Ahead of the 10th open enrollment period, the Biden-Harris administration announces high levels of health plan affordability, quality and choice, and a record number of efforts to connect Americans with coverage
The Biden-Harris administration has made expanding access to health insurance and reducing health care costs for America’s families a top priority, and starting today, consumers can review their health coverage options and see available savings in the most competitive marketplace in history. Consumers can now visit HealthCare.gov to see detailed information about 2023 health plans and prices offered in their area ahead of the 2023 Marketplace open enrollment period, which begins on November 1, 2022.
Under the Biden-Harris administration, the national uninsured rate has reached an all-time low, and more Americans than ever have health insurance through the Marketplace. As we begin our 10th open enrollment period, the Marketplace is stronger than ever—with continued record affordability, strong competition, and unprecedented distribution efforts.
“Under President Biden’s leadership, the market is stronger than ever,” said HHS Secretary Xavier Becerra. “We provide what Americans deserve: high-quality health care at an affordable price. We’ve been tireless in our efforts to increase competition, lower costs and connect people with coverage. We encourage everyone to visit HealthCare.gov and find an affordable health plan that best fits their needs.”
“All families have the right to quality and affordable healthcare. During this open enrollment period, users will have access to a variety of quality plan options at an affordable price. We encourage consumers to visit HealthCare.gov and their state-based marketplaces to review plans and premiums now so they are ready to make a choice when open enrollment begins on November 1,” said CMS Administrator Chiquita Brooks-LaSure.
This year, thanks to the Inflation Reduction Act, more people will continue to be eligible for help buying quality health insurance. Thirteen million Americans will continue to save an average of $800 per year on their health insurance. Four out of five customers will be able to find a plan for $10 or less after subsidies. Consumers with coverage through HealthCare.gov are encouraged to come back and shop around to see if another plan better meets their needs at a lower cost.
This year, consumers will also benefit from a highly competitive market and continued access to affordable coverage. According to a new report released today by CMS on Marketplace plans available in states on HealthCare.gov for plan year 2023, 92 percent of enrollees will have access to options from three or more insurance companies when shopping for plans. In addition, new standardized plan options are available in 2023 that offer the same deductibles and cost sharing for certain benefits and the same out-of-pocket limits as other standardized plan options within the same health plan category. Most of these standardized plan options offer many services with an upfront deductible, including primary care, generic drugs, preferred brand drugs, urgent care, specialist visits, outpatient mental health and substance use office visits, and speech, occupational and physical therapy.
Also new this year, families who may not have been eligible for tax credits may now be eligible for financial assistance — for the first time — thanks to the Biden-Harris administration. Earlier this month, the administration finalized a rule that will help the roughly 1 million Americans offered insurance from an employer either get coverage or see their coverage become more affordable through the Marketplace. To take advantage of the new policy, families who have historically found employer insurance unaffordable should look for new savings opportunities on HealthCare.gov.
To help connect people with coverage, the Biden-Harris administration also made the largest investment in the Navigators program. This year’s $98.9 million is based on the administration’s quadrupling of navigators last year, which helped contribute to a record 14.5 million people signing up for health coverage in 2022 through the Marketplaces, including nearly 6 million people who have recently received coverage. This continuation of historic funding levels will help Navigators continue their work informing consumers about the improved tax credits and coverage available on HealthCare.gov.
Users in states that operate their own Marketplace platform can also enroll in a 2023 Marketplace plan starting November 1. Consumers in these states should visit or call their state’s Marketplace for information about available plans and pricing, how to get in-person or virtual assistance, and news about local enrollment events. State market enrollment deadlines and other information are available in the state market open enrollment fact sheet.
The HealthCare.gov Marketplace open enrollment period runs from November 1, 2022 to January 15, 2023. Consumers who enroll by midnight on December 15, 2022 can get a full year of coverage starting January 1, 2023 .
To view the Market Year 2023 Open Enrollment Fact Sheet for more information, visit: https://www.cms.gov/files/document/102622-landscape-and-window-shopping-508.pdf
To view the 2023 plan year qualified health plan choices and premiums in the HealthCare.gov landscape report, visit: https://www.cms.gov/CCIIO/Resources/Data-Resources/Downloads/2023QHPPremiumsChoiceReport.pdf
To view the Health Insurance Marketplace Public Use Files for the 2023 Plan, visit: https://www.cms.gov/CCIIO/Resources/Data-Resources/marketplace-puf
To view the Plan Year 2023 Quality Assessment System public use files, visit: https://www.cms.gov/medicare/quality-initiatives-patient-assessment- instruments/qualityinitiativesgeninfo/aca-mqi/aca- mqi-landing-page
To view the 2023 State Exchange Open Enrollment Fact Sheet, visit: https://www.cms.gov/files/document/state-exchange-open-enrollment-chart.pdf