Health

Cool Reception for New Sign-Up Window Under Health Care Law

Published

10 years ago

March 14, 2015

In his Nov. 12, 2014 file photo, the HealthCare.gov website, where people can buy health insurance, on a laptop screen, shown in Portland, Ore. Being uninsured in America will cost you more in 2015. In 2015, all taxpayers have to report to the Internal Revenue Service for the first time whether or not they had health insurance the previous year. Most will check a box. Its also when the IRS starts collecting fines from some uninsured people, and deciding if others qualify for exemptions. (AP Photo/Don Ryan, File)

In his Nov. 12, 2014 file photo, the HealthCare.gov website, where people can buy health insurance, on a laptop screen, shown in Portland, Ore. (AP Photo/Don Ryan, File)

Ricardo Alonso-Zaldivar, ASSOCIATED PRESS

WASHINGTON (AP) — Several million people hit with new federal fines for going without health insurance will get a second chance to sign up starting Sunday, and that could ease the sting of rising penalties for being uninsured.

But as the enrollment window reopens, it’s unclear how many know about the time-limited opportunity, let alone will take advantage of it.

Fines payable to the IRS are the stick behind the offer of taxpayer-subsidized private insurance under President Barack Obama’s health care law. Virtually everyone in the country is now required to have coverage through an employer or a government program, or by buying individual policies.

This is the first year fines are being collected from uninsured people the government deems able to afford coverage. Tax preparation company H&R Block says the penalty averages about $170 among its affected customers. It usually is deducted from a person’s tax refund.

Those penalized are mainly the kind of people the law was intended to help: low- and middle-income workers who do not have coverage on the job or are self-employed. Roughly 4 million people are expected to pay fines, according to congressional estimates. Many more will qualify for exemptions.

Travel agent Charles Baxter of Phoenix said his tax refund was reduced by $247 for being uninsured in 2014. He had not heard about the second chance to sign up for 2015 coverage.

Baxter says he will take another look now, but is not sure whether he will opt to buy insurance. Much of his income goes to help take care of his mother, who has health problems.

“I may have to see if any of the health care costs have changed, to where I might be able to squeeze it in,” he said. “But so far, it’s not looking like it.”

Baxter supports the overall goals of the health law, but says the government should also look at someone’s expenses — not just income — before assessing the fine.

Penalties for being uninsured are going up this year, to a minimum of $325 for the full 12 months. That’s a significant increase from the $95 minimum in 2014.

The new sign-up opportunity runs through April 30. To qualify, individuals have to certify to the government that they meet certain conditions, including:

—They did not know or understand that they were legally required to have coverage until after open enrollment officially ended Feb. 15.

—They owed a penalty for being uninsured in 2014.

Those requirements are for the 37 states served by the federal HealthCare.gov website. States running their own insurance exchanges may have different rules and deadlines. Penalties for 2014 are not refundable.

The Obama administration acted after Democratic lawmakers raised concerns. With open enrollment officially over, someone who was uninsured and filed a tax return after Feb. 15 would not have been able to get coverage for 2015. That person would owe the penalty for 2014 and could get locked into a bigger fine for 2015.

“Most people can assume that whatever they paid this year, next year they will pay twice that much or more,” said Rep. Lloyd Doggett, D-Texas. “Why pay what is in essence a penalty, when you can be applying those dollars to protect your family?”

The administration is publicizing the special sign-up period as tax filing season continues. For customers who paid a fine, major tax preparation companies are notifying them about the second chance to get coverage.

Tax preparers and some public policy experts have urged the government to move the health care law’s sign-up period so it dovetails with tax-filing season. People expecting a refund might be willing to spend some of it on health insurance.

Mark Ciaramitaro, vice president of health care services at H&R Block, said the penalty is definitely getting taxpayers’ attention. “It’s a surprise,” he said. “For some people, it’s having significant effects.”

Cari Gerrits of Atlanta was uninsured for part of last year when she was between jobs, and her penalty ended up being $191. She has coverage now through her job in marketing and business development for an engineering company.

“I’m supportive of having a baseline of care for everybody,” she said. “But the marrying of a very complicated medical law with an already confusing tax law has probably not made it as popular as it could be.”

Jesse Bracewell of Huntsville, Alabama, was uninsured last year because he could not fit premiums into his budget as a college student finishing an engineering degree. He paid a penalty of $95. This year, he signed up to avoid rising fines.

“That penalty set me back about three weeks’ worth of gas,” Bracewell said.

___

Associated Press Social Media Editor Eric Carvin contributed to this report.

___

Online: https://www.healthcare.gov/
Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

###

Oakland Post

Posts by Oakland Post

Up Next

Homeopathy Ineffective for Treating Any Health Condition, Meta-Study Finds

Don't Miss

Is World Without Tobacco By 2040 a Pipe Dream?

Oakland Post

Click to comment

California Black Media

Gov. Newsom Goes to Washington to Advocate for California Priorities

Gov. Gavin Newsom traveled to Washington, D.C., for meetings with senior Biden-Harris Administration officials and members of California’s congressional delegation. During the week, he pushed for increased resources to improve public safety and quality of life in California.

Published

1 week ago

November 26, 2024

Oakland Post

Gov. Newsom visits the White House on Nov. 14. Photo courtesy of Gov.Ca. Gov

By Bo Tefu, California Black Media

Gov. Gavin Newsom traveled to Washington, D.C., for meetings with senior Biden-Harris Administration officials and members of California’s congressional delegation.

During the week, he pushed for increased resources to improve public safety and quality of life in California.

“California is continuing our work to secure additional tools and resources to improve access to health care, clean air and water, and secure critical funding to support communities recovering from disasters,” said Newsom.

At the White House, Newsom met with President Joe Biden and key officials, advocating for disaster relief funding, healthcare expansion, and environmental protection. He also engaged in discussions with senior Biden-Harris officials, including Interior Secretary Deb Haaland, to address water quality improvements and the San Luis Dam project, which will support water supplies for two million Californians.

“Building on our strong partnership with the Biden-Harris Administration, California is working closely with the White House over the next two months to deliver the critical protections and resources our communities need,” Newsom said.

On Capitol Hill, Newsom met with California Senators Alex Padilla and Adam Schiff, along with other Congressional leaders, to emphasize the need to approve pending disaster funding, healthcare programs, and environmental protections. He also previewed California’s upcoming special session to proactively address potential federal challenges when President-elect Donald Trump is sworn into office.

Newsom’s discussions also focused on securing Medicaid waivers from the Center for Medicare & Medicaid Services (CMS) to enhance behavioral health services and reduce homelessness. The state seeks approval for the BH-CONNECT waiver, which would address behavioral health and homelessness, and the MCO Tax Waiver, which would provide over $20 billion for Medi-Cal to improve healthcare access.

Additionally, California is pushing for Clean Air Act waivers from the U.S. Environmental Protection Agency (EPA), which are crucial for enforcing air quality regulations. These measures are projected to prevent 11,000 premature deaths and provide $116 billion in health benefits over the next three decades, according to the Governor’s office.

Oakland Post

Posts by Oakland Post

California Black Media

California Reports First Case of Mpox in the United States

On Nov. 16, the California Department of Public Health (CDPH), reported the first known case of clade 1 Mpox, previously known as Monkeypox, in the United States. However, the risk to the public remains low, according to the CDPH.

Published

1 week ago

November 26, 2024

Oakland Post

iStock

By Bo Tefu, California Black Media

On Nov. 16, the California Department of Public Health (CDPH), reported the first known case of clade 1 Mpox, previously known as Monkeypox, in the United States.

However, the risk to the public remains low, according to the CDPH.

“This case was confirmed in an individual who recently traveled from Africa and is related to the ongoing outbreak of clade I mpox in Central and Eastern Africa,” reads a statement the CDPH released.

According to the DDPH, “The affected individual received health care in San Mateo County based on their travel history and symptoms. The individual is isolating at home and recovering.”

Public health workers are also conducting a contact tracing exercise and reaching out to people who have been in close proximity to the affected person.

“The mpox specimens from the traveler are being sent to the CDC for further laboratory testing,” the CDPH press release continues.

Californians can take a number of steps to prevent Mpox. Here’s more information:

Preventing Mpox Infection

It appears clade I mpox spreads in a similar manner as clade II mpox, through close (skin-skin), intimate and sexual contact. The identification of a potentially more severe mpox version in the United States is a good reminder for individuals who have certain risk factors to take preventive action, including:

Getting vaccinated if you may be at risk for mpox. For the greatest protection, make sure you get both doses of the vaccine. Find mpox vaccine (JYNNEOS) near you.
Taking precautions if you were exposed to mpox. Get the mpox vaccine before symptoms develop and consider avoiding intimate contact with others for 21 days. Watch yourself for symptoms and get tested if they develop.
Preventing spread if you have been told you have mpox. Avoid contact with others until the rash is healed, clean and disinfect shared areas in the home, and notify people who may have been exposed.
Talking to your sexual partner(s).
Avoiding skin-to-skin contact with those who have a rash or sores that look like mpox.
Not sharing items with someone who has mpox.
Washing your hands often.
Protecting yourself when caring for someone with mpox by using masks, gowns and gloves.

Visit the CDPH website to learn more about Mpox with Sexual Health Toolkits and a Campaign Materials Page.

Oakland Post

Posts by Oakland Post

California Black Media

California Department of Aging Offers Free Resources for Family Caregivers in November

In honor of National Family Caregivers Month this November, the California Department of Aging (CDA) is spotlighting a range of free resources to support caregivers of older adults and individuals with disabilities. Through its extensive network of Caregiver Resource Centers (CRCs) and Area Agencies on Aging (AAAs), the state provides essential tools to help caregivers manage their responsibilities while prioritizing their own health and well-being.

Published

1 week ago

November 26, 2024

Oakland Post

iStock

By Bo Tefu, California Black Media

“Caregiving is a great act of love, and this month — and every day — we uplift California’s caregivers as the under-recognized backbone of our families and communities,” said Susan DeMarois, director of the CDA. DeMarois emphasized the need for caregivers to access available support to better balance their roles without compromising their own health.

California is home to more than 4.5 million unpaid family caregivers, who contribute an estimated $81 billion annually in economic value through their care. Most caregivers are women who balance work, family, and caregiving responsibilities, often at the cost of their physical and emotional health. Given California’s aging population, the demand for caregiver support is rapidly growing, underscoring the importance of these free resources.

Thousands of caregivers accessed these services in the 2022-2023 fiscal year, benefiting from tools like professional care management and respite support. The Aging in California Resource Guide, available in six languages, offers additional information on caregiver support.

Caregivers can learn more about available resources by visiting the CDA website at aging.ca.gov and connecting with local CRCs or AAAs to discover personalized services to support them in their caregiving journey.