Be Sure to Thank Sen. Dean Heller for NO Health Insurance Choices

— by Anjeanette Damon

News has broken that Anthem will stop offering health plans under the Affordable Care Act in nearly all of Nevada’s rural counties, specifically blaming the uncertainty caused by the Republican health care plan in the U.S. Senate. Roughly 8,000 rural Nevadans will lose their access to insurance, with no alternatives to buy a different plan on the exchange. Prominence also decided to pull out of the state’s exchange entirely.

From Stewart Boss, Nevada State Democratic Party spokesperson: “Nevada families are already feeling the harmful effects of the Republican health care agenda in Washington, and Senator Heller – who has voted 20 times to repeal or undermine the Affordable Care Act – is a major part of the problem. The uncertainty and instability caused by Dean Heller and Senate Republicans continuing their efforts to pass their toxic health care plan, combined with the GOP’s efforts to disrupt the exchanges, is now creating havoc in Nevada’s rural counties. The thousands of Nevadans who will lose their health care plans or lose access to health insurance through the exchange have Dean Heller and Donald Trump to blame for this turmoil.”

Reno Gazette-Journal: BREAKING: Rural Nevada to lose all Obamacare plans next year

The Marketplace is now OPEN!

If you signed up for Marketplace insurance last time – we encourage you to come back, update your application, compare your plans, choose the option that makes the most sense for your financial and health needs and enroll. The deadline to complete these steps is December 15, 2014.

If you’re shopping for Marketplace coverage for the first time – Open Enrollment to sign up for an affordable health plan runs now through February 15th. Your coverage can start as soon as January 1st if you sign up by December 15, 2014.

Over the past few months, we’ve been working hard to lay the groundwork for a successful Open Enrollment. We’re committed to giving you the very best consumer experience.

Join the millions of Americans who now have access to quality, affordable coverage: sign up today! 

-Secretary Burwell

P.S. — If you live in Idaho, Nevada, or Oregon, your process for 2015 enrollment has changed from last year. Learn about these changes in your state.

For information on resources available in your state, or to make changes to your 2014 coverage, visit the Nevada Health Link website. Your 2014 coverage ends December 31, 2014, no matter when you enrolled or update your information.

New for 2015: Beginning November 15, Small Business owners can use to apply for SHOP coverage.

Letting Employers Off the Hook

— by Rich Dunn, NVRDC 2nd Vice Chairman

H.R. 2575, the “Save American Workers Act” (which is a bill, not an act), would change the definition of “full time” under the ACA from 30 to 40 hours, allowing employers to evade the health care mandate entirely simply by lowering hours worked to 39½. Needless to say, this bill has zero chance of ever becoming law while Barack Obama is president.

H. R. 2575:  To amend the Internal Revenue Code of 1986 to repeal the 30-hour threshold for classification as a full-time employee for purposes of the employer mandate in the Patient Protection and Affordable Care Act and replace it with 40 hours.
1. Short title
This Act may be cited as the Save American Workers Act of 2014.
2. Repeal of 30-hour threshold for classification as full-time employee for purposes of the employer mandate in the Patient Protection and Affordable Care Act and replacement with 40 hours
(a) Full-Time equivalents
Paragraph (2) of section 4980H(c) of the Internal Revenue Code of 1986 is amended—
(1) by repealing subparagraph (E), and
(2) by inserting after subparagraph (D), the following new subparagraph:
(E) Full-time equivalents treated as full-time employees
Solely for purposes of determining whether an employer is an applicable large employer under this paragraph, an employer shall, in addition to the number of full-time employees for any month otherwise determined, include for such month a number of full-time employees determined by dividing the aggregate number of hours of service of employees who are not full-time employees for the month by 174.
(b) Full-Time employees
Paragraph (4) of section 4980H(c) of the Internal Revenue Code of 1986 is amended—
(1) by repealing subparagraph (A), and
(2) by inserting before subparagraph (B), the following new subparagraph:
(A) In general
The term full-time employee means, with respect to any month, an employee who is employed on average at least 40 hours of service per week.
(c) Effective date
The amendments made by this section shall apply to months beginning after December 31, 2013.
Passed the House of Representatives April 3, 2014.

It’s not clear that this bill would necessarily make a lot of difference in the real world, since 98% of large employers already provided health coverage to their full time employees before the ACA imposed the mandate, but it has become so expensive that if one company did it, others might follow to stay competitive.

But even without this change, some companies might decide to just pay the penalty and dump their employees on the exchange, where the subsidies would (like food stamps) amount to just another layer of corporate welfare. The penalty (around $2,000 per employee) is far lower than the cost of health care (around $10,000 per employee).

To keep their employees whole, companies dropping health coverage could increase wages by the amount of their subsidized exchange premiums. Or even a little more. In that scenario, both the employer and the employee would come out ahead, but exchange premiums would inevitably rise to pay for the subsidies. This is an inherent flaw in the ACA. Employer penalties are way too low.

On April 3rd, H.R. 2575 (raising the “full time” threshold to 40 hours) passed House 248 to 179, with these 17 “Republicrats” voting Aye:

Aye   D   Barber, Ron AZ 2nd
Aye   D   Sinema, Kyrsten AZ 9th
Aye   D   Bera, Ami CA 7th
Aye   D   Costa, Jim CA 16th
Aye   D   Murphy, Patrick FL 18th
Aye   D   Bishop, Sanford GA 2nd
Aye   D   Barrow, John GA 12th
Aye   D   Lipinski, Daniel IL 3rd
Aye   D   Schneider, Bradley IL 10th
Aye   D   Delaney, John MD 6th
Aye   D   Peterson, Collin MN 7th
Aye   D   McIntyre, Mike NC 7th
Aye   D   Schrader, Kurt OR 5th
Aye   D   Gallego, Pete TX 23rd
Aye   D   Cuellar, Henry TX 28th
Aye   D   Matheson, Jim UT 4th
Aye   D   Rahall, Nick WV 3rd

ACA: Still Enrolling for Health Insurance through March

There are still 45 days for Nevadans to enroll in affordable health coverage through our state’s new insurance marketplace, the Nevada Health Link.

As the final deadline approaches, we anticipate being as busy as ever. Ramirez Group Enrollment Assisters are enrolling people at locations ​throughout the state during the week, and hosting enrollment fairs during the weekends at Nevada JobConnect offices.

If you or anyone you know hasn’t enrolled in health insurance yet, give us a call at 702.530.5249.

Nearly 2.2 million Americans selected plans in the Health Insurance Marketplace from October through December

Thirty percent of those who selected plans were under age 35

Nearly 2.2 million people have selected plans from the state and federal marketplaces by Dec. 28, 2013 (the end of third reporting period for open enrollment), Health and Human Services Secretary Kathleen Sebelius announced today.

A new HHS report provides the first demographic information about enrollees. December alone accounted for nearly 1.8 million enrollees in state and federal marketplaces. Enrollment in the federal Marketplace in December was seven-fold greater than the combined total for October and November – and eight-fold greater for young adults ages 18 to 34.

“Americans are finding quality affordable coverage in the Marketplace, and best of all, because coverage began on New Year’s Day, the promise and hope of the Affordable Care Act is now a reality,” Secretary Sebelius said. “Our outreach efforts have ramped up, so whether it’s through public service announcements, events, our champions or other means, we are doing all we can to find, inform and enroll those who can benefit from the Marketplace.  There is still plenty of time for you and your family to sign up in a private plan of your choice, so visit to learn more and sign up now.”

Key findings from today’s report include:

  • Nearly 2.2 million (2,153,421) people selected Marketplace plans from Oct. 1 through Dec. 28, 2013
  • These signups in the state and federal marketplaces represent a nearly five-fold increase from October-November, including nearly 1.8 million (1,788,739) people who selected a plan in December (compared with the previous two-month cumulative total of 364,682 through Nov. 30, 2013).
  • Of the almost 2.2. million:
    • 54 percent are female and 46 percent are male;
    • 30 percent are age 34 and under;
    • 24 percent are between the ages of 18 and 34, and;
    • 60 percent selected a Silver plan, while 20 percent selected a Bronze plan; and
    • 79 percent selected a plan with Financial Assistance.

Today’s report also details state-by-state information where available.  In some cases, only partial datasets were available for state marketplaces.

The report features cumulative data for the three-month period because some people apply, shop, and select a plan across monthly reporting periods.  Enrollment is measured as those who selected a plan.

To read the report visit:

To hear stories of Americans enrolling in the Marketplace visit: