Did my state just kill the best ACA plans?

[jpdx]

Oregon Health Plan is our state's medicaid program. I just learned that they are launching a new program called OHP Bridge for households earning between 150-200 % Federal Poverty Line. The problem? Starting next year, people in this income range will no longer have access to subsidized marketplace plans -- and these are the plans with near zero premiums and the very generous Cost Sharing Reductions (CSRs)! I'll have to give up my $100 deductible ACA plan with the widest provider network in the state and move over to OHP. Medicaid covers nearly everything including dental but none of the best providers accept it. This program is well-intentioned but feels like a downgrade for this group of people.

[jim555]

It is not Medicaid it is a 1331 BHP Basic Health Plan.  NY has a BHP up to 250% FPL, a/k/a The Essential Plan.  These have lower costs to the consumer.  $0 a month premiums and lower cost sharing than QHPs with subsidies and CSRs.

Just get income to 201% FPL if you want to avoid for some reason.

Looks like Oregon is doing this with these plans:  https://www.oregon.gov/oha/HSD/OHP/Pages/cco-plans.aspx

[jpdx]

I was not aware of BHPs. Thank you!

Oregon Health Plan includes traditional and expansion medicaid, CHIP, etc. I know the provider networks are via Coordinated Care Organizations but I'm not sure if OHP Bridge's network will be the same as the other flavors of OHP. My child has OHP and I have found that for some services the limited networks are a problem. For example, we're having trouble finding OT and mental health care because the providers who accept OHP have year+ long wait lists. And highly rated providers often don't accept OHP at all due to its low reimbursement rates.

I can easily get my income to 201% FPL; this will mean paying higher premiums for a less-generous CSR tier.