This Wednesday is the deadline to enroll in Affordable Care Act marketplace health coverage.

Advocates say this year is even more critical for those seeking a plan, because the expanded tax credits that allowed many Kentuckians to enroll in health coverage - at little or no monthly cost - are set to expire at the end of this year.

After Jan. 15, folks will have to qualify for a special enrollment period to take advantage of Advanced Premium Tax Credits while they still exist.

Priscilla Easterling, director of outreach and enrollment with Kentucky Voices for Health, said the state's uninsured rate could potentially increase if families can't afford coverage without the credits.

"I think we should all be very concerned," said Easterling. "Without these enhanced premium tax credits being extended, we're going to see enrollment drop off, because families will no longer be able to afford that monthly premium."

According to research from the Robert Wood Johnson Foundation, the elimination of expanded tax credits would especially impact older adults - who tend to have higher health coverage costs.

In 2024, people over age 50 made up more than one-third of total ACA enrollment.

Easterling said in many cases, for low-income individuals making around $22,000 per year, the credits covered the full cost of their plan, and have saved Kentuckians thousands of dollars a year.

"They have been around for the duration of the ACA," said Easterling, "but the enhanced part that was first expanded in 2021. They have, on average, saved most households over $500 per month."

Easterling said residents can find local experts at kynect.gov to help them take advantage of tax credits and find the best plan for them.

"There are 'kynectors' available in all 120 counties," said Easterling, "who can help and provide free assistance for anyone who needs help navigating Kynect.gov or trying to get enrolled in coverage."

During 2024, more than 71,000 Kentucky residents enrolled in a plan through the marketplace, according to the health advocacy group KFF.

Nationwide, a record 24 million people have signed up for insurance coverage through the Affordable Care Act, according to federal data.

Obtaining medical records can be a costly endeavor but there is hope Washington state lawmakers could find a fix this session.

Medical providers look for compensation when producing medical records because of the work involved in the process.

Holly Brauchli, an attorney at Seattle Injury Law, said an outdated process is used to determine the cost. Federal law requires all records to be digitized and Brauchli pointed out providers charge per page as if the records were on paper.

"We download it and we get a bill for thousands of dollars and the justification of that bill is that there's a per page charge," Brauchli explained. "I get these invoices that say copying charge per page. There are no copies."

Brauchli noted there are a variety of reasons why someone would want to obtain their medical records. For instance, the records could be important to an injury lawsuit or someone might want to check if their health insurance was billing them correctly.

Brauchli argued records should no longer be charged as if they are on paper.

"This seems like a really easy fix and certainly one that would help Washington citizens," Brauchli contended. "People have a right to know what's in their medical record and they have a right to be able to see it. So, to me, it's a really simple and elegant fix."

A bill has not been filed yet but is expected from Sen. Tina Orwall, D-Des Moines, soon. The 2025 legislative session starts today.

In the aftermath of Hurricane Helene, many dentists in Western North Carolina faced devastating losses, from damaged practices to destroyed homes. The North Carolina Dental Society Foundation is stepping in to help them. The group launched an emergency relief grant program to help dentists get back on their feet.

Dr. Ruma Simhan, former president of the North Carolina Dental Society Foundation, said the recovery efforts are about more than rebuilding practices; they're about restoring vital oral health services to communities that need them most.

"A lot of dentists we hear from, their practice is damaged or lost altogether, and they're trying to find a way to go back to their community and serve their patients," she explained. "And so they just really need help getting back on their feet."

She added that the goal is to make sure that critical health care gets back to communities where access was already limited.

Simhan said the foundation isn't stopping at grant funding. Through partnerships with local organizations, it launched an oral hygiene supply drive, collecting more than 25,000 items such as toothbrushes, toothpaste and floss for impacted residents. Collaborations with Valley Strong Disaster Relief and Blue Ridge Tae Kwon Do helped transform community spaces into relief centers, while dental associations across the country sent donations to expand support efforts. Simhan said these initiatives are helping ensure oral health remains a priority.

"Oral health is truly important to one's overall health. And it cannot be stated enough that if one part of the state struggles for access, has dentists that cannot work in the area then that really affects that community to obtain its optimal health," she continued.

The foundation is still accepting grant applications and donations to support recovery efforts. Simhan said with rural communities in Western North Carolina already facing limited access to dental care, getting these practices back up and running is critical. More information is available on the foundation's website.

The Community Health Provider Alliance improved health care quality and saved $17.3 million in taxpayer money that would have been paid out by Medicare in 2023.

Brandi Apodaca, chief operating officer with Community Health Provider Alliance, said nearly half of the money saved will go to support community health centers that treat all patients regardless of their ability to pay. That's good news for clinics struggling with a steep increase in uncompensated care after more than half a million Coloradans were dropped from health insurance rolls.

"As Medicaid dollars have decreased to the community health centers due to the Medicaid unwind, these dollars are coming at a critical time to really support the integrated work that community health centers are doing," she said.

Medicaid coverage was automatically maintained during the COVID public health emergency, but that ended in the spring of 2023. Nearly half of enrolled Coloradans, including thousands who still qualified for coverage, lost their health insurance.

Over the past five years, the alliance has helped save $70 million for the Centers for Medicare and Medicaid Services. Apodaca said improving the quality of care - for example, by bringing more people in for their annual wellness visits - creates better health outcomes for patients, and keeps costs down by reducing expensive emergency room visits and hospitalizations.

"By doing things like managing chronic conditions and getting engaged into primary care - which should be your number one source of health care - we're going to control costs," she continued.

Nationally, the Medicare Shared Savings Program saved a record $5.2 billion in 2023. Program participants get to keep a portion of those savings. Apodaca says in Colorado, the money will help ensure that community health centers can continue to deliver high-quality coordinated health care.

"They not only provide physical health, they are also integrated with dental and behavioral health. So when you show up at a community health center, we're going to be able to provide services for all of your health care needs," she concluded.


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