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ACA Marketplace Enrollment Opens with Expanded Options and Subsidies

NNPA NEWSWIRE — Health officials said the ACA Marketplace’s enrollment success reflects expanded access under the Biden-Harris administration. However, political opposition from Trump and MAGA Republicans threatens these gains.

Published

2 weeks ago

November 4, 2024

Stacy M. Brown

By Stacy M. Brown, NNPA Newswire Senior National Correspondent
@StacyBrownMedia

The Affordable Care Act (ACA) Marketplace opens its 2025 enrollment season, offering millions the opportunity to secure or adjust health insurance plans. This year’s opening enrollment is vital, particularly if Donald Trump is re-elected. The twice-impeached former president and MAGA Republicans have vowed to repeal the healthcare law, which would deprive an estimated 40 million Americans of coverage. Under Trump’s plan, millions of individuals with pre-existing conditions would also lose health insurance.

In 2024, approximately 4.2 million Floridians enrolled in an ACA health plan, marking a more than 200% increase from 2020, according to White House data. Florida, one of 10 states that hasn’t expanded Medicaid, is seeing around 823,000 residents lose Medicaid coverage.

More than 418,000 Michigan residents signed up for new health plans through HealthCare.gov—a nearly 30% increase over 2023. In Wisconsin, over 250,000 residents secured ACA coverage, as state officials reported. Meanwhile, 1.26 million Georgia residents enrolled, reflecting a 206% rise from 2020, with about 96% receiving an advanced premium tax credit to help cover premiums.

Maryland also saw a 33% increase in Black enrollees and a 30% increase in Hispanic enrollees. In Virginia, 389,568 residents enrolled, marking a 67% increase since 2020, with 88% receiving advanced premium tax credits to help cover costs. Meanwhile, 11,910 District of Columbia residents enrolled, although enrollment has decreased by 26% since 2020 — about 22% of D.C. enrollees qualified for advanced premium tax credits.

With increased enrollment nationwide, this year’s Marketplace offers more options than ever. According to the Kaiser Family Foundation (KFF), consumers can choose from a broader array of plans, with benchmark silver plans averaging a 4% premium increase and bronze plans up by 5%. However, enhanced subsidies introduced under the Inflation Reduction Act (IRA) continue to make coverage affordable, capping monthly premiums at a percentage of income. Most enrollees on HealthCare.gov can find plans for under $10 per month, despite unsubsidized premiums reaching $497 for a 40-year-old on a benchmark silver plan. KFF researchers noted that some states, like Vermont, Alaska, and North Dakota, face double-digit premium hikes, while others, like Louisiana, see decreases in low-cost plans.

Under the Biden-Harris administration, the ACA Marketplace has expanded to include more insurers, with an average of 9.6 participating insurers per state, allowing 97% of Healthcare.gov users to choose from at least three insurers. The range of options includes silver and bronze plans tailored to meet different healthcare needs. Silver plans, which serve as the basis for subsidy calculations, offer a balance of coverage and cost, while bronze plans provide lower premiums but higher deductibles.

Federal funding has also been allocated to ensure continued support for enrollees. The Biden-Harris administration committed $100 million to the Navigator program, providing more resources to help Americans understand and select the best health plan. Enhanced subsidies—initially introduced under the American Rescue Plan Act and extended by the IRA—are set to expire at the end of 2025 unless renewed by Congress. Without renewal, millions would face premium hikes in 2026, with costs doubling in some cases. A young family of four in Pennsylvania earning $125,000 would see an annual increase of $6,448, while a 45-year-old in Wisconsin with a $60,000 income would experience a $1,354 hike.

DACA recipients are eligible for ACA coverage for the first time, with subsidies that help reduce costs. Effective November 1, this new eligibility offers a special enrollment window for an estimated 100,000 DACA recipients despite ongoing litigation. Additionally, states like California and New Mexico are leveraging federal tax credits to reduce deductibles, enhancing affordability for those with lower incomes.

KFF found that further safeguards and protections accompany this year’s enrollment. Stricter fraud protections require brokers to secure consent before making plan changes and respond to complaints about unauthorized plan modifications. Non-ACA-compliant short-term plans are now limited to four months and must display clear disclaimers noting they lack comprehensive health coverage. Similarly, fixed indemnity plans, which pay a set amount for specific medical events but lack ACA protections, now carry required disclaimers.

New network adequacy standards for federal Marketplace plans also ensure timely access to care. Wait times are capped in 2025 at ten business days for behavioral health, 15 days for primary care, and 30 days for non-urgent specialty care. Compliance will be monitored through “secret shoppers” surveys to verify access.

Health officials said the ACA Marketplace’s enrollment success reflects expanded access under the Biden-Harris administration. However, political opposition from Trump and MAGA Republicans threatens these gains.

To register for health insurance for 2025, visit http://www.Healthcare.gov.

Stacy M. Brown

Posts by Stacy M. Brown

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#NNPA BlackPress

OP-ED: The Illusion of Allyship. White Women, Your Yard Signs Mean Nothing to Me

NNPA NEWSWIRE – “The blue bracelets are something White women are wearing so others can see that they didn’t vote for Trump,” says Liberal Lisa from Oklahoma on X. Chile, bye. These bracelets are hollow symbols, empty gestures that mean nothing to me. An accessory to claim distance from Trump’s legacy is superficial comfort, while the choice to not stand with us in the voting booth is far more profound.

Published

6 days ago

November 9, 2024

Oakland Post

Political yard signs can symbolize intentions and allegiance. But this year, they’ve also symbolized betrayal. During this general election, Black women were led to believe that more White women would stand with us. Exit polls, however, told a different story. Despite overwhelming displays of support, more White women still chose to vote for the convicted felon, reality TV star, and rapist. White women answered the call but left us hanging at the polls.

A Familiar Disappointment

I live in DeKalb County, Georgia, and the abundance of Harris-Walz yard signs could’ve fooled me. But I’ve seen this before, back when Stacey Abrams ran for governor. White women showed up, put up signs, attended rallies, knocked on doors, and phone-banked. Yet, when it came time to vote, they let us down—not once but twice. I’ve been here for over 15 years, and if there’s one thing I know, it’s that political signs are symbols without weight.

In every election, I’ve talked with White women. Most aren’t the primary earners in their families and vote along party lines, aligning with the preferences of their fathers and husbands. These conversations reveal a reluctance to break from tradition, even when their votes affect women and certainly when their votes impact the lives of people who look like me.

The Illusion of Solidarity—Symbols Are Not Enough

On social media, I’m seeing White women posting pictures of blue bracelets to “prove” they didn’t vote for Trump. “The blue bracelets are something White women are wearing so others can see that they didn’t vote for Trump,” says Liberal Lisa from Oklahoma on X. Chile, bye. These bracelets are hollow symbols, empty gestures that mean nothing to me. An accessory to claim distance from Trump’s legacy is superficial comfort, while the choice to not stand with us in the voting booth is far more profound.

I’ve seen Black Lives Matter signs and black squares posted on Instagram to “prove” support for Black people, but we now know that was a lie, too. Will those same people who claimed Black lives mattered now take down their Harris-Walz signs and show their true selves?

Navigating these truths is a daily struggle for me—professionally and socially. White women often misuse their privilege, supporting us only when it’s convenient. Seeing overqualified Black women sabotaged or abandoned by White women at critical moments is a constant emotional challenge. It’s exhausting to live with this reality, especially when solidarity seems like something they pick up and discard at will.

One clever campaign ad from Harris-Walz that spoke directly to White women. “Your Vote, Your Choice” emphasized that their vote was private—independent of their household situation. Another was from Olivia Howell Dreizen, the “Vote Without Fear” campaign, which empowered women to consider the greater impact of their choices. But it seems many still couldn’t choose the roadmap to freedom—even when it was handed to them.

A Call for Action Beyond Words

White women, I want to believe you care, but actions speak louder than yard signs, bracelets, or Instagram posts. Show up in our communities, advocate in your workplaces, and stand up to dismantle the structures that uphold white supremacy. Only through real action will we know where you stand.

If you choose not to act, we see you—and we know exactly where you stand. Good luck these next four years.

Disclaimer: The views and opinions expressed in this article do not necessarily reflect the official policy or position of BlackPressUSA.com or the National Newspaper Publishers Association.

Oakland Post

Posts by Oakland Post

#NNPA BlackPress

Supernova Parenting Conference Empowers Over 100 Parents with Resources for Neurodivergence and Mental Health

The inaugural Supernova Parenting Conference was co-hosted by Natasha Nelson, known as Supernova Momma, and Yolanda Walker, founder of Parenting Decolonized. It brought together over 100 parents, caregivers, and educators dedicated to fostering understanding and support for neurodivergent children and mental health challenges. The conference provided invaluable resources, expert insights, and a collaborative space for […]

Published

1 week ago

November 7, 2024

BlackPressUSA.com

The event featured a variety of workshops, panel discussions, and keynote speeches from leading experts in neurodiversity and mental health. Attendees left with practical tools and strategies to enhance their parenting journeys, emphasizing the importance of understanding and supporting the unique needs of neurodivergent children.

“While the conference was a tremendous success, we believe that our work doesn’t end here,” said Natasha Nelson. “It’s crucial to continue providing ongoing support and resources for parents as they navigate this important journey. We want to ensure families can access the tools they need long after the conference.”

To extend the momentum generated at the conference, Natasha and Yolanda are excited to announce the launch of the Supernova Parenting Community. This membership-based initiative aims to offer a safe and supportive environment for parents and caregivers to continue their growth as conscious parents.

Membership is available for as little as $5 a month via Patreon, making it accessible for all families seeking support.

“We know that parenting can be a challenging journey, especially when navigating neurodivergence and mental health issues,” Yolanda Walker added. “Our goal is to build a community where parents feel seen, heard, and supported. We hope you’ll join us in this vital work.”

For more information about the Supernova Parenting Community and to sign up for membership, please visit supernovaparenting.org