Merry Christmas from the Health Connector: Your Commonwealth Choice Policy is Cancelled

 “But ever since the law was passed, if insurers decided to downgrade or cancel these substandard plans, what we said under the law is you’ve got to replace them with quality, comprehensive coverage  — because that, too, was a central premise of the Affordable Care Act from the very beginning.” – President Barack Obama

Just in time for Christmas, thousands of Bay State residents are getting insurance cancellation letters in the mail from the Massachusetts Health Connector Authority.  Red Mass Group has been sent a copy of the letter from a concerned Commonwealth Choice – unsubsidized plan – customer.  The letters state that the plan ending on March 31, 2014 must be chosen and paid for by March 24, 2013.

Red Mass Group has asked the Health Connector Authority for the number of unsubsidized Commonwealth Choice plans ending each month for the next three months.  The data has not yet been provided, however as of March 2013, there were 40,000 Commonwealth Choice paid customers.  Given that the open enrollment period for the program ended in the past few years in March, it is safe to assume that most of the policies will end in March.

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Three months may seem like a long time, remember though that the people who are in jeopardy of losing their insurance on Monday December 23, 2013 if they are not able to select and pay for a plan had the exact same amount of time to do this.  And that was only around 1000 people according to the Connector with Commonwealth Choice.  It is safe to ask if the website will be working by March 24, 2014 for the tens of thousands who will need it.

While the rest of the Commonwealth is basking in the glow of the season, the Connector just dumped buckets of coal on the laps of thousands of our fellow citizens.

About Rob "EaBo Clipper" Eno

  • If you work for a company and your insurance renewed April 1st, your employer tells you the new deduction.   You don’t have to submit a new enrollment card.  The same applies with your car or auto insurance.  You get a letter in the mail with the renewal premiums, not a letter saying you need to apply to renew.

    The Connector Authority is handling their renewal for Commonwealth Choice subscribers the completely opposite?  This letter really is not a cancellation but that you need to re-enroll and pay your first premium by March 24th to have coverage for your renewal April 1st.  Why not just send a letter telling people:

    • Their new premium April 1, 2014

    • Let the subscriber know that they can look at other options during the open enrollment period on-line

    • Deadline is March 24th

    There are going to be a lot of people , who will not realize that they have to re-enroll to keep the very same plane that they already have.  By the time they do, they will be past the open enrollment period and not be able to obtain health insurance.

    It makes absolutely no sense to handle the renewal like this.

    Bill Randell