3. The problems with auto-enrollment
In the absence of an individual mandate, auto-enrollment has gotten some attention as a way to get more healthy people into the individual insurance market. After all, it worked for 401(k) contributions. And the idea got a bipartisan shout-out yesterday on the Health Affairs blog.
The potential: In Maryland alone, roughly 100,000 uninsured people are eligible for coverage under the ACA that would be fully subsidized — their monthly premium payments would be $0, according to the Health Affairs piece.
The catch: It’s a lot harder to figure out the right health plan in which to automatically enroll people. And because the ACA’s subsidies are calculated using federal tax returns, states don’t always have the data they’d need to make such a system work smoothly.