Rev. Dr. Marion Talley, who helps people enroll in health insurance in Jackson, is seeing firsthand how recent changes are impacting those she assists. Many are facing steep costs for coverage. For example, one client went from paying just five dollars a month to having to choose a plan that costs two hundred fifty dollars. Such a jump is simply unsustainable for many.
Talley, who works with Get Covered Mississippi, describes the current open enrollment period as incredibly tough. Some clients now have to deal with monthly premiums in the hundreds, plus high deductibles. This situation raises concerns about what will happen if people can’t afford insurance. Mississippi Insurance Commissioner Mike Chaney warned that if many people become uninsured, it could stress the healthcare system. “When these individuals seek care, they could flood emergency rooms,” he noted.
During the pandemic, premiums were kept lower due to enhanced tax credits, but these are set to expire soon unless Congress acts. According to a report from the Kaiser Family Foundation, if these credits end, many could see premium costs rise by an average of 114%—an increase of more than $1,000 annually for many families.
This uncertainty has left many confused and hesitant. Talley pointed out that even if someone can manage the premium, the high deductible can still deter them. When her clients can’t afford marketplace plans, she often directs them to community health centers. However, these clinics are often overcrowded and may lack the specialists needed for specific conditions.
Mississippi’s decision against expanding Medicaid further complicates matters. Many people in the state already struggle, and experts estimate that around 123,000 uninsured adults could benefit from such an expansion. This includes individuals who earn too much to qualify for basic Medicaid but not enough for subsidized marketplace coverage.
Open enrollment on HealthCare.gov runs through January 15, with coverage starting February 1 for those who enroll before the deadline. Chaney emphasizes the importance of getting insured, even if it means choosing a low-tier plan.
The deadline for enrolling in health insurance has sparked debate in Washington, especially among House Republicans who are pushing a healthcare plan that doesn’t extend existing subsidies. According to reports from The Wall Street Journal, there doesn’t seem to be a chance for a deal before the deadline, which could push any necessary changes into January.
As Talley continues her work, she has tried reaching out to Mississippi lawmakers to discuss these pressing issues, but she hasn’t received a response. She hopes they will truly consider the needs of their constituents.
For detailed statistics regarding healthcare in Mississippi, visit the Centers for Medicare & Medicaid Services and learn more about the potential impact of insurance changes from KFF.
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