to be larger than they used to be, and more widely available, including to households earning more than 400% of the poverty level.

For 2022 individual/family coverage, we’re seeing some wide variation in proposed and finalized rate changes across the country. Average rates will decrease in some areas and increase in others, with modest single-digit rate changes in most places. (Since the ARP has eliminated the income cap for subsidy eligibility for 2021 and 2022, few enrollees will see these rate changes reflected in their actual premiums, since most enrollees get premium subsidies. But rate changes do affect the size of the subsidy amount, and that can result in changes for after-subsidy premiums, as explained below.) Increased insurer participation in marketplaces continues But we’re also seeing widespread continuation of the increasing insurer participation trend that’s been ongoing since 2019.

In 2017 and 2018, insurers fled the ACA’s exchanges – or even the entire individual/family market. But that started to turn around in 2019, and insurer participation increased again in 2020 and 2021. For 2022, that trend is continuing. Some big-name insurers that previously scaled back their marketplace participation are rejoining various marketplaces, and some smaller regional insurers are joining marketplaces or expanding their existing footprints.

Where are new carriers entering ACA’s marketplace for 2022?. Here’s a summary of some of the major individual/family insurers that are entering new markets for 2022. Aetna CVS Health is joining the marketplace in Arizona, Florida, Georgia, Missouri, Nevada, North Carolina, Virginia, and Texas. Friday Health Plans is joining the marketplace in Oklahoma and Georgia, and possibly North Carolina.

Bright Healthcare is joining the marketplace in California, Texas, and Georgia. UnitedHealthcare is joining the marketplace in Alabama, Texas and Georgia. Oscar Health is joining the marketplace in Arkansas, Illinois, and Nebraska. Cigna is joining the marketplace in Georgia.

Moda is joining the marketplace in Texas. US Health and Life is joining the marketplace in Indiana. Hometown Health Plan is joining the marketplace in Nevada. Innovation Health Plan is joining the marketplace in Virginia.

ConnectiCare Insurance Company is joining the marketplace in Connecticut. More carriers = more plan options … That’s in addition to numerous coverage area expansions by existing marketplace insurers in many states. Based on the rate filings that we’ve analyzed thus far, we anticipate that many – if not most – marketplace enrollees will have more plan options available for 2022 than they had this year. One of the goals of the ACA was to increase competition in the individual health insurance market.

The exchanges are set up to facilitate that, with enrollees able to compare options from all of the participating insurers and select the plan that best fits their needs. From that perspective, increasing insurer participation and competition in the exchange is good. And it does give people more plans from which to choose, which can also be a good thing. But too many choices can overwhelm applicants and result in poor decision making.

€¦ and a new carrier could also affect premium subsidies In addition to delivering more plan options, carriers expanding into an area might also affect premium subsidies in that area. How much effect will depend on how the new plans are priced in comparison with the existing plans – keeping in mind that rates change each year on January 1 regardless of whether any new insurers are entering the market. Premium subsidy amounts are based on the cost of the benchmark plan in each area. But since that just refers to the second-lowest-cost Silver plan, it’s not necessarily the same plan from one year to the next.

If a new insurer enters the market with low-priced plans, the insurer may undercut the current benchmark and take over the second-lowest-cost spot. If the premium is lower than the benchmark plan’s price would otherwise have been, the result is smaller premium subsidies for everyone in that area. For people in that area who prefer to keep their existing plan (as opposed to switching to the new lower-cost options), this can result in an increase in after-subsidy premiums, since the subsidies are smaller than they would otherwise have been. We can see an example of this in the Phoenix area in 2019 and 2020, when new insurers entered the market with lower-priced plans that reduced the size of premium subsidies in the area.

To clarify, anything that reduces the cost of the benchmark premium will result in smaller subsidies. This can be a new lower-cost insurer entering the market, or existing insurers reducing their rates. An example of this can be seen in how after-subsidy premiums increased for many of Colorado’s exchange enrollees in 2020, when the state’s new reinsurance program reduced average pre-subsidy premiums by about 20%. The reduction helped unsubsidized enrollees (mostly those with incomes over the limit for subsidy eligibility, which has been removed at least through 2022) but resulted in higher net premiums for many enrollees who qualified for subsidies.

Although the vast majority of exchange enrollees do qualify for premium subsidies (especially now that the American Rescue Plan has eliminated the “subsidy cliff” for 2021 and 2022) some enrollees do not. For these enrollees, the introduction of a new insurer simply broadens their plan options, and does not affect their premiums unless they choose to switch to the new plan. And of course, if the new insurer has plans that are priced higher than the existing benchmark plan, the carrier’s entry will not affect net premiums paid by subsidized enrollees. Plan to compare your coverage options during open enrollment It will be several weeks before all the details are clear in terms of rate changes and plan availability for 2022 coverage.

But it appears that the trend of increasing competition in the exchanges will continue. And although the American Rescue Plan’s enhanced subsidy structure will still be in place in 2022 – making subsidies larger and more widely available than they would otherwise have been – it’s still possible for a new insurer to disrupt the market and end up adjusting the size of premium subsidies in a given area. Open enrollment for 2022 coverage will begin November 1. Actively comparing your options during open enrollment is always the best approach, and that’s especially true if a new insurer will be offering plans in your area.

Letting your current plan auto-renew without comparison shopping is never in your best interest. If a new insurer is joining the marketplace, you may find that its plans are a perfect fit for your needs. Or you might find that your best option is to switch to a different plan because your after-subsidy premiums are increasing due to the new insurer undercutting the price of the current benchmark plan. Switching plans might be a non-starter due to your provider network or drug formulary needs, but you won’t know for sure until you consider the various options that are available to you.

Ask a professional how a new carrier could impact your coverage We have an overview of factors to keep in mind when you’re choosing a health plan, but it’s also worthwhile to seek out professional advice. Enrollment assistance is available from brokers, enrollment counselors, and Navigators. Brokers are licensed and regulated by state insurance departments, and must also have certification from the exchange in order to help people enroll in health plans offered through the exchange. Training and testing are necessary in order to obtain the license and certification, and brokers must also complete ongoing continuing education in order to maintain their credentials.

Broker training encompasses a wide range of topics, including ethics, fraud prevention, evolving insurance laws and regulations, and health plan details. The training and regulatory oversight make brokers a reliable source of information and assistance with initial plan selections and enrollments as well as future issues that might arise as the health plan is utilized. Navigators should be much more widely available this fall, as the Biden administration has allocated $80 million for this year’s Navigator grants in the states that use HealthCare.gov. (The previous high was $63 million in 2016.

The Trump administration subsequently reduced it to $36 million in 2017 and to $10 million each year from 2018 through 2020.) The Biden administration has also proposed a return to expanded duties for Navigators, which would provide consumers with increased access to post-enrollment assistance with their coverage. In short, enrollment assistance should be widely available this fall, and it’s in your best interest to use it. A recent report from Young Invincibles highlights the myriad ways that enrollment assisters help consumers – it’s more than just picking a plan. Regardless of where you seek assistance, it won’t cost you anything – and a broker, Navigator, or enrollment counselor will be able to help you determine the impact of any new insurers that will be offering plans in your area for 2022, and help you make sense of the options available to you.

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

The American Rescue Plan’s enhancements to levitra buy australia the Can i order cialis online Affordable Care Act’s health insurance subsidies will continue long after the end of the erectile dysfunction treatment SEP. That means that when you do have an opportunity to buy coverage again – either through open enrollment or due to a personal qualifying life event – you’ll likely find individual health insurance much less expensive than you might have expected. The ARP’s affordability provisions are still helping with premiums As we’ve noted over the past few months, the American Rescue Plan included numerous provisions that make ACA-compliant plans more affordable than ever. The additional levitra buy australia health insurance subsidy enhancements delivered by the ARP include. Larger subsidies for people who were already subsidy-eligible.

The elimination of the “subsidy cliff,” making more people eligible for subsidies. Free coverage with full levitra buy australia cost-sharing reductions for people who have received any unemployment compensation this year. All of those benefits continue to be available. The additional subsidies based on unemployment compensation continue through the end of 2021, while the other subsidy enhancements will be available through the end of 2022 (and possibly longer, if Congress extends them). How popular are the levitra buy australia ARP’s subsidy enhancements?.

HHS reported last week that more than 2.5 million people had already enrolled in coverage during the erectile dysfunction treatment-related special enrollment period, and that another 2.6 million existing marketplace enrollees had activated their ARP subsidies. Among all of the new enrollees, average after-subsidy premiums were just $85/month, as opposed to $117/month before the ARP’s subsidies became available. And across all of the new and renewing levitra buy australia enrollees, about 35% had obtained coverage with after-subsidy premiums of less than $10/month. That illustrates how substantial premium subsidies have become under the ARP. And again, nothing has changed about those subsidies.

The special enrollment window has ended in most states, but the subsidies are still available if you’re levitra buy australia eligible to enroll for the remainder of 2021 — and again during open enrollment for 2022, which starts November 1. So if you’re in a state where enrollment is still open, or if you’re eligible for an individual special enrollment period in any state, it’s certainly in your best interest to see what plan options are available to you. Enrolling as soon as you’re eligible will mean that you’re able to start taking advantage of the ARP’s subsidies right away, rather than having to wait for open enrollment and coverage that starts in 2022. States where enrollment continues Although the erectile dysfunction treatment SEP ended on August 15 in levitra buy australia the states that use HealthCare.gov – and some of the states that run their own exchanges – enrollment is still actually ongoing in several states. Vermont.

Enrollment continues through October 1 (for uninsured residents). Connecticut. General enrollment continues through October 31. DC. General enrollment continues through the end of the levitra emergency period.

California. Enrollment continues through December 31 for uninsured residents and those switching from off-exchange to on-exchange coverage. There is also a temporary wildfire-related SEP in California, for residents in areas where a state of emergency has been declared due to wildfires. In Minnesota, the general erectile dysfunction treatment-related special enrollment period ended in mid-July. But the state’s marketplace is still allowing people to enroll or switch to a $0 premium plan if they have received unemployment compensation in 2021.

New Jersey. General enrollment continues through December 31. New York. General enrollment continues through December 31. Enrollment if you have a qualifying life event Not in one of those states?.

Special enrollment periods are available to individuals who experience a wide range of “life changes.” The most common trigger for a personal SEP is a loss of other coverage — usually job-based coverage. (Note that there’s usually only a 60-day window to enroll in a new plan after losing other coverage. But HealthCare.gov is making an exception for people who lost their coverage as long ago as January 2020, if they missed their enrollment deadline because they were “impacted by the erectile dysfunction treatment emergency.” People who need to utilize this flexibility have to call the marketplace directly to qualify for a special enrollment period on a case-by-case basis.) In addition to a loss of coverage, there are also other situations in which you’ll qualify for a SEP. They include events such as the birth or adoption of a child, marriage (as long as at least one spouse already had minimum essential coverage), or even your grandmothered or grandfathered plan coming up for renewal. More opportunities to enroll in ACA-compliant coverage In addition to the states with ongoing erectile dysfunction treatment-related enrollment periods and the individual SEPs triggered by qualifying life events, there are other circumstances under which you might still be eligible to enroll in affordable health coverage.

If you’re eligible for Medicaid or CHIP in any state, enrollment continues year-round. If you’re eligible for the Basic Health Programs in New York and Minnesota, you can enroll anytime. If you’re eligible for Connecticut’s new Covered Connecticut family program, you have until at least the end of 2021 to sign up for free coverage. If you’re newly eligible for the ConnectorCare program in Massachusetts (or if this is your first time enrolling in it), you can enroll anytime. Native Americans can enroll in marketplace plans year-round.

Mark your calendar for 2022 open enrollment If you don’t have an enrollment period now, be sure to mark your calendar for the start of open enrollment on November 1. That’s when you’ll be able to sign up for health coverage that will take effect in January, with coverage for essential health benefits and pre-existing conditions. During open enrollment, your medical history won’t matter, and neither will your coverage history. And if you’re already enrolled in an ACA-compliant plan – or soon will be – you’ll still want to pay attention to open enrollment this fall. There are new insurers joining the marketplaces in many areas, which might have an unexpected effect on your premium subsidy.

And even if you’re happy with the plan you have now, you might find that a different plan works better for the coming year. Fortunately, the ARP’s subsidy enhancements will continue to be available for 2022. So if you’re eligible for subsidies – and most people are – your coverage for next year is likely to be quite affordable. Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.Recent news about individual-market health insurance has been largely centered around the American Rescue Plan and how it’s made coverage in 2021 much more affordable than it used to be. Now, as we approach ACA’s annual open enrollment period, it’s a good time to look ahead to what we can expect to happen with 2022 coverage. Fortunately, the ARP’s enhanced subsidies will still be in effect in 2022 – and possibly longer, if Congress can agree on an extension. That means subsidies will continue to be larger than they used to be, and more widely available, including to households earning more than 400% of the poverty level. For 2022 individual/family coverage, we’re seeing some wide variation in proposed and finalized rate changes across the country.

Average rates will decrease in some areas and increase in others, with modest single-digit rate changes in most places. (Since the ARP has eliminated the income cap for subsidy eligibility for 2021 and 2022, few enrollees will see these rate changes reflected in their actual premiums, since most enrollees get premium subsidies. But rate changes do affect the size of the subsidy amount, and that can result in changes for after-subsidy premiums, as explained below.) Increased insurer participation in marketplaces continues But we’re also seeing widespread continuation of the increasing insurer participation trend that’s been ongoing since 2019. In 2017 and 2018, insurers fled the ACA’s exchanges – or even the entire individual/family market. But that started to turn around in 2019, and insurer participation increased again in 2020 and 2021.

For 2022, that trend is continuing. Some big-name insurers that previously scaled back their marketplace participation are rejoining various marketplaces, and some smaller regional insurers are joining marketplaces or expanding their existing footprints. Where are new carriers entering ACA’s marketplace for 2022?. Here’s a summary of some of the major individual/family insurers that are entering new markets for 2022. Aetna CVS Health is joining the marketplace in Arizona, Florida, Georgia, Missouri, Nevada, North Carolina, Virginia, and Texas.

Friday Health Plans is joining the marketplace in Oklahoma and Georgia, and possibly North Carolina. Bright Healthcare is joining the marketplace in California, Texas, and Georgia. UnitedHealthcare is joining the marketplace in Alabama, Texas and Georgia. Oscar Health is joining the marketplace in Arkansas, Illinois, and Nebraska. Cigna is joining the marketplace in Georgia.

Moda is joining the marketplace in Texas. US Health and Life is joining the marketplace in Indiana. Hometown Health Plan is joining the marketplace in Nevada. Innovation Health Plan is joining the marketplace in Virginia. ConnectiCare Insurance Company is joining the marketplace in Connecticut.

More carriers = more plan options … That’s in addition to numerous coverage area expansions by existing marketplace insurers in many states. Based on the rate filings that we’ve analyzed thus far, we anticipate that many – if not most – marketplace enrollees will have more plan options available for 2022 than they had this year. One of the goals of the ACA was to increase competition in the individual health insurance market. The exchanges are set up to facilitate that, with enrollees able to compare options from all of the participating insurers and select the plan that best fits their needs. From that perspective, increasing insurer participation and competition in the exchange is good.

And it does give people more plans from which to choose, which can also be a good thing. But too many choices can overwhelm applicants and result in poor decision making. €¦ and a new carrier could also affect premium subsidies In addition to delivering more plan options, carriers expanding into an area might also affect premium subsidies in that area. How much effect will depend on how the new plans are priced in comparison with the existing plans – keeping in mind that rates change each year on January 1 regardless of whether any new insurers are entering the market. Premium subsidy amounts are based on the cost of the benchmark plan in each area.

But since that just refers to the second-lowest-cost Silver plan, it’s not necessarily the same plan from one year to the next. If a new insurer enters the market with low-priced plans, the insurer may undercut the current benchmark and take over the second-lowest-cost spot. If the premium is lower than the benchmark plan’s price would otherwise have been, the result is smaller premium subsidies for everyone in that area. For people in that area who prefer to keep their existing plan (as opposed to switching to the new lower-cost options), this can result in an increase in after-subsidy premiums, since the subsidies are smaller than they would otherwise have been. We can see an example of this in the Phoenix area in 2019 and 2020, when new insurers entered the market with lower-priced plans that reduced the size of premium subsidies in the area.

To clarify, anything that reduces the cost of the benchmark premium will result in smaller subsidies. This can be a new lower-cost insurer entering the market, or existing insurers reducing their rates. An example of this can be seen in how after-subsidy premiums increased for many of Colorado’s exchange enrollees in 2020, when the state’s new reinsurance program reduced average pre-subsidy premiums by about 20%. The reduction helped unsubsidized enrollees (mostly those with incomes over the limit for subsidy eligibility, which has been removed at least through 2022) but resulted in higher net premiums for many enrollees who qualified for subsidies. Although the vast majority of exchange enrollees do qualify for premium subsidies (especially now that the American Rescue Plan has eliminated the “subsidy cliff” for 2021 and 2022) some enrollees do not.

For these enrollees, the introduction of a new insurer simply broadens their plan options, and does not affect their premiums unless they choose to switch to the new plan. And of course, if the new insurer has plans that are priced higher than the existing benchmark plan, the carrier’s entry will not affect net premiums paid by subsidized enrollees. Plan to compare your coverage options during open enrollment It will be several weeks before all the details are clear in terms of rate changes and plan availability for 2022 coverage. But it appears that the trend of increasing competition in the exchanges will continue. And although the American Rescue Plan’s enhanced subsidy structure will still be in place in 2022 – making subsidies larger and more widely available than they would otherwise have been – it’s still possible for a new insurer to disrupt the market and end up adjusting the size of premium subsidies in a given area.

Open enrollment for 2022 coverage will begin November 1. Actively comparing your options during open enrollment is always the best approach, and that’s especially true if a new insurer will be offering plans in your area. Letting your current plan auto-renew without comparison shopping is never in your best interest. If a new insurer is joining the marketplace, you may find that its plans are a perfect fit for your needs. Or you might find that your best option is to switch to a different plan because your after-subsidy premiums are increasing due to the new insurer undercutting the price of the current benchmark plan.

Switching plans might be a non-starter due to your provider network or drug formulary needs, but you won’t know for sure until you consider the various options that are available to you. Ask a professional how a new carrier could impact your coverage We have an overview of factors to keep in mind when you’re choosing a health plan, but it’s also worthwhile to seek out professional advice. Enrollment assistance is available from brokers, enrollment counselors, and Navigators. Brokers are licensed and regulated by state insurance departments, and must also have certification from the exchange in order to help people enroll in health plans offered through the exchange. Training and testing are necessary in order to obtain the license and certification, and brokers must also complete ongoing continuing education in order to maintain their credentials.

Broker training encompasses a wide range of topics, including ethics, fraud prevention, evolving insurance laws and regulations, and health plan details. The training and regulatory oversight make brokers a reliable source of information and assistance with initial plan selections and enrollments as well as future issues that might arise as the health plan is utilized. Navigators should be much more widely available this fall, as the Biden administration has allocated $80 million for this year’s Navigator grants in the states that use HealthCare.gov. (The previous high was $63 million in 2016. The Trump administration subsequently reduced it to $36 million in 2017 and to $10 million each year from 2018 through 2020.) The Biden administration has also proposed a return to expanded duties for Navigators, which would provide consumers with increased access to post-enrollment assistance with their coverage.

In short, enrollment assistance should be widely available this fall, and it’s in your best interest to use it. A recent report from Young Invincibles highlights the myriad ways that enrollment assisters help consumers – it’s more than just picking a plan. Regardless of where you seek assistance, it won’t cost you anything – and a broker, Navigator, or enrollment counselor will be able to help you determine the impact of any new insurers that will be offering plans in your area for 2022, and help you make sense of the options available to you. Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts..

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