Let’s say that you have an Obamacare plan. Let’s say that you like it. Let’s say that you want to keep it. Let’s say that open enrollment comes around, and you do nothing, because you think that you don’t have to–since everything is fine, and you have a plan, and you want to keep it, after all.
Here’s a Friday Obamacare news-dump for you: In a 300-page regulatory proposal released late this afternoon, the Department of Health and Human Services announced that it is considering changing Obamacare’s auto-renewal rules so that, within the health law’s exchanges, instead of being automatically renewed into your current health plan, you’d be moved into the lowest cost plan from the same service tier.
[. . .]
States running their own exchanges could start doing this in 2016, and federal exchanges could start in 2017.
It’s not just auto-reenrollment. It’s auto-reassignment, at least for those who pick that option. Basically, if you like your plan, but don’t go out of your way to intentionally re-enroll, the kind and wise folks at HHS or state health exchanges might just pick a new plan—perhaps with different doctors, clinics, cost structures, and benefit options—for you. And if you want to switch back? Good luck once open enrollment is closed. There’s always next year.
A hassle? Maybe. But have faith: They know what’s best.
Remember how we’ve been hearing that there are no more administrative problems with Obamacare, that everything is fine, and that concerns regarding how the program has been run are completely overblown? Yeah, those reassurances sound pretty funny now, don’t they?