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Federal Register / Vol. 86, No. 124 / Thursday, July 1, 2021 / Proposed Rules
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TABLE 1: Accounting Statement Benefits:
Qualitative:
Consumers will benefit from a longer open enrollment period, as they will have a greater opportunity to enroll in coverage.
The special enrollment period clarification will benefit any individual who experiences a decrease in household income that makes them newly eligible for an APTC amount of greater than zero dollars.
Consumers will benefit from repeal of the separate billing regulation, as they will no longer be subject to confusing billing processes.
APTC-eligible qualified individuals whose household income does not exceed 150 percent of the FPL will benefit from the new special enrollment period, as they will have more opportunities to enroll in coverage throughout the year.
Estimate Year Discount Period Covered Costs:
Dollar Rate Annualized Monetized $/year -$270.1 million 2020
7 oercent 2021-2025
-$267.3 million 2020
2021-2025
3 oercent Quantitative:
Reduction in costs to all issuers, states, State Exchanges performing premium billing and payment processing, the FFE, and consumers due to the separate billing regulation of approximately $407.05 million in 2021, $230.7 million in 2022, and $229.3 million annually in 2023 and onwards. In addition to annual costs, the reduction in costs in 2021
includes a reduction in cost to reflect the one-time implementation changes that issuers, states, States Exchanges performing premium billing and payment processing, and the FFEs would have incurred if the separate billing policy had been implemented in 2020. Because the separate billing policy was not implemented in 2020 due to courts invalidating the policy, these one-time costs could have been incurred in 2021, had the separate billing policy remained aoolicable.
Qualitative:
Increased costs due to increases in providing medical services if health insurance enrollment increases .

Transfers:

Estimate
Annualized Monetized $/year
$480.9 million to $1.2309
billion $481.5 million to $1.2315
billion
Year Dollar
Discount Rate
2021

7 percent
2021

3 percent
Period Covered 2022-2026
2022-2026

This RIA expands upon the impact analyses of previous rules and utilizes the CBO analysis of the ACAs impact on federal spending, revenue collection, and insurance enrollment. In addition to utilizing CBO projections, HHS
conducted an internal analysis of the effects of its regulations on enrollment and premiums. Based on these internal analyses, we anticipate that the quantitative effects of the provisions proposed in this rule are consistent with our previous estimates in the 2021
Payment Notice for the impacts
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associated with APTC and FFE user fee requirements.
1. Navigator Program Standards 155.210
We propose to amend 155.210e9
to reinstitute the requirement that FFE
Navigators provide consumers with information and assistance with regard to certain post-enrollment topics. In FFEs, Navigators will continue to be permitted to undertake the Navigator duties specified in 155.210e9 until this proposal, if finalized, becomes effective. If this proposal is finalized,
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FFE Navigators would be required to perform the Navigator duties specified in 155.210e9 beginning with Navigator grants awarded after the effective date of this rule, including non-competing continuation awards. If this proposal is finalized prior to Navigator grant funding being awarded in FY 2022, FY 2021 Navigator grantees will be required to perform these duties beginning with the Navigator grant funding awarded in FY 2022 for the second 12-month budget period of the 36-month period of performance. To the extent Navigators awarded grant
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Quantitative:
Increase in transfers from the issuers to federal government by approximately $200 million in 2022 and approximately $240 million in 2023 onwards due to changes in user fee rates and state transitions from FFEs to SBE-FPs or from SBE-FPs to SBEs.
A potential 0.5 to 2 percent increase in premiums in 2022 and onwards as a result of the monthly special enrollment
period for APTC-eligible qualified individuals whose household income does not exceed 150 percent of the FPL, with a corresponding potential increase in APTC/PTC annual outlays and decrease in income tax revenues of annroximatelv $250 million to $1 billion.