It's always a challenge to keep politics out of discussions about the ACA, so we're clearly not going to go in that direction. No matter which side of the political spectrum you may stand, one can argue that the ACA has done some good for the American public, and it's certainly presented some problems.
ARPA is opening up the Marketplace to allow people to enroll in health insurance outside of open enrollment, and giving others a chance for an increased subsidy which would lower their premium. Most of us in the health insurance industry are delighted when we can help people get better coverage or make their current coverage more affordable. This of course, is a positive.
What some people don't think about however, is that this may bring long term consequences. By not protecting the integrity of the open enrollment period each fall, or the ongoing Special Enrollment Periods (SEPs) offered for extenuating circumstances throughout the year, we may be driving the cost of health insurance even higher. Not only will that force the many millions of people who don't receive a subsidy to pay even more, but it will ultimately cost the government more costs (and all of us who pay taxes!) because of larger subsidies going forward.
By not respecting the aforementioned enrollment periods, and allowing most people several months to enroll with no questions asked, it is encouraging certain people to wait until they have a need for insurance, and enroll and immediately be treated. We've even had people call the office and ask if they drop their current coverage how long can they wait to pick it up again before the "gates" close. Ugh!! The obvious result is that insurance companies will lose revenue from healthy people and gain claim obligations for people who ignored the original rules. That's a sure formula for higher prices!
Let's "firm up" the rules, and keep them consistent. Although it may not be obvious, if we do a logical financial analysis we can see that this is what will add stability and longevity to private insurance.