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Kevin Kingma says the insurer rolled him into a new plan and deducted money from his bank account without his approval, a problem hundreds of consumers say they're having. (David McNew/Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The Anthem Blue Cross headquarters in Woodland Hills. Kevin Kingma says the insurer rolled him into a new plan and deducted money from his bank account without his approval, a problem hundreds of consumers say they're having. (David McNew/Getty Images) \u003ccite>(David McNew/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Charlie Ornstein\u003c/strong>, \u003ca href=\"http://www.propublica.org/article/consumers-with-canceled-insurance-plans-shifted-to-new-ones-without-their-p\" target=\"_blank\">ProPublica\u003c/a>\u003c/p>\n\u003cp>When Kevin Kingma received a letter last fall notifying him that his high-deductible health plan was being canceled because of the Affordable Care Act, he visited Covered California, the state's health insurance marketplace and chose another plan beginning Jan. 1.\u003c/p>\n\u003cp>Thanks to a subsidy, Kingma’s monthly premium went down, from about $300 to $175, and his benefits improved.\u003c/p>\n\u003c/div>\n\u003cdiv>\n\u003cp>But this month, Kingma, of the Bay Area city of El Cerrito, logged into his bank’s website and saw that his old insurer, Anthem Blue Cross, had deducted $587.40 from his account and had enrolled him in another of its insurance products for this year -- he says without permission.\u003c/p>\n\u003cp>Hundreds of other consumers are caught in the same predicament, insurers acknowledge. And the California Department of Insurance said it is exploring whether any laws were broken when insurance companies withdrew money from consumers’ accounts for plans they didn’t select.\u003c!--more-->\u003c/p>\n\u003cp>Here’s what happened to Kingma and others: When they received letters last fall, they were informed that their plans had been canceled. But within the letter, it also said that if they did nothing, they would be switched over to a different plan and if they had set up their payment to autodraft from their account, it would continue to do so.\u003c/p>\n\u003cp>Kingma said he didn’t read the whole letter, just enough of it to know his old plan was being canceled.\u003c/p>\n\u003cp>Once he noticed the withdrawals from his account this month, Kingma said he tried calling Anthem’s customer service hotline but couldn’t reach anyone because of “high call volume.” Dozens of consumers have reported long phone waits trying to reach Anthem.\u003c/p>\n\u003cp>Kingma then repeatedly faxed and contacted the insurer through its website. An Anthem representative first told him that he may only receive reimbursement for about half of January, until the date he actually canceled the new policy. Since then, it appears the insurer canceled his policy at the end of 2013. But as of Friday afternoon, it hadn’t refunded Kingma’s money, he said.\u003c/p>\n\u003cp>“I and a number of other former Anthem policy holders are stuck in Anthem's Kafkaesque nightmare as part of healthcare reform,” Kingma, 57, wrote to me in an email.\u003c/p>\n\u003cp>Darrel Ng, a spokesman for Anthem Blue Cross, said in an email that insurers across California had moved members from canceled plans to new ones that comply with the law “and that transition retained their payment preference.\u003c/p>\n\u003cp>“In cases where members neglected to inform insurers that they had selected a new plan or informed insurers too late that they had selected a new plan, members are receiving a full refund for any amount paid.”\u003c/p>\n\u003cp>Kaiser Permanente spokesman Chris Stenrud confirmed that his insurer has also found cases similar to Kingma’s.\u003c/p>\n\u003cp>“Unfortunately, about 500 of our existing members in California who had automatic payment set up for their current plans were inadvertently charged before our systems recognized their enrollment in new plans through Covered California,” he wrote in an email. “We have identified the affected members and are in the process of contacting them to make them aware of the mistake, and of course, our commitment to refund the extra charge.\u003c/p>\n\u003cp>“We take this seriously, and want to assure our members that we will make them whole,” he wrote.\u003c/p>\n\u003cp>These actions may not fully satisfy the California Department of Insurance. Janice Rocco, deputy commissioner for health policy and reform, wrote in an email that insurers have cooperated with her agency and refunded premiums when questions arose, so “we hadn’t been focused on what the potential legal violations might be.”\u003c/p>\n\u003cp>She said insurers may have violated the law in two ways by deducting funds from customers’ bank accounts electronically. “Moving a policyholder from one product to another would be considered a ‘material change’ that would trigger a requirement in law to provide information about how to cancel the electronic funds transfer agreement. We did not see any notice of how to cancel an electronic transfer of funds in the policy cancellation notices, so there may be some violations of law in this regard.”\u003c/p>\n\u003cp>Beyond that, Rocco said, some of the new products used by two health insurers were technically “sold by one of the insurer’s affiliated companies with which that policyholder had no prior electronic funds transfer agreement, so that might be another area of potential legal violations,” she wrote.\u003c/p>\n\u003cp>It isn’t known whether similar complaints have been lodged outside of California. But insurers in a number of states sent consumers letters saying they would be moved to new plans unless they said otherwise. (\u003ca href=\"https://www.documentcloud.org/documents/809774-florida-blue-letter.html\">This letter\u003c/a> was posted online by Politifact.) The \u003ca href=\"http://news.yahoo.com/policy-notifications-current-status-state-204701399.html\">Associated Press reported\u003c/a> last month that at least 4.7 million people were told their old health plans were going away because they didn’t meet the coverage standards of the Affordable Care Act.\u003c/p>\n\u003cp>Kingma said the whole situation has left him frustrated.\u003c/p>\n\u003cp>“No business conducts fair business that way,” he said. “In December, they should be telling customers, this is the plan you will be converted into, this is the cost.”\u003c/p>\n\u003c/div>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":"But this month, Kingma logged into his bank’s website and saw that his old insurer, Anthem Blue Cross, had deducted $587.40 from his account and had enrolled him in another of its insurance products for this year -- he says without permission.\r\n\r\nHundreds of other consumers are caught in the same predicament, insurers acknowledge. And the California Department of Insurance said it is exploring whether any laws were broken when insurance companies withdrew money from consumers’ accounts for plans they didn’t select.","status":"publish","parent":0,"modified":1390952269,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":23,"wordCount":946},"headData":{"title":"People With Canceled Health Insurance Policies Shifted to New Ones Without Permission | KQED","description":"But this month, Kingma logged into his bank’s website and saw that his old insurer, Anthem Blue Cross, had deducted $587.40 from his account and had enrolled him in another of its insurance products for this year -- he says without permission.\r\n\r\nHundreds of other consumers are caught in the same predicament, insurers acknowledge. And the California Department of Insurance said it is exploring whether any laws were broken when insurance companies withdrew money from consumers’ accounts for plans they didn’t select.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"People With Canceled Health Insurance Policies Shifted to New Ones Without Permission","datePublished":"2014-01-27T18:15:50.000Z","dateModified":"2014-01-28T23:37:49.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"17339 http://blogs.kqed.org/stateofhealth/?p=17339","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/01/27/people-with-canceled-health-insurance-policies-shifted-to-new-ones-without-permission/","disqusTitle":"People With Canceled Health Insurance Policies Shifted to New Ones Without Permission","path":"/stateofhealth/17339/people-with-canceled-health-insurance-policies-shifted-to-new-ones-without-permission","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cdiv>\n\u003cfigure id=\"attachment_17341\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/96525183-e1390846077644.jpg\">\u003cimg class=\"size-large wp-image-17341\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/01/96525183-640x426.jpg\" alt=\"The Anthem Blue Cross headquarters in Woodland Hills. Kevin Kingma says the insurer rolled him into a new plan and deducted money from his bank account without his approval, a problem hundreds of consumers say they're having. (David McNew/Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The Anthem Blue Cross headquarters in Woodland Hills. Kevin Kingma says the insurer rolled him into a new plan and deducted money from his bank account without his approval, a problem hundreds of consumers say they're having. (David McNew/Getty Images) \u003ccite>(David McNew/Getty Images)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Charlie Ornstein\u003c/strong>, \u003ca href=\"http://www.propublica.org/article/consumers-with-canceled-insurance-plans-shifted-to-new-ones-without-their-p\" target=\"_blank\">ProPublica\u003c/a>\u003c/p>\n\u003cp>When Kevin Kingma received a letter last fall notifying him that his high-deductible health plan was being canceled because of the Affordable Care Act, he visited Covered California, the state's health insurance marketplace and chose another plan beginning Jan. 1.\u003c/p>\n\u003cp>Thanks to a subsidy, Kingma’s monthly premium went down, from about $300 to $175, and his benefits improved.\u003c/p>\n\u003c/div>\n\u003cdiv>\n\u003cp>But this month, Kingma, of the Bay Area city of El Cerrito, logged into his bank’s website and saw that his old insurer, Anthem Blue Cross, had deducted $587.40 from his account and had enrolled him in another of its insurance products for this year -- he says without permission.\u003c/p>\n\u003cp>Hundreds of other consumers are caught in the same predicament, insurers acknowledge. And the California Department of Insurance said it is exploring whether any laws were broken when insurance companies withdrew money from consumers’ accounts for plans they didn’t select.\u003c!--more-->\u003c/p>\n\u003cp>Here’s what happened to Kingma and others: When they received letters last fall, they were informed that their plans had been canceled. But within the letter, it also said that if they did nothing, they would be switched over to a different plan and if they had set up their payment to autodraft from their account, it would continue to do so.\u003c/p>\n\u003cp>Kingma said he didn’t read the whole letter, just enough of it to know his old plan was being canceled.\u003c/p>\n\u003cp>Once he noticed the withdrawals from his account this month, Kingma said he tried calling Anthem’s customer service hotline but couldn’t reach anyone because of “high call volume.” Dozens of consumers have reported long phone waits trying to reach Anthem.\u003c/p>\n\u003cp>Kingma then repeatedly faxed and contacted the insurer through its website. An Anthem representative first told him that he may only receive reimbursement for about half of January, until the date he actually canceled the new policy. Since then, it appears the insurer canceled his policy at the end of 2013. But as of Friday afternoon, it hadn’t refunded Kingma’s money, he said.\u003c/p>\n\u003cp>“I and a number of other former Anthem policy holders are stuck in Anthem's Kafkaesque nightmare as part of healthcare reform,” Kingma, 57, wrote to me in an email.\u003c/p>\n\u003cp>Darrel Ng, a spokesman for Anthem Blue Cross, said in an email that insurers across California had moved members from canceled plans to new ones that comply with the law “and that transition retained their payment preference.\u003c/p>\n\u003cp>“In cases where members neglected to inform insurers that they had selected a new plan or informed insurers too late that they had selected a new plan, members are receiving a full refund for any amount paid.”\u003c/p>\n\u003cp>Kaiser Permanente spokesman Chris Stenrud confirmed that his insurer has also found cases similar to Kingma’s.\u003c/p>\n\u003cp>“Unfortunately, about 500 of our existing members in California who had automatic payment set up for their current plans were inadvertently charged before our systems recognized their enrollment in new plans through Covered California,” he wrote in an email. “We have identified the affected members and are in the process of contacting them to make them aware of the mistake, and of course, our commitment to refund the extra charge.\u003c/p>\n\u003cp>“We take this seriously, and want to assure our members that we will make them whole,” he wrote.\u003c/p>\n\u003cp>These actions may not fully satisfy the California Department of Insurance. Janice Rocco, deputy commissioner for health policy and reform, wrote in an email that insurers have cooperated with her agency and refunded premiums when questions arose, so “we hadn’t been focused on what the potential legal violations might be.”\u003c/p>\n\u003cp>She said insurers may have violated the law in two ways by deducting funds from customers’ bank accounts electronically. “Moving a policyholder from one product to another would be considered a ‘material change’ that would trigger a requirement in law to provide information about how to cancel the electronic funds transfer agreement. We did not see any notice of how to cancel an electronic transfer of funds in the policy cancellation notices, so there may be some violations of law in this regard.”\u003c/p>\n\u003cp>Beyond that, Rocco said, some of the new products used by two health insurers were technically “sold by one of the insurer’s affiliated companies with which that policyholder had no prior electronic funds transfer agreement, so that might be another area of potential legal violations,” she wrote.\u003c/p>\n\u003cp>It isn’t known whether similar complaints have been lodged outside of California. But insurers in a number of states sent consumers letters saying they would be moved to new plans unless they said otherwise. (\u003ca href=\"https://www.documentcloud.org/documents/809774-florida-blue-letter.html\">This letter\u003c/a> was posted online by Politifact.) The \u003ca href=\"http://news.yahoo.com/policy-notifications-current-status-state-204701399.html\">Associated Press reported\u003c/a> last month that at least 4.7 million people were told their old health plans were going away because they didn’t meet the coverage standards of the Affordable Care Act.\u003c/p>\n\u003cp>Kingma said the whole situation has left him frustrated.\u003c/p>\n\u003cp>“No business conducts fair business that way,” he said. “In December, they should be telling customers, this is the plan you will be converted into, this is the cost.”\u003c/p>\n\u003c/div>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/17339/people-with-canceled-health-insurance-policies-shifted-to-new-ones-without-permission","authors":["8344"],"categories":["stateofhealth_15"],"tags":["stateofhealth_116","stateofhealth_659"],"featImg":"stateofhealth_17341","label":"stateofhealth"},"stateofhealth_16420":{"type":"posts","id":"stateofhealth_16420","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"16420","score":null,"sort":[1385492104000]},"guestAuthors":[],"slug":"some-with-canceled-health-insurance-happy-about-new-plans-price-no-subsidies","title":"Some With Canceled Insurance Happy About New Plans, Price","publishDate":1385492104,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_16425\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/family-e1385491811473.jpg\">\u003cimg class=\"size-large wp-image-16425\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/family-640x479.jpg\" alt=\"Jane Bradford and her family will save more than $400 a month on premiums, she says. (Photo Courtesy of Bradford Family)\" width=\"640\" height=\"479\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Jane Bradford and her family will save more than $400 a month on premiums, she says. (Photo Courtesy of Bradford Family)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Stephanie O'Neill,\u003c/strong>\u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/November/26/california-insurance-cancellations-upside.aspx\" target=\"_blank\"> KPCC and Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>Barbara Neff of Santa Monica is one of the roughly 1 million Californians who recently got word that their health insurance coverage would be expiring soon. The canceled plans sparked a \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/29/new-aca-fracas-did-the-white-house-know-people-would-face-insurance-cancellations-obama/\" target=\"_blank\">political firestorm\u003c/a> as people realized President Barack Obama’s promise – “If you like your plan, you can keep it” -- didn’t apply to everyone.\u003c/p>\n\u003cp>But Neff, a 46-year-old self-employed writer, isn’t outraged. She’s relieved. Even though she makes too much money to receive a subsidy to buy insurance under the Affordable Care Act, the policy cancellation was good news for her.\u003c/p>\n\u003cp>Neff says she's been stuck in a bad plan because treatment for a back problem years ago red-flagged her with a preexisting condition.\u003c/p>\n\u003cp>\"The deductible has ranged anywhere from $3,000 to as high as $5,000, which means I have to spend that much each year before the insurance even kicks in,” she says. “I was rejected [from a more affordable policy] because I'd had a bout of sciatica five years previously that has never returned.”\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>On Jan. 1, the federal health law prohibits insurers from denying coverage or charging more for such preexisting problems. That's opened an array of options for Neff, who has enrolled in a new plan through the Covered California marketplace. Last Thursday, the exchange board \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/21/californians-with-canceled-policies-cannot-renew-says-covered-california-board/\" target=\"_blank\">voted unanimously\u003c/a> that it would not extend canceled policies, rejecting the president’s proposed fix for the problem.\u003c/p>\n\u003cp>Neff’s new policy has a $2,000 deductible and her premium will go up by $24 a month. Under the federal law, she’ll no longer have to pay for preventive care, and she figures that alone will more than make up for the additional premium costs.\u003c/p>\n\u003cp>“I've been paying for my mammograms out of pocket and that's $400 to $450 per year,” says Neff. “That type of care is 100 percent covered under this new policy.”\u003c/p>\n\u003cp>Huge deductibles have been the norm for Tim Wilsbach, a 40-year-old TV editor who lives in Culver City with his family. Like Neff, Wilsbach also makes too much to qualify for federal subsidies, so when he received his cancellation notice a few weeks ago, he was worried his premium would go up.\u003c/p>\n\u003cp>Wilsbach has had two plans for his family. The one being canceled is a bare bones policy with an $11,000 deductible that he has for himself and his four-year-old son.\u003c/p>\n\u003cp>“It was not a great policy,” he says, “which is essentially why we had a second plan for my wife which we paid a little more for.\"\u003c/p>\n\u003cp>Wilsbach and his wife are planning to have a second baby, so they had bought a policy for her with better coverage and a $5,000 deductible.\u003c/p>\n\u003cp>After getting the cancellation notice, Wilsbach checked out plans on the Covered California website, and he was pleasantly surprised. He found a plan for the whole family that offers broader coverage, a much lower $4,000 deductible and a more affordable monthly premium.\u003c/p>\n\u003cp>“Our premium went down, not quite 100 bucks, and just looking through what the plan covers versus what used to be covered, yeah, I'm quite happy about it,” Wilsbach says.\u003c/p>\n\u003cp>Jane Bradford, 52, is a stay-at-home mom in Pasadena. She’s losing the HMO insurance she has for herself and her three kids, who are 16, 21 and 23. While that policy offers low co-pays for doctor visits and a relatively low $3,000 family deductible, she'll shed no tears to see it go. Bradford says that's because she's found several plans that will cost hundreds less in monthly premiums -- even though her husband's income is too high for the family to qualify for a federal subsidy.\u003c/p>\n\u003cp>\u003cspan>“Saving possibly $400 or more a month is awesome, so I'm not sad at all,” Bradford says.\u003c/span>\u003c/p>\n\u003cp>None of this comes as a surprise to Micah Weinberg, a senior researcher at the Bay Area Council Economic Institute in San Francisco.\u003c/p>\n\u003cp>“A lot of the anecdotes about people having policies canceled and gigantic increases are real but not representative of what's happening more broadly in the marketplace,” Weinberg says.\u003c/p>\n\u003cp>Weinberg predicts many people who are losing their policies will come out ahead -- even if their premiums go up -- because of lower deductibles, full coverage of preventive care and no penalties for preexisting conditions. What’s more, he says, health insurance will almost certainly be cheaper for those who qualify for subsidies -- in California, that's an estimated \u003ca href=\"http://kff.org/report-section/state-by-state-estimates-of-the-number-of-people-eligible-for-premium-tax-credits-under-the-affordable-care-act-table-1/\" target=\"_blank\">1.9 million people\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This story is part of a partnership that includes \u003ca href=\"http://www.npr.org/sections/news/\" target=\"_blank\">NPR\u003c/a>, \u003c/em>\u003ca href=\"http://www.scpr.org/news/\">\u003cem>Southern California Public Radio\u003c/em>\u003cem>\u003c/em>\u003c/a>\u003cem>, and Kaiser Health News.\u003c/em>\u003c/p>\n\n","blocks":[],"excerpt":"Barbara Neff of Santa Monica is one of the roughly 1 million Californians who recently got word that their health insurance coverage would be expiring soon. The canceled plans sparked a political firestorm as people realized President Barack Obama’s promise – “If you like your plan, you can keep it” -- didn’t apply to everyone.\r\n\r\nBut Neff, a 46-year-old self-employed writer, isn’t outraged. She’s relieved. Even though she makes too much money to receive a subsidy to buy insurance under the Affordable Care Act, the policy cancellation was good news for her.","status":"publish","parent":0,"modified":1385504296,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":22,"wordCount":842},"headData":{"title":"Some With Canceled Insurance Happy About New Plans, Price | KQED","description":"Barbara Neff of Santa Monica is one of the roughly 1 million Californians who recently got word that their health insurance coverage would be expiring soon. The canceled plans sparked a political firestorm as people realized President Barack Obama’s promise – “If you like your plan, you can keep it” -- didn’t apply to everyone.\r\n\r\nBut Neff, a 46-year-old self-employed writer, isn’t outraged. She’s relieved. Even though she makes too much money to receive a subsidy to buy insurance under the Affordable Care Act, the policy cancellation was good news for her.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"Some With Canceled Insurance Happy About New Plans, Price","datePublished":"2013-11-26T18:55:04.000Z","dateModified":"2013-11-26T22:18:16.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"16420 http://blogs.kqed.org/stateofhealth/?p=16420","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/11/26/some-with-canceled-health-insurance-happy-about-new-plans-price-no-subsidies/","disqusTitle":"Some With Canceled Insurance Happy About New Plans, Price","path":"/stateofhealth/16420/some-with-canceled-health-insurance-happy-about-new-plans-price-no-subsidies","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16425\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/family-e1385491811473.jpg\">\u003cimg class=\"size-large wp-image-16425\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/family-640x479.jpg\" alt=\"Jane Bradford and her family will save more than $400 a month on premiums, she says. (Photo Courtesy of Bradford Family)\" width=\"640\" height=\"479\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Jane Bradford and her family will save more than $400 a month on premiums, she says. (Photo Courtesy of Bradford Family)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Stephanie O'Neill,\u003c/strong>\u003ca href=\"http://www.kaiserhealthnews.org/Stories/2013/November/26/california-insurance-cancellations-upside.aspx\" target=\"_blank\"> KPCC and Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>Barbara Neff of Santa Monica is one of the roughly 1 million Californians who recently got word that their health insurance coverage would be expiring soon. The canceled plans sparked a \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/29/new-aca-fracas-did-the-white-house-know-people-would-face-insurance-cancellations-obama/\" target=\"_blank\">political firestorm\u003c/a> as people realized President Barack Obama’s promise – “If you like your plan, you can keep it” -- didn’t apply to everyone.\u003c/p>\n\u003cp>But Neff, a 46-year-old self-employed writer, isn’t outraged. She’s relieved. Even though she makes too much money to receive a subsidy to buy insurance under the Affordable Care Act, the policy cancellation was good news for her.\u003c/p>\n\u003cp>Neff says she's been stuck in a bad plan because treatment for a back problem years ago red-flagged her with a preexisting condition.\u003c/p>\n\u003cp>\"The deductible has ranged anywhere from $3,000 to as high as $5,000, which means I have to spend that much each year before the insurance even kicks in,” she says. “I was rejected [from a more affordable policy] because I'd had a bout of sciatica five years previously that has never returned.”\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>On Jan. 1, the federal health law prohibits insurers from denying coverage or charging more for such preexisting problems. That's opened an array of options for Neff, who has enrolled in a new plan through the Covered California marketplace. Last Thursday, the exchange board \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/21/californians-with-canceled-policies-cannot-renew-says-covered-california-board/\" target=\"_blank\">voted unanimously\u003c/a> that it would not extend canceled policies, rejecting the president’s proposed fix for the problem.\u003c/p>\n\u003cp>Neff’s new policy has a $2,000 deductible and her premium will go up by $24 a month. Under the federal law, she’ll no longer have to pay for preventive care, and she figures that alone will more than make up for the additional premium costs.\u003c/p>\n\u003cp>“I've been paying for my mammograms out of pocket and that's $400 to $450 per year,” says Neff. “That type of care is 100 percent covered under this new policy.”\u003c/p>\n\u003cp>Huge deductibles have been the norm for Tim Wilsbach, a 40-year-old TV editor who lives in Culver City with his family. Like Neff, Wilsbach also makes too much to qualify for federal subsidies, so when he received his cancellation notice a few weeks ago, he was worried his premium would go up.\u003c/p>\n\u003cp>Wilsbach has had two plans for his family. The one being canceled is a bare bones policy with an $11,000 deductible that he has for himself and his four-year-old son.\u003c/p>\n\u003cp>“It was not a great policy,” he says, “which is essentially why we had a second plan for my wife which we paid a little more for.\"\u003c/p>\n\u003cp>Wilsbach and his wife are planning to have a second baby, so they had bought a policy for her with better coverage and a $5,000 deductible.\u003c/p>\n\u003cp>After getting the cancellation notice, Wilsbach checked out plans on the Covered California website, and he was pleasantly surprised. He found a plan for the whole family that offers broader coverage, a much lower $4,000 deductible and a more affordable monthly premium.\u003c/p>\n\u003cp>“Our premium went down, not quite 100 bucks, and just looking through what the plan covers versus what used to be covered, yeah, I'm quite happy about it,” Wilsbach says.\u003c/p>\n\u003cp>Jane Bradford, 52, is a stay-at-home mom in Pasadena. She’s losing the HMO insurance she has for herself and her three kids, who are 16, 21 and 23. While that policy offers low co-pays for doctor visits and a relatively low $3,000 family deductible, she'll shed no tears to see it go. Bradford says that's because she's found several plans that will cost hundreds less in monthly premiums -- even though her husband's income is too high for the family to qualify for a federal subsidy.\u003c/p>\n\u003cp>\u003cspan>“Saving possibly $400 or more a month is awesome, so I'm not sad at all,” Bradford says.\u003c/span>\u003c/p>\n\u003cp>None of this comes as a surprise to Micah Weinberg, a senior researcher at the Bay Area Council Economic Institute in San Francisco.\u003c/p>\n\u003cp>“A lot of the anecdotes about people having policies canceled and gigantic increases are real but not representative of what's happening more broadly in the marketplace,” Weinberg says.\u003c/p>\n\u003cp>Weinberg predicts many people who are losing their policies will come out ahead -- even if their premiums go up -- because of lower deductibles, full coverage of preventive care and no penalties for preexisting conditions. What’s more, he says, health insurance will almost certainly be cheaper for those who qualify for subsidies -- in California, that's an estimated \u003ca href=\"http://kff.org/report-section/state-by-state-estimates-of-the-number-of-people-eligible-for-premium-tax-credits-under-the-affordable-care-act-table-1/\" target=\"_blank\">1.9 million people\u003c/a>.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>This story is part of a partnership that includes \u003ca href=\"http://www.npr.org/sections/news/\" target=\"_blank\">NPR\u003c/a>, \u003c/em>\u003ca href=\"http://www.scpr.org/news/\">\u003cem>Southern California Public Radio\u003c/em>\u003cem>\u003c/em>\u003c/a>\u003cem>, and Kaiser Health News.\u003c/em>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/16420/some-with-canceled-health-insurance-happy-about-new-plans-price-no-subsidies","authors":["240"],"categories":["stateofhealth_15"],"tags":["stateofhealth_38","stateofhealth_659"],"featImg":"stateofhealth_16425","label":"stateofhealth"},"stateofhealth_16361":{"type":"posts","id":"stateofhealth_16361","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"16361","score":null,"sort":[1385160972000]},"guestAuthors":[],"slug":"canceled-insurance-some-pre-aca-plans-still-available-in-california-possibly-saving-you-money","title":"Canceled Insurance? Pre-ACA Plans Still Available, Could Save You Money","publishDate":1385160972,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_16366\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/161827239-e1385160827791.jpg\">\u003cimg class=\"size-large wp-image-16366\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/161827239-640x426.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>Some Californians whose policies have been canceled are finding relief in a surprising place: from insurance companies that aren't offering plans on the Covered California marketplace.\u003c/p>\n\u003cp>Earlier this year, Aetna announced it would bow out of the state's individual market — effective Dec. 31. Cigna is staying, but is not offering any products on the exchange. Right now, both companies are accepting new customers into pre-ACA plans. Aetna plans are \u003ca href=\"https://www51.aetna.com/iqs/costco/aimquote.do\" target=\"_blank\">available to Costco members only\u003c/a> until Dec. 15; Cigna is offering pre-ACA plans through Dec. 23.\u003c/p>\n\u003cp>Anne Gonzales, a Covered California spokeswoman, confirmed that a carrier not offering plans on Covered California \"could offer a non-compliant plan through 12/31/2013 but it would need to become compliant when it renews next year.\" So, consumers can enroll now, but when the policy comes up for renewal in 12 months, the plans would need to come into compliance with the ACA -- and premiums would almost certainly go up.\u003c/p>\n\u003cp>Jason Andrew, CEO of \u003ca href=\"http://www.smbinsure.com\" target=\"_blank\">Stone Meadow Benefits\u003c/a> in Redwood City, says he has \"tons of letters on my desk\" from clients who have received notice that their policies were canceled. The policies they have been offered are \"all more expensive and not as good of coverage,\" he says.\u003c!--more-->\u003c/p>\n\u003cp>One of Andrew's clients is Mary McEvoy Carroll of Menlo Park. Carroll, 61, had been paying $375 per month for a Health Net plan, with a $4,000 deductible, which is now being canceled. Her new ACA-compliant options ranged from $625 to $761 per month for a bronze plan. Andrew helped Carroll sign up for a Cigna plan, and her new premium is $553 per month, with a $4,900 deductible. Andrew says this plan covers \"annual wellness and preventive at 100 percent just like ACA compliant plans\" and has \"no less coverage overall.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Carroll says she had supported the ACA, and tries \"to be a good person, but 'this is for the greater good philosophy' is hard to swallow when it has a large personal impact.\"\u003c/p>\n\u003cp>But buyer beware -- Andrew says that Cigna will likely have a rate increase in early 2014. In California, no regulatory agency has\u003ca href=\"http://ww2.kqed.org/stateofhealth/2012/02/27/proposed-ballot-measure-seeks-tougher-health-insurance-rate-regulation/\" target=\"_blank\"> the authority to reject rate increases.\u003c/a> ACA-compliant plans can only change rates once a year. For consumers buying plans now on Covered California, their rates are guaranteed for all of 2014.\u003c/p>\n\u003cp style=\"text-align: center\">[\u003cstrong>Related:\u003c/strong> \u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">KQED's Guide to the ACA -- Just for Californians\u003c/a>]\u003c/p>\n\u003cp>In addition, pre-ACA plans are all subject to medical underwriting, a practice no longer permitted under the Affordable Care Act, starting Jan. 1.\u003c/p>\n\u003cp>Carroll called the underwriting process \"irritating and time consuming.\" She said she needed to dig up all her health records from the last 10 years, \"then you get a phone call and you are asked ridiculous questions. I use a prescription cream for reduction of facial hair. It's not covered by insurance, but you have to admit to it.\" The nurse who had called Carroll asked if she'd every had psychiatric counseling for the condition.\u003c/p>\n\u003cp>\"Can you imagine? 'Doctor, doctor, my facial hair is worrying me?\" Carroll said with an astonished laugh.\u003c/p>\n\u003cp>\u003cstrong>Check If You Are Eligible for Subsidy First\u003c/strong>\u003c/p>\n\u003cp>About 900,000 Californians have had their policies canceled because they do not comply with the health benefits required by the ACA. On Thursday, the Covered California board \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/21/californians-with-canceled-policies-cannot-renew-says-covered-california-board/\" target=\"_blank\">voted unanimously\u003c/a> that the cancellations will stand, no extensions will be permitted, as President \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/14/insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca/\" target=\"_blank\">Obama had requested\u003c/a> last week. Canceled policies will terminate on Dec. 31.\u003c/p>\n\u003cp>Of those 900,000 people, about one-third of them are eligible for subsidies. People can determine if they are eligible for a subsidy in seconds using \u003ca href=\"https://www.coveredca.com/shopandcompare/#calculator\" target=\"_blank\">a calculator\u003c/a> on the Covered California website. \"If you're subsidy-eligible,\" said Andrew, \"you're really going to benefit by enrolling in the exchange.\"\u003c/p>\n\u003cp>In addition, about half of the remaining 600,000 people have so-called \"skinny\" coverage and would likely benefit by enrolling in an ACA-compliant plan. Leesa Tori, senior advisor to Covered California, told the board on Thursday the story of a frustrated consumer whose premiums were doubling. It turned out that his coverage was so limited he \"was not really insured against the financial strain\" of an accident of a serious diagnosis. After crunching the numbers, the consumer will actually pay about the same in premiums as he is paying now in total costs and get better coverage, Tori said.\u003c/p>\n\u003cp>But if you're in the ACA 1 percent — that's how many Californians have had their policies canceled and will pay more for comparable coverage — you might want to investigate these other options.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cstrong>\u003cem>This post has been updated: While Cigna is not participating in the Covered California marketplace, the carrier is remaining in the California individual market after Dec. 31, 2013.\u003c/em>\u003c/strong>\u003c/p>\n\n","blocks":[],"excerpt":"Some Californians whose policies have been canceled are finding relief in a surprising place: from insurance companies that are leaving California.\r\n\r\nEarlier this year, Cigna and Aetna both announced they would bow out of the state -- effective Dec. 31. But right now, both companies are writing new policies, with the caveat that Aetna plans are available to Costco members only.","status":"publish","parent":0,"modified":1386115655,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":18,"wordCount":806},"headData":{"title":"Canceled Insurance? Pre-ACA Plans Still Available, Could Save You Money | KQED","description":"Some Californians whose policies have been canceled are finding relief in a surprising place: from insurance companies that are leaving California.\r\n\r\nEarlier this year, Cigna and Aetna both announced they would bow out of the state -- effective Dec. 31. But right now, both companies are writing new policies, with the caveat that Aetna plans are available to Costco members only.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"Canceled Insurance? Pre-ACA Plans Still Available, Could Save You Money","datePublished":"2013-11-22T22:56:12.000Z","dateModified":"2013-12-04T00:07:35.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"16361 http://blogs.kqed.org/stateofhealth/?p=16361","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/11/22/canceled-insurance-some-pre-aca-plans-still-available-in-california-possibly-saving-you-money/","disqusTitle":"Canceled Insurance? Pre-ACA Plans Still Available, Could Save You Money","path":"/stateofhealth/16361/canceled-insurance-some-pre-aca-plans-still-available-in-california-possibly-saving-you-money","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16366\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/161827239-e1385160827791.jpg\">\u003cimg class=\"size-large wp-image-16366\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/161827239-640x426.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"426\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>Some Californians whose policies have been canceled are finding relief in a surprising place: from insurance companies that aren't offering plans on the Covered California marketplace.\u003c/p>\n\u003cp>Earlier this year, Aetna announced it would bow out of the state's individual market — effective Dec. 31. Cigna is staying, but is not offering any products on the exchange. Right now, both companies are accepting new customers into pre-ACA plans. Aetna plans are \u003ca href=\"https://www51.aetna.com/iqs/costco/aimquote.do\" target=\"_blank\">available to Costco members only\u003c/a> until Dec. 15; Cigna is offering pre-ACA plans through Dec. 23.\u003c/p>\n\u003cp>Anne Gonzales, a Covered California spokeswoman, confirmed that a carrier not offering plans on Covered California \"could offer a non-compliant plan through 12/31/2013 but it would need to become compliant when it renews next year.\" So, consumers can enroll now, but when the policy comes up for renewal in 12 months, the plans would need to come into compliance with the ACA -- and premiums would almost certainly go up.\u003c/p>\n\u003cp>Jason Andrew, CEO of \u003ca href=\"http://www.smbinsure.com\" target=\"_blank\">Stone Meadow Benefits\u003c/a> in Redwood City, says he has \"tons of letters on my desk\" from clients who have received notice that their policies were canceled. The policies they have been offered are \"all more expensive and not as good of coverage,\" he says.\u003c!--more-->\u003c/p>\n\u003cp>One of Andrew's clients is Mary McEvoy Carroll of Menlo Park. Carroll, 61, had been paying $375 per month for a Health Net plan, with a $4,000 deductible, which is now being canceled. Her new ACA-compliant options ranged from $625 to $761 per month for a bronze plan. Andrew helped Carroll sign up for a Cigna plan, and her new premium is $553 per month, with a $4,900 deductible. Andrew says this plan covers \"annual wellness and preventive at 100 percent just like ACA compliant plans\" and has \"no less coverage overall.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Carroll says she had supported the ACA, and tries \"to be a good person, but 'this is for the greater good philosophy' is hard to swallow when it has a large personal impact.\"\u003c/p>\n\u003cp>But buyer beware -- Andrew says that Cigna will likely have a rate increase in early 2014. In California, no regulatory agency has\u003ca href=\"http://ww2.kqed.org/stateofhealth/2012/02/27/proposed-ballot-measure-seeks-tougher-health-insurance-rate-regulation/\" target=\"_blank\"> the authority to reject rate increases.\u003c/a> ACA-compliant plans can only change rates once a year. For consumers buying plans now on Covered California, their rates are guaranteed for all of 2014.\u003c/p>\n\u003cp style=\"text-align: center\">[\u003cstrong>Related:\u003c/strong> \u003ca href=\"http://www.kqed.org/news/health/obamacare/obamacare-guide.jsp\" target=\"_blank\">KQED's Guide to the ACA -- Just for Californians\u003c/a>]\u003c/p>\n\u003cp>In addition, pre-ACA plans are all subject to medical underwriting, a practice no longer permitted under the Affordable Care Act, starting Jan. 1.\u003c/p>\n\u003cp>Carroll called the underwriting process \"irritating and time consuming.\" She said she needed to dig up all her health records from the last 10 years, \"then you get a phone call and you are asked ridiculous questions. I use a prescription cream for reduction of facial hair. It's not covered by insurance, but you have to admit to it.\" The nurse who had called Carroll asked if she'd every had psychiatric counseling for the condition.\u003c/p>\n\u003cp>\"Can you imagine? 'Doctor, doctor, my facial hair is worrying me?\" Carroll said with an astonished laugh.\u003c/p>\n\u003cp>\u003cstrong>Check If You Are Eligible for Subsidy First\u003c/strong>\u003c/p>\n\u003cp>About 900,000 Californians have had their policies canceled because they do not comply with the health benefits required by the ACA. On Thursday, the Covered California board \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/21/californians-with-canceled-policies-cannot-renew-says-covered-california-board/\" target=\"_blank\">voted unanimously\u003c/a> that the cancellations will stand, no extensions will be permitted, as President \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/14/insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca/\" target=\"_blank\">Obama had requested\u003c/a> last week. Canceled policies will terminate on Dec. 31.\u003c/p>\n\u003cp>Of those 900,000 people, about one-third of them are eligible for subsidies. People can determine if they are eligible for a subsidy in seconds using \u003ca href=\"https://www.coveredca.com/shopandcompare/#calculator\" target=\"_blank\">a calculator\u003c/a> on the Covered California website. \"If you're subsidy-eligible,\" said Andrew, \"you're really going to benefit by enrolling in the exchange.\"\u003c/p>\n\u003cp>In addition, about half of the remaining 600,000 people have so-called \"skinny\" coverage and would likely benefit by enrolling in an ACA-compliant plan. Leesa Tori, senior advisor to Covered California, told the board on Thursday the story of a frustrated consumer whose premiums were doubling. It turned out that his coverage was so limited he \"was not really insured against the financial strain\" of an accident of a serious diagnosis. After crunching the numbers, the consumer will actually pay about the same in premiums as he is paying now in total costs and get better coverage, Tori said.\u003c/p>\n\u003cp>But if you're in the ACA 1 percent — that's how many Californians have had their policies canceled and will pay more for comparable coverage — you might want to investigate these other options.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cstrong>\u003cem>This post has been updated: While Cigna is not participating in the Covered California marketplace, the carrier is remaining in the California individual market after Dec. 31, 2013.\u003c/em>\u003c/strong>\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/16361/canceled-insurance-some-pre-aca-plans-still-available-in-california-possibly-saving-you-money","authors":["240"],"categories":["stateofhealth_15"],"tags":["stateofhealth_38","stateofhealth_368","stateofhealth_659"],"featImg":"stateofhealth_14103","label":"stateofhealth"},"stateofhealth_16232":{"type":"posts","id":"stateofhealth_16232","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"16232","score":null,"sort":[1384469967000]},"guestAuthors":[],"slug":"can-you-renew-your-health-insurance-policy-nobody-knows-yet-obamacare-covered-california","title":"Can You Renew Your Policy? Nobody Knows Yet","publishDate":1384469967,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_16239\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/114385518.jpg\">\u003cimg class=\"size-large wp-image-16239\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/114385518-640x428.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"428\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>President Obama announced Thursday morning that insurance companies now have the \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/14/insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca/\" target=\"_blank\">option to offer renewals\u003c/a> to people whose\u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/22/thousands-of-consumers-get-insurance-cancellation-notices-due-to-health-law-changes-obamacare-aca/\" target=\"_blank\"> plans were cancelled\u003c/a>.\u003c/p>\n\u003cp>But that doesn't mean insurance companies are required to take the president up on his offer.\u003c/p>\n\u003cp>Patrick Johnston, CEO of California Association of Health Plans, said in a statement that California \"needs to stay the course and transition people into the more comprehensive policies that meet the requirements of the Affordable Care Act.\"\u003c/p>\n\u003cp>He also pointed out that contracts with Covered California, the state's health insurance marketplace, \"require all non-grandfathered health plans to be ACA compliant by 2014.\"\u003c/p>\n\u003cp>But California's insurance commissioner Dave Jones is taking the opposite approach. In a press conference, he said he asked Covered California on Thursday to release insurers from their contracts to cancel non-ACA compliant policies by Dec. 31.\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Jones has long argued that consumers should be allowed to keep their plans through 2014. In recent weeks, he fought first \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/05/state-insurance-commissioner-forces-blue-shield-to-delay-cancellations-obamacare/\" target=\"_blank\">Blue Shield \u003c/a>and more recently Anthem Blue Cross which, he says, gave insufficient notice of cancellation of some consumers' plans.\u003c/p>\n\u003cp>But Jones lacks authority under state or federal law to force plans to permit consumers to renew. That decision appears to be up to Covered California, which issued an exceptionally brief statement of its own Thursday afternoon -- just two lines:\u003c/p>\n\u003cblockquote>\u003cp>We are assessing the impact and analyzing our options on how Covered California will incorporate this modification into our existing policy and direction.\u003c/p>\n\u003cp>Covered California understands the urgent need for clarity around this segment of policy and is working closely with health plans, regulators, and policy makers to quickly determine how the President’s new guidance will be fulfilled for Californians.\u003c/p>\u003c/blockquote>\n\u003cp>Roughly 2 million people currently purchase insurance in California's individual market and about half of them have received cancellation notices. Still, at least some of those people whose policies were cancelled will see better options in terms of benefits and/or costs on the Covered California marketplace. In addition,\u003ca href=\"http://www.chcf.org/~/media/MEDIA%20LIBRARY%20Files/PDF/H/PDF%20HealthReformTranslationInfographic1.pdf\" target=\"_blank\"> 5.5 million Californians are uninsured\u003c/a>.\u003c/p>\n\u003cp>California's current \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/22/thousands-of-consumers-get-insurance-cancellation-notices-due-to-health-law-changes-obamacare-aca/\" target=\"_blank\">individual market is healthier \u003c/a>than the population as a whole. If people in the current pool were allowed to renew their current policies, that would keep them out of the Covered California risk pool and potentially destabilize the insurance market.\u003c/p>\n\u003cp>Chris Rauber at the \u003ca href=\"http://www.bizjournals.com/sanfrancisco/blog/2013/11/obamcare-delay-doi-changes.html\" target=\"_blank\">San Francisco Business Times\u003c/a> cites Karen Ignagni, CEO of America's Health Insurance Plans:\u003c/p>\n\u003cblockquote>\u003cp>Premiums for next year's policies have already been set, Ignagni said, \"based on an assumption of when consumers will be transitioning to the new (Obamacare exchange) marketplace,\" and indicated a fear that if fewer young, healthy people sign up on Healthcare.gov and state exchanges (like Covered California) premiums will jump and the number of options for consumers will shrink.\u003c/p>\n\u003cp>\"Additional steps must be taken to stabilize the marketplace and mitigate the adverse impact on consumers,\" Ignagni concluded.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\n\u003cp>Should be pretty interesting to see how this all shakes out in the coming days.\u003c/p>\n\n","blocks":[],"excerpt":"President Obama announced Thursday morning that insurance companies now have the option to offer renewals to people whose plans were cancelled.\r\n\r\nBut that doesn't mean insurance companies are required to take the president up on his offer.\r\n\r\nPatrick Johnston, CEO of California Association of Health Plans, said in a statement that California \"needs to stay the course and transition people into the more comprehensive policies that meet the requirements of the Affordable Care Act.\"","status":"publish","parent":0,"modified":1384798568,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":17,"wordCount":502},"headData":{"title":"Can You Renew Your Policy? Nobody Knows Yet | KQED","description":"President Obama announced Thursday morning that insurance companies now have the option to offer renewals to people whose plans were cancelled.\r\n\r\nBut that doesn't mean insurance companies are required to take the president up on his offer.\r\n\r\nPatrick Johnston, CEO of California Association of Health Plans, said in a statement that California "needs to stay the course and transition people into the more comprehensive policies that meet the requirements of the Affordable Care Act."","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"Can You Renew Your Policy? Nobody Knows Yet","datePublished":"2013-11-14T22:59:27.000Z","dateModified":"2013-11-18T18:16:08.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"16232 http://blogs.kqed.org/stateofhealth/?p=16232","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/11/14/can-you-renew-your-health-insurance-policy-nobody-knows-yet-obamacare-covered-california/","disqusTitle":"Can You Renew Your Policy? Nobody Knows Yet","path":"/stateofhealth/16232/can-you-renew-your-health-insurance-policy-nobody-knows-yet-obamacare-covered-california","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16239\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/114385518.jpg\">\u003cimg class=\"size-large wp-image-16239\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/114385518-640x428.jpg\" alt=\"(Getty Images)\" width=\"640\" height=\"428\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>President Obama announced Thursday morning that insurance companies now have the \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/14/insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca/\" target=\"_blank\">option to offer renewals\u003c/a> to people whose\u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/22/thousands-of-consumers-get-insurance-cancellation-notices-due-to-health-law-changes-obamacare-aca/\" target=\"_blank\"> plans were cancelled\u003c/a>.\u003c/p>\n\u003cp>But that doesn't mean insurance companies are required to take the president up on his offer.\u003c/p>\n\u003cp>Patrick Johnston, CEO of California Association of Health Plans, said in a statement that California \"needs to stay the course and transition people into the more comprehensive policies that meet the requirements of the Affordable Care Act.\"\u003c/p>\n\u003cp>He also pointed out that contracts with Covered California, the state's health insurance marketplace, \"require all non-grandfathered health plans to be ACA compliant by 2014.\"\u003c/p>\n\u003cp>But California's insurance commissioner Dave Jones is taking the opposite approach. In a press conference, he said he asked Covered California on Thursday to release insurers from their contracts to cancel non-ACA compliant policies by Dec. 31.\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Jones has long argued that consumers should be allowed to keep their plans through 2014. In recent weeks, he fought first \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/05/state-insurance-commissioner-forces-blue-shield-to-delay-cancellations-obamacare/\" target=\"_blank\">Blue Shield \u003c/a>and more recently Anthem Blue Cross which, he says, gave insufficient notice of cancellation of some consumers' plans.\u003c/p>\n\u003cp>But Jones lacks authority under state or federal law to force plans to permit consumers to renew. That decision appears to be up to Covered California, which issued an exceptionally brief statement of its own Thursday afternoon -- just two lines:\u003c/p>\n\u003cblockquote>\u003cp>We are assessing the impact and analyzing our options on how Covered California will incorporate this modification into our existing policy and direction.\u003c/p>\n\u003cp>Covered California understands the urgent need for clarity around this segment of policy and is working closely with health plans, regulators, and policy makers to quickly determine how the President’s new guidance will be fulfilled for Californians.\u003c/p>\u003c/blockquote>\n\u003cp>Roughly 2 million people currently purchase insurance in California's individual market and about half of them have received cancellation notices. Still, at least some of those people whose policies were cancelled will see better options in terms of benefits and/or costs on the Covered California marketplace. In addition,\u003ca href=\"http://www.chcf.org/~/media/MEDIA%20LIBRARY%20Files/PDF/H/PDF%20HealthReformTranslationInfographic1.pdf\" target=\"_blank\"> 5.5 million Californians are uninsured\u003c/a>.\u003c/p>\n\u003cp>California's current \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/10/22/thousands-of-consumers-get-insurance-cancellation-notices-due-to-health-law-changes-obamacare-aca/\" target=\"_blank\">individual market is healthier \u003c/a>than the population as a whole. If people in the current pool were allowed to renew their current policies, that would keep them out of the Covered California risk pool and potentially destabilize the insurance market.\u003c/p>\n\u003cp>Chris Rauber at the \u003ca href=\"http://www.bizjournals.com/sanfrancisco/blog/2013/11/obamcare-delay-doi-changes.html\" target=\"_blank\">San Francisco Business Times\u003c/a> cites Karen Ignagni, CEO of America's Health Insurance Plans:\u003c/p>\n\u003cblockquote>\u003cp>Premiums for next year's policies have already been set, Ignagni said, \"based on an assumption of when consumers will be transitioning to the new (Obamacare exchange) marketplace,\" and indicated a fear that if fewer young, healthy people sign up on Healthcare.gov and state exchanges (like Covered California) premiums will jump and the number of options for consumers will shrink.\u003c/p>\n\u003cp>\"Additional steps must be taken to stabilize the marketplace and mitigate the adverse impact on consumers,\" Ignagni concluded.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\n\u003cp>Should be pretty interesting to see how this all shakes out in the coming days.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/16232/can-you-renew-your-health-insurance-policy-nobody-knows-yet-obamacare-covered-california","authors":["240"],"categories":["stateofhealth_15"],"tags":["stateofhealth_294","stateofhealth_659"],"featImg":"stateofhealth_16239","label":"stateofhealth"},"stateofhealth_16211":{"type":"posts","id":"stateofhealth_16211","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"16211","score":null,"sort":[1384454404000]},"guestAuthors":[],"slug":"insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca","title":"Insurance Canceled? Obama Now Says Companies Can Offer One-Year Renewals","publishDate":1384454404,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_16227\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187988217-e1384456349299.jpg\">\u003cimg class=\"size-large wp-image-16227\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187988217-640x432.jpg\" alt=\"President Barack Obama speaks on the Affordable Care Act in the White House briefing room. (Win McNamee/Getty Images)\" width=\"640\" height=\"432\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">President Barack Obama speaks on the Affordable Care Act in the White House briefing room. (Win McNamee/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>WASHINGTON (AP) — Bowing to pressure, President Barack Obama on Thursday announced changes to his health care law to give insurance companies the option to keep offering consumers plans that would otherwise be canceled.\u003c/p>\n\u003cp>The administrative changes are good for just one year, though senior administration officials said they could be extended if problems with the law persist. Obama announced the changes at the White House.\u003c/p>\n\u003caside class=\"pullquote alignleft\">The impact is unclear. While insurance companies will be able to offer people renewals, companies are not required to do so.\u003c/aside>\n\u003cp>\"This fix won't solve every problem for every person, but it's going to help a lot of people,\" the president said.\u003c/p>\n\u003cp>He acknowledged that \"we fumbled the rollout of this health care law\" and pledged to \"just keep on chipping away at this until the job is done.\"\u003c/p>\n\u003cp>He also promised to work to regain the trust of the American people.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"I think it's legitimate for them to expect me to have to win back some credibility on this health care law in particular and on a whole range of these issues in general,\" he said.\u003c!--more-->\u003c/p>\n\u003cp>Obama has been under enormous pressure from congressional Democrats to give ground on the cancellation issue under the health care overhaul, a program likely to be at the center of next year's midterm elections for control of the House and Senate.\u003c/p>\n\u003cp>It's unclear what the impact of Thursday's changes will be for the millions of people who have already had their plans canceled. While officials said insurance companies will now be able to offer those people the option to renew their old plans, companies are not required to take that step.\u003c/p>\n\u003cp>Insurance companies will be required to inform consumers who want to keep canceled plans about the protections that are not included under those plans. Customers will also be notified that new options are available offering more coverage and in some cases, tax credits to cover higher premiums.\u003c/p>\n\u003cp>Under Obama's plan, insurance companies would not be allowed to sell coverage deemed subpar under the law to new customers, marking a difference with legislation that House Republicans intend to put to a vote on Friday.\u003c/p>\n\u003cp>Only last week, Health and Human Services Secretary Kathleen Sebelius told a Senate panel she doubted that retroactively permitting insurers to sell canceled policies \"can work very well since companies are now in the market with an array of new plans. Many have actually added consumer protections in the last three-and-a-half years.\"\u003c/p>\n\u003cp>Republicans were unimpressed with the changes.\u003c/p>\n\u003cp>House Speaker John Boehner, speaking in advance of the president's announcement, insisted it was time to \"scrap this law once and for all.\"\u003c/p>\n\u003cp>\"You can't fix this government-run health care plan called Obamacare ,\" he said. \"It's just not fixable.\"\u003c/p>\n\u003cp>Obama, for his part, made clear he would continue to fight ongoing attempts to sink the whole program, saying, \"I will not accept proposals that are just another brazen attempt to undermine or repeal the overall law and drag us back into a broken system.\"\u003c/p>\n\u003cp>\"We're going to solve the problems that are there, we're going to get it right, and the Affordable Care Act is going to work for the American people,\" he pledged.\u003c/p>\n\u003cp>While the White House deals with the cancellation issue, the administration is also promising improvements in a federal website so balky that enrollments totaled fewer than 27,000 in October in 36 states combined. The administration had said in advance the enrollment numbers would fall far short of initial expectations. After weeks of highly publicized technical woes, they did.\u003c/p>\n\u003cp>Adding in enrollment of more than 79,000 in the 14 states with their own websites, the nationwide number of 106,000 October sign-ups was barely one-fifth of what officials had projected — and a small fraction of the millions who have received private coverage cancellations as a result of the federal law.\u003c/p>\n\u003cp style=\"text-align: center\">\u003cstrong>[Related: \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/13/covered-california-enrolled-more-than-35000-people-in-october-new-data-shows/\" target=\"_blank\">California Dramatically Outperforms Healthcare.gov on Obamacare Enrollments\u003c/a>]\u003c/strong>\u003c/p>\n\u003cp>The administration said an additional 1 million people have been found eligible to buy coverage in the markets, with about one-third qualifying for tax credits to reduce their premiums. Another 396,000 have been found eligible for Medicaid, which covers low-income people.\u003c/p>\n\u003cp>Administration officials and senior congressional Democrats expressed confidence in the program's future. \"We expect enrollment will grow substantially throughout the next five months,\" said Sebelius, who is in charge of the program.\u003c/p>\n\u003cp>\"Even with the issues we've had, the marketplace is working and people are enrolling,\" she added.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n","blocks":[],"excerpt":"Bowing to pressure, President Barack Obama on Thursday announced changes to his health care law to give insurance companies the option to keep offering consumers plans that would otherwise be canceled.\r\n\r\nThe administrative changes are good for just one year, though senior administration officials said they could be extended if problems with the law persist. Obama announced the changes at the White House.","status":"publish","parent":0,"modified":1384457153,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":23,"wordCount":802},"headData":{"title":"Insurance Canceled? Obama Now Says Companies Can Offer One-Year Renewals | KQED","description":"Bowing to pressure, President Barack Obama on Thursday announced changes to his health care law to give insurance companies the option to keep offering consumers plans that would otherwise be canceled.\r\n\r\nThe administrative changes are good for just one year, though senior administration officials said they could be extended if problems with the law persist. Obama announced the changes at the White House.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"Article","headline":"Insurance Canceled? Obama Now Says Companies Can Offer One-Year Renewals","datePublished":"2013-11-14T18:40:04.000Z","dateModified":"2013-11-14T19:25:53.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}},"disqusIdentifier":"16211 http://blogs.kqed.org/stateofhealth/?p=16211","disqusUrl":"https://ww2.kqed.org/stateofhealth/2013/11/14/insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca/","disqusTitle":"Insurance Canceled? Obama Now Says Companies Can Offer One-Year Renewals","path":"/stateofhealth/16211/insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16227\" class=\"wp-caption alignnone\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187988217-e1384456349299.jpg\">\u003cimg class=\"size-large wp-image-16227\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/187988217-640x432.jpg\" alt=\"President Barack Obama speaks on the Affordable Care Act in the White House briefing room. (Win McNamee/Getty Images)\" width=\"640\" height=\"432\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">President Barack Obama speaks on the Affordable Care Act in the White House briefing room. (Win McNamee/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>WASHINGTON (AP) — Bowing to pressure, President Barack Obama on Thursday announced changes to his health care law to give insurance companies the option to keep offering consumers plans that would otherwise be canceled.\u003c/p>\n\u003cp>The administrative changes are good for just one year, though senior administration officials said they could be extended if problems with the law persist. Obama announced the changes at the White House.\u003c/p>\n\u003caside class=\"pullquote alignleft\">The impact is unclear. While insurance companies will be able to offer people renewals, companies are not required to do so.\u003c/aside>\n\u003cp>\"This fix won't solve every problem for every person, but it's going to help a lot of people,\" the president said.\u003c/p>\n\u003cp>He acknowledged that \"we fumbled the rollout of this health care law\" and pledged to \"just keep on chipping away at this until the job is done.\"\u003c/p>\n\u003cp>He also promised to work to regain the trust of the American people.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"I think it's legitimate for them to expect me to have to win back some credibility on this health care law in particular and on a whole range of these issues in general,\" he said.\u003c!--more-->\u003c/p>\n\u003cp>Obama has been under enormous pressure from congressional Democrats to give ground on the cancellation issue under the health care overhaul, a program likely to be at the center of next year's midterm elections for control of the House and Senate.\u003c/p>\n\u003cp>It's unclear what the impact of Thursday's changes will be for the millions of people who have already had their plans canceled. While officials said insurance companies will now be able to offer those people the option to renew their old plans, companies are not required to take that step.\u003c/p>\n\u003cp>Insurance companies will be required to inform consumers who want to keep canceled plans about the protections that are not included under those plans. Customers will also be notified that new options are available offering more coverage and in some cases, tax credits to cover higher premiums.\u003c/p>\n\u003cp>Under Obama's plan, insurance companies would not be allowed to sell coverage deemed subpar under the law to new customers, marking a difference with legislation that House Republicans intend to put to a vote on Friday.\u003c/p>\n\u003cp>Only last week, Health and Human Services Secretary Kathleen Sebelius told a Senate panel she doubted that retroactively permitting insurers to sell canceled policies \"can work very well since companies are now in the market with an array of new plans. Many have actually added consumer protections in the last three-and-a-half years.\"\u003c/p>\n\u003cp>Republicans were unimpressed with the changes.\u003c/p>\n\u003cp>House Speaker John Boehner, speaking in advance of the president's announcement, insisted it was time to \"scrap this law once and for all.\"\u003c/p>\n\u003cp>\"You can't fix this government-run health care plan called Obamacare ,\" he said. \"It's just not fixable.\"\u003c/p>\n\u003cp>Obama, for his part, made clear he would continue to fight ongoing attempts to sink the whole program, saying, \"I will not accept proposals that are just another brazen attempt to undermine or repeal the overall law and drag us back into a broken system.\"\u003c/p>\n\u003cp>\"We're going to solve the problems that are there, we're going to get it right, and the Affordable Care Act is going to work for the American people,\" he pledged.\u003c/p>\n\u003cp>While the White House deals with the cancellation issue, the administration is also promising improvements in a federal website so balky that enrollments totaled fewer than 27,000 in October in 36 states combined. The administration had said in advance the enrollment numbers would fall far short of initial expectations. After weeks of highly publicized technical woes, they did.\u003c/p>\n\u003cp>Adding in enrollment of more than 79,000 in the 14 states with their own websites, the nationwide number of 106,000 October sign-ups was barely one-fifth of what officials had projected — and a small fraction of the millions who have received private coverage cancellations as a result of the federal law.\u003c/p>\n\u003cp style=\"text-align: center\">\u003cstrong>[Related: \u003ca href=\"http://ww2.kqed.org/stateofhealth/2013/11/13/covered-california-enrolled-more-than-35000-people-in-october-new-data-shows/\" target=\"_blank\">California Dramatically Outperforms Healthcare.gov on Obamacare Enrollments\u003c/a>]\u003c/strong>\u003c/p>\n\u003cp>The administration said an additional 1 million people have been found eligible to buy coverage in the markets, with about one-third qualifying for tax credits to reduce their premiums. Another 396,000 have been found eligible for Medicaid, which covers low-income people.\u003c/p>\n\u003cp>Administration officials and senior congressional Democrats expressed confidence in the program's future. \"We expect enrollment will grow substantially throughout the next five months,\" said Sebelius, who is in charge of the program.\u003c/p>\n\u003cp>\"Even with the issues we've had, the marketplace is working and people are enrolling,\" she added.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/16211/insurance-canceled-obama-now-says-companies-can-offer-renewals-obamacare-aca","authors":["8344"],"categories":["stateofhealth_15"],"tags":["stateofhealth_38","stateofhealth_659"],"featImg":"stateofhealth_16227","label":"stateofhealth"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. Michel Martin hosts on the weekends.","airtime":"MON-FRI 1pm-2pm, 4:30pm-6:30pm\u003cbr />SAT-SUN 5pm-6pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/All-Things-Considered-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/all-things-considered/","meta":{"site":"news","source":"npr"},"link":"/radio/program/all-things-considered"},"american-suburb-podcast":{"id":"american-suburb-podcast","title":"American Suburb: The Podcast","tagline":"The flip side of gentrification, told through one town","info":"Gentrification is changing cities across America, forcing people from neighborhoods they have long called home. Call them the displaced. Now those priced out of the Bay Area are looking for a better life in an unlikely place. American Suburb follows this migration to one California town along the Delta, 45 miles from San Francisco. But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. 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You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.","airtime":"MON-FRI 3am-9am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/morning-edition/","meta":{"site":"news","source":"npr"},"link":"/radio/program/morning-edition"},"onourwatch":{"id":"onourwatch","title":"On Our Watch","tagline":"Police secrets, unsealed","info":"For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg","imageAlt":"On Our Watch from NPR and KQED","officialWebsiteLink":"/podcasts/onourwatch","meta":{"site":"news","source":"kqed","order":"1"},"link":"/podcasts/onourwatch","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1567098962","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw","npr":"https://rpb3r.app.goo.gl/onourwatch","spotify":"https://open.spotify.com/show/0OLWoyizopu6tY1XiuX70x","tuneIn":"https://tunein.com/radio/On-Our-Watch-p1436229/","stitcher":"https://www.stitcher.com/show/on-our-watch","rss":"https://feeds.npr.org/510360/podcast.xml"}},"on-the-media":{"id":"on-the-media","title":"On The Media","info":"Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. For one hour a week, the show tries to lift the veil from the process of \"making media,\" especially news media, because it's through that lens that we see the world and the world sees us","airtime":"SUN 2pm-3pm, MON 12am-1am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/onTheMedia.png","officialWebsiteLink":"https://www.wnycstudios.org/shows/otm","meta":{"site":"news","source":"wnyc"},"link":"/radio/program/on-the-media","subscribe":{"apple":"https://itunes.apple.com/us/podcast/on-the-media/id73330715?mt=2","tuneIn":"https://tunein.com/radio/On-the-Media-p69/","rss":"http://feeds.wnyc.org/onthemedia"}},"our-body-politic":{"id":"our-body-politic","title":"Our Body Politic","info":"Presented by KQED, KCRW and KPCC, and created and hosted by award-winning journalist Farai Chideya, Our Body Politic is unapologetically centered on reporting on not just how women of color experience the major political events of today, but how they’re impacting those very issues.","airtime":"SAT 6pm-7pm, SUN 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Our-Body-Politic-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://our-body-politic.simplecast.com/","meta":{"site":"news","source":"kcrw"},"link":"/radio/program/our-body-politic","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/our-body-politic/id1533069868","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5zaW1wbGVjYXN0LmNvbS9feGFQaHMxcw","spotify":"https://open.spotify.com/show/4ApAiLT1kV153TttWAmqmc","rss":"https://feeds.simplecast.com/_xaPhs1s","tuneIn":"https://tunein.com/podcasts/News--Politics-Podcasts/Our-Body-Politic-p1369211/"}},"pbs-newshour":{"id":"pbs-newshour","title":"PBS NewsHour","info":"Analysis, background reports and updates from the PBS NewsHour putting today's news in context.","airtime":"MON-FRI 3pm-4pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/PBS-News-Hour-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.pbs.org/newshour/","meta":{"site":"news","source":"pbs"},"link":"/radio/program/pbs-newshour","subscribe":{"apple":"https://itunes.apple.com/us/podcast/pbs-newshour-full-show/id394432287?mt=2","tuneIn":"https://tunein.com/radio/PBS-NewsHour---Full-Show-p425698/","rss":"https://www.pbs.org/newshour/feeds/rss/podcasts/show"}},"perspectives":{"id":"perspectives","title":"Perspectives","tagline":"KQED's series of of daily listener commentaries since 1991","info":"KQED's series of of daily listener commentaries since 1991.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Perspectives-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/perspectives/","meta":{"site":"radio","source":"kqed","order":"15"},"link":"/perspectives","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/id73801135","npr":"https://www.npr.org/podcasts/432309616/perspectives","rss":"https://ww2.kqed.org/perspectives/category/perspectives/feed/","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvcGVyc3BlY3RpdmVzL2NhdGVnb3J5L3BlcnNwZWN0aXZlcy9mZWVkLw"}},"planet-money":{"id":"planet-money","title":"Planet Money","info":"The economy explained. 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