The Healthy & Young take good health for granted, are tech-savvy, and have “low motivation to enroll.” The Sick, Active & Worried are mostly Generation X and baby boomers, active seekers of health care information and worried about costs. The Passive & Unengaged group is mostly 49 and older, “lives for today,” and doesn’t understand much about health insurance.
The challenge for the administration is obvious: signing up lots of the Healthy & Young, as well as the Passive & Unengaged, to offset the higher costs of covering the Sick & Worried.
Uninsured middle-class Americans will be able to sign up for subsidized private health plans through new insurance markets in their states starting Oct.1. Low-income uninsured people will be steered to safety net programs like Medicaid.
“The goal here is to get as many people enrolled as possible,” Gary Cohen, the HHS official overseeing the rollout of the law, told insurers at a recent industry conference. Partly for that reason the first open enrollment period will continue until March 31, 2014.
Coverage under the law takes effect Jan. 1. That’s also when the legal requirement that most Americans carry health insurance goes into force. Insurance companies will be barred from turning the sick away or charging them more.
The new law is mainly geared to the uninsured and to people who buy coverage directly from insurance companies. Most Americans in employer plans are not expected to see major changes.
Administration officials say they see an opportunity to change the national debate about health care. They want to get away from shouting matches about the role of government and start millions of practical conversations about new benefits that can help families and individuals.
The HHS marketing materials reveal some barriers to getting the uninsured to embrace the law.
The Healthy & Young lead busy lives and tend to be procrastinators. Plus, why would they need health insurance if they’re full of vigor? The Passive & Unengaged fear the unknown and have difficulty navigating the health care system. The Sick, Active & Worried dread making wrong decisions.
Marketing for the new system will start this summer, going into high gear during the fall after premiums and other plan information becomes public.