At a time when Americans need affordable health insurance the most, Donald Trump is asking the Supreme Court one week after Election Day to take health insurance away from more than 20 million Americans and eliminate the financial assistance and the consumer protections provided by the Affordable Care Act. Republicans in the Senate have just put an anti-ACA Justice on the court. In the four years since Donald Trump took office, he has relentlessly attacked the Affordable Care Act, resulting in millions of Americans losing insurance coverage. Now, as our nation faces the worst public health crisis in a century, President Trump is continuing to block Americans from getting the health care they need by once again making it more difficult for Americans to sign up for coverage during the ACA’s Open Enrollment Period, which begins on November 1. He has slashed funding for groups that help people sign up for health care and removed information on applying for coverage from HealthCare.gov, all while more than 14 million people have lost their employer sponsored health care coverage due to the coronavirus pandemic. From trying to completely overturn the ACA to creating uncertainty around the law and making it harder to sign up for coverage, President Trump’s health care sabotage agenda has been a total disaster for Americans.
Even As Millions Lost Coverage As A Result Of The Pandemic, President Trump Refused To Open A Special Enrollment Period. Research has shown that more than 14 million people could have lost employer-sponsored health coverage as a result of the pandemic. Yet the Trump administration refused to reopen the federal marketplaces to allow people to more easily enroll in coverage. President Trump’s refusal to create a special enrollment period ignored calls from experts who argued it would slow the spread of the virus and save American lives. By refusing to open a SEP, President Trump could have blocked millions from gaining coverage. Now, during regular open enrollment, it could be the first time millions have an opportunity to purchase health insurance as the nation continues to battle the coronavirus crisis.
The Trump Administration Removed Information On Applying For Coverage From HealthCare.gov. The Trump Administration overhauled the “Apply for Health Insurance” section of HealthCare.gov, removing the options of signing up for coverage via mail and phone and directing people to sign up for coverage through enrollment sites run by private companies.
Between 2016 And 2020, The Trump Administration Cut Funding For Groups That Help People Sign Up For Coverage By 90 Percent. After cutting funding for navigator groups that help people sign up for coverage from $63 million in 2016 to $36 million in 2017, the Trump Administration made yet another round of cuts in 2018, leaving just $10 million in funding for health navigator groups in 2019 and 2020. Since 2016, Trump has cut navigator funding by 90 percent.
- Health Navigators, Like Jodi Ray At The University Of South Florida, Say Cuts To Navigator Programs Prevent Them From Adequately Letting People Know That Open Enrollment Is Happening. Ray said, “We don’t have the people to provide the enrollment assistance nor to do the outreach and marketing to let people know what’s happening.”
This Year, Six States Have Extensive Areas Where No Navigators Provide In-person Service. In 2020, six states – Illinois, Kansas, Michigan, Nebraska, Ohio, and Texas – have extensive areas where no Navigators provide in-person service. In many other states where the federal Navigators’ service area is statewide, funding reductions mean that only phone or on-line help can be offered in some areas where in-person help was once available.
The Trump Administration Cut The Open Enrollment Period In Half. Starting in 2017, the Trump administration halved the duration of the open enrollment period, reducing the time consumers have to enroll annually from three months to only 45 days for states reliant on the HealthCare.gov portal.
The Trump Administration Wants Navigator Groups To Push Consumers To Sign Up For Junk Coverage That Is Exempt From Covering Prescription Drugs And Hospitalization Instead Of Comprehensive Plans. The Administration encourages navigator groups to use their remaining funding to push consumers to sign up for junk health plans, which do not need to cover pre-existing conditions and cover few benefits. They are also notorious for the fraud they attract. Junk plans are particularly dangerous during the coronavirus crisis: One analysis found widespread misleading marketing of short-term plans during the pandemic. Reports have already shown that patients covered by these plans have been left with thousands of dollars in medical bills for seeking treatment for coronavirus symptoms.
A full timeline of the Trump Administration’s crusade to sabotage open enrollment is below:
- CMS proposes ending automatic re-enrollment for certain low-income ACA exchange enrollees, meaning that those who pay $0 in premiums with the help of tax credits would have to actively update their application during open enrollment or risk losing this essential financial assistance.
- Reports surface of website glitches during the final day of open enrollment. This is the second known widespread technical problem during the 2020 open enrollment period, with the first preventing an estimated 100,000 people from signing up. After facing public pressure from lawmakers and patient advocates, CMS extended the enrollment deadline, however CMS Administrator Seema Verma did not specify how the agency would ensure the extension was communicated to the public.
- Sunlight Foundation investigation finds that Trump Administration removed information about ways to apply for coverage on HealthCare.Gov and is directing people to sign up for coverage through enrollment sites run by for-profit companies.
- The Trump Administration issues guidance that allows federal subsidies to be used to purchase junk plans that can deny coverage to people with pre-existing conditions, a move expected to worsen ACA risk pools.
- Trump Administration announces scheduled maintenance on the open enrollment website, preventing people from signing up for coverage on Sundays from 12:00 AM – 12:00 PM.
- Centers for Medicare and Medicaid Services removes a training guide for Latino outreach from a CMS website just over a month before the beginning of open enrollment. Latinos are at a disproportionately high risk of being uninsured compared to white non-hispanic Americans.
- Trump Administration finalizes rule for bare-bones short-term plans that are exempt from key consumer protections, such as the requirement that insurance covers prescription drugs, maternity care, and hospitalization.
- Trump Administration slashes funding for non-profit health navigator groups that help people shop for coverage, from $36 million to $10 million. CMS encourages groups to use the remaining funds to push people to sign up for junk plans that skirt important consumer protections.
- Trump Administration limits access to assistance for consumers who want to enroll in marketplace coverage. This change removes the requirement that every area has at least two “navigator” groups to provide consumer assistance and that one be local. Now, just one group could cover entire states or groups of states.
- Congressional Republicans pass their tax scam, which doubles as a sneaky repeal of the Affordable Care Act by kicking 13 million people off of their insurance and raising premiums by double digits for millions more.
- The Trump Administration dramatically cuts in-person assistance to help people sign up for 2018 health coverage.
- The Administration orders the Department of Health and Human Services’ regional directors to stop participating in Open Enrollment events. Mississippi Health Advocacy Program Executive Director Roy Mitchell says, “I didn’t call it sabotage…But that’s what it is.”
- The Administration cuts the outreach advertising budget for Open Enrollment by 90 percent, from $100 million to just $10 million – which resulted in as many as 1.1 million fewer people getting covered. Emails obtained by Democracy Forward reveal that the administration chose to cut outreach despite having been warned that over 100,000 fewer people would enroll in coverage.
- The Trump Administration uses funding intended to support health insurance enrollment to launch a multimedia propaganda campaign against the Affordable Care Act.
- The Trump Administration cuts the number of days people could sign up for coverage during open enrollment by half, from 90 days to 45 days.
- Also on January 20th, the Department of Health and Human Services begins to remove information on how to sign up for the Affordable Care Act.
- The Trump Administration pulls funding for outreach and advertising for the final days of 2017 enrollment. This move is estimated to have reduced enrollment by nearly 500,000.