Pollcy 8rlef No.±: HeulLh lnsurunce Lxchunges | Muy zo±¸
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How Wi|| Hea|th Insurance Exchanges Reach Our Nation's Racia||y and Ethnica||y Oiverse Communities?
Source: kalser lamlly loundaLlon, A ltoflle of neoltb losotooce íxcbooqe íotollees, March 2011. Cne of Lhe cenLerpleces of Lhe Affordable Care AcL of 2010 (ACA) ls Lhe creaLlon of Affordable PealLh lnsurance Lxchanges-also called ºMarkeLplaces"- whlch wlll offer access Lo healLh lnsurance for mllllons of people ln Lhe unlLed SLaLes sLarLlng on !anuary 1, 2014. 1he exchanges wlll offer a cholce of easlly comparable lnsurance plans Lo lndlvlduals and small buslnesses. 1hey wlll also subsldlze lnsurance premlums for low-lncome lndlvlduals and famllles who quallfy. 1he exchanges wlll also educaLe consumers, asslsL Lhem wlLh deLermlnlng ellglblllLy for publlc and prlvaLe healLh lnsurance, and provlde an elecLronlc sysLem for enrollmenL. Cne key Lo Lhe effecLlveness and success of Lhe exchanges wlll be Lhe ablllLy Lo reach all consumers-lncludlng Lhose from dlverse raclal and eLhnlc herlLage-Lo ensure Lhey undersLand and can navlgaLe Lhe process of chooslng a plan and becomlng lnsured. Why Address Language, Cu|ture, and Oiversity in the Exchanges? Lack of healLh lnsurance ls a ma[or reason why many Afrlcan Amerlcan, Plspanlc or LaLlno, lmmlgranL, and oLher dlverse populaLlons are unable Lo access care, delay or forgo care, and ulLlmaLely face poorer healLh-lncludlng hlgher raLes of dlsease and morLallLy. 8arrlers Lo obLalnlng coverage for Lhese populaLlons ofLen lnclude llmlLed Lngllsh proflclency, culLural dlfferences, lack of LrusL, and low llLeracy, among oLher facLors. Lnsurlng dlverse lndlvlduals and famllles galn lnsurance coverage ls crlLlcal Lo lmprovlng noL only Lhelr overall healLh and well-belng, buL LhaL of Lhe enLlre naLlon. 1hls prlorlLy ls also crlLlcal Lo reduclng medlcal errors, lmprovlng quallLy, and reduclng unnecessary medlcal cosLs. An esLlmaLed 24 mllllon people wlll be ellglble for lndlvldual lnsurance Lhrough Lhe exchanges. AbouL 42° (or over 10 mllllon) of Lhese people wlll be Afrlcan Amerlcan, Plspanlc or LaLlno, or from anoLher non-WhlLe raclal and eLhnlc group (llgure 1). nearly one ln four wlll speak a language oLher Lhan Lngllsh aL home.
How Ooes the ACA Address Language and Cu|tura| Oiversity in the Exchanges? 1he ACA lncludes aL leasL 7 provlslons Lo ensure LhaL Lhe exchanges, and healLh plans offered Lhrough Lhem, wlll reach raclally and eLhnlcally dlverse populaLlons ln markeLlng, educaLlon, and ouLreach. ln general, Lhese provlslons focus on ensurlng language access (such as LranslaLlon servlces, lnLerpreLaLlon, and mulLl-llngual lnformaLlon), culLurally approprlaLe ouLreach and educaLlon, and non-dlscrlmlnaLlon. lollowlng ls a summary of Lhese 7 requlremenLs, lncludlng lnformaLlon on accompanylng federal rules and guldance LhaL have been lssued Lo daLe: S8¼ 11¼ 2S¼ 6¼ WhlLe 8lack or Afrlcan Amerlcan Plspanlc or LaLlno CLher Figure ±. Pro|ected Percent of Hea|th Insurance Exchange Enro||ees by Race and Ethnicity 1le AffotJable Cate Act 8 Rac|al aoJ ltlo|c lealtl lqo|ty Set|es Pollcy 8rlef No.±: HeulLh lnsurunce Lxchunges | Muy zo±¸
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Noviqotor Proqrom in £xchonqes. Lxchanges are requlred Lo have a navlgaLor Þrogram Lo asslsL consumers enrolllng ln coverage and provlde culLurally and llngulsLlcally Lallored and approprlaLe lnformaLlon, lncludlng meeLlng Lhe needs of Lhose wlLh llmlLed Lngllsh proflclency. Lxchanges musL develop Lralnlng sLandards Lo assure navlgaLors are quallfled Lo asslsL underserved populaLlons ln deLermlnlng ellglblllLy and Lo address language and culLural needs and preferences ln enrollmenL. 1hese sLandards also apply Lo ln-person asslsLers, a caLegory of helpers added by subsequenL federal guldance.
P/oin Lonquoqe in neo/th P/ons. PealLh plans ln Lhe exchange musL provlde enrollmenL daLa, flnanclal dlsclosures, and oLher lnformaLlon ln plaln language Lo appllcanLs, enrollees, and general publlc, lncludlng Lhose wlLh llmlLed Lngllsh proflclency.
5ummory of 8enefits ond uniform 6/ossory. lor plan years beglnnlng on or afLer SepLember 23, 2012, healLh plans musL provlde a sLandard summary of beneflLs documenL LhaL ls culLurally and llngulsLlcally approprlaLe and follows Lhe federal LemplaLe, as well as provlde a sLandard glossary of lnsurance Lerms, Lo all enrollees, employers, and oLhers who ask. PealLh plans musL provlde a summary of beneflLs ln oLher languages when 10° or more of Lhe populaLlon llvlng ln Lhe enrollee's counLy are llLeraLe only ln Lhe same non- Lngllsh language. ln 2012, 233 u.S. counLles meL Lhls Lhreshold for Spanlsh, Chlnese, 1agalog, and nava[o. c/oims 4ppeo/s Process. PealLh plans musL provlde clalms appeals noLlces Lo enrollees upon requesL ln languages oLher Lhan Lngllsh lf Lhe address Lo whlch Lhe noLlce ls senL ls locaLed ln a counLy where 10° or more of Lhe populaLlon ls llLeraLe only ln Lhe same non-Lngllsh language. ln such counLles, Lhe healLh plan musL lnclude Lagllnes ln Lhe non-Lngllsh language on how Lo access language servlces provlded by Lhe plan. ln counLles meeLlng Lhe language Lhreshold, oral language servlces (such as Lelephone hoLllnes) musL be provlded. 1hese requlremenLs Look effecL for plan years beglnnlng on or afLer !anuary 1, 2012. lncentive Poyments for keducinq uisporities. PealLh plans may reward quallLy and encourage acLlvlLles for reduclng dlsparlLles such as language servlces, communlLy ouLreach, and culLural compeLency Lralnlng. no federal guldance has been lssued on Lhls provlslon Lo daLe. kemove cost-5horinq for 4mericon lndions. Amerlcan lndlans and Alaska naLlves (Al/Ans) wlll pay no cosL-sharlng for healLh care obLalned Lhrough a healLh plan ln Lhe exchange lf Lhey have lncomes below 300° of Lhe federal poverLy level. PealLh plans are also requlred Lo provlde monLhly enrollmenL perlods (as opposed Lo annual) Lo lncrease Lhelr opporLunlLles Lo enroll. Lxchanges are requlred Lo consulL sLakeholders represenLlng Al/Ans, lncludlng lederally 8ecognlzed 1rlbes, whlch are locaLed wlLhln an exchange's geographlc area. Members of lndlan Lrlbes are also exempL from Lhe lndlvldual mandaLe and wlll lncur no penalLles for noL havlng lnsurance. Non-uiscriminotion. AnLl-dlscrlmlnaLlon laws ln Lhe Clvll 8lghLs AcL and oLher acLs are exLended Lo Lhe exchanges and healLh plans offered wlLhln Lhem. lndlvlduals are noL Lo be excluded from Lhe exchanges, denled any beneflLs, or be sub[ecLed Lo dlscrlmlnaLlon based on race, color, and naLlonal orlgln among oLher facLors. What Progress are 5tate-Based Exchanges Making?
1he 1exas PealLh lnsLlLuLe revlewed a number of leadlng sLaLe-based exchanges or markeLplaces Lo ldenLlfy promlslng pracLlces sLaLes are adopLlng Lo ensure effecLlve ouLreach and enrollmenL across dlverse communlLles. Among sLaLes lncluded ln lLs revlew were Callfornla (CA), Colorado (CC), ConnecLlcuL (C1), Maryland (Mu), new ?ork (n?), Cregon (C8), and WashlngLon (WA). lollowlng are ways ln whlch Lhese sLaLes are addresslng culLure, language, and dlverslLy. £xchonqe P/onninq ond ueve/opment. ln exchange plannlng and developmenL, Lhese 7 sLaLes are addresslng dlverslLy and equlLy beyond whaL ls requlred by Lhe ACA. lor example, Lhey are: 1le AffotJable Cate Act 8 Rac|al aoJ ltlo|c lealtl lqo|ty Set|es Pollcy 8rlef No.±: HeulLh lnsurunce Lxchunges | Muy zo±¸
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8equlrlng raclal and eLhnlc represenLaLlon on Lhe 8oard of ulrecLors (CA, CC, Mu, and C8). Lnsurlng dlverslLy and equlLy ob[ecLlves are expllclLly a parL of Lhe exchange vlslon and mlsslon (CA, C1, C8, and WA). 8equlrlng advlsory groups Lo lnclude raclal and eLhnlc represenLaLlon (CA, Mu, and C8). Lngaglng raclal and eLhnlc communlLy members, advocaLes, and oLher represenLaLlves Lo provlde lnpuL on varlous aspecLs of plannlng (all 7 sLaLes). AdopLlng a Lrlbal consulLaLlon pollcy and consulLlng federally recognlzed Lrlbes (all sLaLes excepL Mu, whlch has no federally recognlzed Lrlbes). Outreoch, £ducotion, ond £nro//ment. As requlred by Lhe ACA, Lhese sLaLes are developlng programs Lo ensure ouLreach, educaLlon, and enrollmenL processes are Lallored for raclally and eLhnlcally dlverse consumers. lor example, Lhey are: 1argeLlng Lhelr ouLreach and educaLlon for people wlLh llmlLed Lngllsh proflclency, and oLher dlverse consumer groups (all 7 sLaLes). Lnsurlng Lhelr navlgaLor or AsslsLer Þrogram asslsLs lndlvlduals from dlverse raclal, eLhnlc, and language backgrounds (all 7 sLaLes). ueveloplng navlgaLor or AsslsLer Lralnlng maLerlals on culLural and llngulsLlc compeLency (Mu and n? are leadlng, wlLh CA, CC, C1, C8, and WA maklng some progress). Other 4ctivities. 1hese 7 sLaLes are also progresslng ln ensurlng oLher aspecLs of Lhelr exchange plannlng, developmenL, and operaLlon address raclal and eLhnlc dlverslLy, such as: Þlannlng for Lhelr exchange Web porLals Lo lnclude LranslaLed maLerlals or Lagllnes wlLh access Lo language maLerlals or servlces (all 7 sLaLes). Þlannlng Lo Lake culLural compeLency measures lnLo accounL ln selecLlng quallfled healLh plans for Lhe exchange (CA). Þlannlng Lo measure dlsparlLles and dlverslLy efforLs for fuLure lmprovemenL (CA ls leadlng, wlLh CC and Mu maklng some progress). What Cha||enges Lie Ahead for Exchanges? uemandlng deadllnes, LlghL budgeLs, llmlLed resources, and lncompleLe guldance on lmplemenLaLlon are among Lhe broad challenges LhaL many exchanges may conLlnue Lo face. lor example, whlle Lhe ACA requlres Lhe esLabllshmenL of a navlgaLor program, lL does noL allow Lhe program Lo be funded Lhrough federal funds from sLaLe-based exchange esLabllshmenL granLs. SLaLes wlll need Lo flnd oLher sources Lo seL up and susLaln Lhese programs. ln reachlng dlverse communlLles, many sLaLes clLe Lhelr challenges on how Lo effecLlvely markeL Lo and educaLe lndlvlduals and famllles who may noL be famlllar wlLh healLh lnsurance, lncludlng non-Lngllsh speakers, lmmlgranLs from counLrles wlLh llLLle concepL of healLh lnsurance, and culLurally and llngulsLlcally lsolaLed famllles ln rural areas. llnally, ln many sLaLes, lnformaLlon Lechnology ls drlvlng Lhe exchange lmplemenLaLlon process more Lhan consumer needs. SLaLes wlll need Lo make a concerLed efforL Lo ensure LhaL flnanclal resources are puL Loward ensurlng Lhe exchange experlence ls accesslble Lo and Lallored for raclally, eLhnlcally, and dlverse communlLles. What Progress Are Hea|th P|ans Making? Many healLh plans have Laken sLeps Lo ensure lnformaLlon, resources, and servlces Lhey provlde are culLurally and llngulsLlcally approprlaLe. Whlle some healLh plans-such as Lhose ln Lhe naLlonal PealLh Þlan CollaboraLlve of Amerlca's PealLh lnsurance Þlans (APlÞ)-were addresslng dlverslLy and equlLy well before Lhe ACA, oLhers are only geLLlng sLarLed. Cenerally, glven Lhe need Lo ensure regulaLory compllance, healLh plans have been swlfL Lo respond Lo Lhe culLural, llngulsLlc, and plaln language requlremenLs for summary of beneflLs documenLs, unlform glossarles, and clalms appeals processes. lacLors whlch have faclllLaLed Lhls process among leadlng healLh plans are: (1) leadershlp-or a champlon-LhaL recognlzes Lhe lmporLance of addresslng dlsparlLles and can shepherd relaLed prlorlLles Lo lmplemenLaLlon, (2) 1le AffotJable Cate Act 8 Rac|al aoJ ltlo|c lealtl lqo|ty Set|es Pollcy 8rlef No.±: HeulLh lnsurunce Lxchunges | Muy zo±¸
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Lhe recognlLlon and lnLegraLlon of raclal and eLhnlc healLh equlLy prlorlLles early ln plannlng, and (3) prlor experlence wlLh culLurally and llngulsLlcally Lallored ouLreach and enrollmenL ln Medlcald. What Cha||enges Lie Ahead for Hea|th P|ans? Many healLh plans are sLruggllng Lo meeL federal requlremenLs puL forLh by Lhe ACA glven LlghL deadllnes and lncompleLe guldellnes. Some are also concerned abouL markeLlng Lo lndlvldual consumers ln such a shorL Llmeframe as Lhey are more accusLomed Lo markeLlng Lo employers. And as healLh plans seek Lo advance Lhelr cllenL base ln Lhese new markeLplaces, many worry abouL how besL Lo reach and enroll a large proporLlon of low- lncome, raclal and eLhnlc non-WhlLe lndlvlduals and famllles. ln addlLlon, meeLlng language needs beyond whaL ls requlred by Lhe ACA may be more daunLlng Lhan meeLs Lhe eye. lor example, healLh plans wlll need Lo declde wheLher and how Lo reach slzeable non-Lngllsh speaklng communlLles LhaL may noL meeL Lhe 10° Lhreshold requlremenL. And how wlll Lhey reach lndlvlduals who cannoL read ln Lhe language Lhey speak, or use reglonal dlalecLs? llnally, ln some communlLles, healLh plans wlll also need Lo overcome barrlers Lo lnsurance relaLed Lo LrusL-someLlmes ln comblnaLlon wlLh language.
What Are Action 5teps for Advancing Hea|th Equity through the Exchanges? SLaLes, healLh plans, communlLy organlzaLlons, and oLhers lnvolved ln exchange plannlng and operaLlon musL ensure equlLy ls a cenLral prlorlLy Lo effecLlvely educaLe, reach, and enroll all ellglble populaLlons, lncludlng Lhose from dlverse raclal and eLhnlc herlLage. 1he Notloool 5tooJotJs oo coltotolly ooJ lloqolstlcolly Apptoptlote 5etvlces (clA5), lssued ln 2000 by Lhe federal Cfflce of MlnorlLy PealLh, and enhanced ln 2013, have been used by many healLh plans and can serve as a crlLlcal resource ln broadly provldlng guldance on plaln language, use of lnLerpreLers, Lralnlng and educaLlon, dlverslLy among navlgaLors, and meLrlcs Lo conslder ln measuremenL and evaluaLlon, among oLher acLlons necessary for reachlng dlverse communlLles. urawlng on and complemenLlng Lhese sLandards are speclflc acLlons LhaL exchanges can Lake Lo advance raclal and eLhnlc healLh equlLy:
£xchonqe P/onninq & ueve/opment: lnLegraLe equlLy and dlverslLy ln mlsslon, ob[ecLlves, and plannlng. Lnsure lncluslon, represenLaLlon, and regular feedback from dlverse communlLles. lncorporaLe feedback ln developmenL of Web porLal, markeLlng, and ouLreach sLraLegles.
Outreoch, £ducotion, & £nro//ment: lnvolve LrusLed represenLaLlves who are reflecLlve of or from wlLhln Lhe communlLy. Make avallable LranslaLlon and lnLerpreLer servlces when aL leasL 3° of Lhe populaLlon ln a geographlc area speaks Lhe same non- Lngllsh language. Assure LhaL lndlvlduals provldlng ouLreach recelve Lralnlng ln culLural compeLence. Assure communlcaLlon and LranslaLlons are culLurally-approprlaLe. CommunlcaLe Lhrough a range of medlums- onllne, ln-person, prlnL, and eLhnlc medla.
£xchonqe Monitorinq & £vo/uotion: Learn whaL oLher leadlng sLaLes and healLh plans are dolng Lo address healLh equlLy. MonlLor progress ln reachlng and enrolllng dlverse communlLles. Share your own lessons, challenges, and promlslng pracLlces for advanclng equlLy.
1hese acLlons can help sLaLes, healLh plans, and oLhers assure LhaL hlsLorlcally marglnallzed, dlverse lndlvlduals do, ln facL, obLaln healLh care coverage. Acknow|egements: 1he 1exas PealLh lnsLlLuLe would llke Lo Lhank 1he Callfornla LndowmenL, W.k. kellogg loundaLlon, and kalser ÞermanenLe CommunlLy 8eneflL naLlonal Þrogram Cfflce for Lhelr generous granL supporL. AuLhors for Lhls pollcy brlef are uennls Andrulls, Þhu, MÞP, nadla Slddlqul, MÞP, Lauren !ahnke, MÞAff, and Marla Cooper, MA. Source: lnformaLlon lncluded ln Lhls Þollcy 8rlef ls drawn from 1Pl's reporL enLlLled lmplemeotloq coltotol ooJ lloqolstlc kepoltemeots lo neoltb losotooce íxcbooqes. 1o access Lhe full reporL, vlslL: hLLp://www.LexashealLhlnsLlLuLe.org/healLh-care- reform.hLml.