Evaluating the Effect of Automatic Plan Assignment and Enhanced Outreach of Marketplace Take-up (MAPS)

Covered California

Status: Invitation-only

Conditions: Outreach Intervention

Treatments: Behavioral: Modified eligibility notice with plan information; Behavioral: Informational flyer

Study type: Interventional

Funder types: Other

Identifiers

NCT06709794

CCA-MAPS-2024

Details and patient eligibility

About

Facilitated enrollment offers a potential solution to some administrative burdens and choice frictions that may produce incomplete take-up of marketplace coverage. Because Covered California, California's ACA individual marketplace, and Medi-Cal, California's Medicaid program, share an eligibility system, Covered California has the ability to identify individuals who are eligible for marketplace coverage upon losing Medicaid eligibility.

This evaluation will compare the effectiveness of facilitated enrollment strategies, including personalized plan pre-selection and personalized quotes of net premiums, to other enhanced, but general outreach tactics, on marketplace take-up among individuals losing Medi-Cal coverage.

Enrollment: 30,000 estimated patients

Sex: All

Volunteers: No Healthy Volunteers

Inclusion criteria

• Individual in a single-member household
• Discontinued from Medi-Cal
• Eligible for Covered California program
• Ineligible for APTCs on initial application
• Did not attest to planning to file taxes within their Covered California application

Exclusion criteria

• Consumer case is no longer active within the application system
• Consumer is already actively enrolled in a marketplace plan
• Consumer has already restored Medi-Cal eligibility
• A consumer's Special Enrollment Period has ended
• Consumer is no longer listed as a single-member household
• Consumer was procedurally denied from Medi-Cal coverage due to no response
• Consumers has a MAGI Medi-Cal income less than 138% of the Federal Poverty Level (FPL)

Trial design

Primary purpose: Health Services Research

Allocation: Randomized

Interventional model: Parallel Assignment

Masking: Double Blind

---

30,000 participants in 3 patient groups

Control group

No Intervention group

Description:

A control group that receives a standard eligibility notice informing them of their eligibility for marketplace coverage.

Enhanced Outreach

Experimental group

Description:

A treatment group that receives a standard eligibility notice informing them of their eligibility for marketplace coverage and an informational flyer describing what Covered California is, the availability of financial assistance, and information on benefit design and private insurance terminology, such as deductibles and copays.

Treatment:

Behavioral: Informational flyer

Pre-Selected Plan

Experimental group

Description:

A treatment group that receives a modified eligibility notice that includes information on the pre-selected lowest-cost silver health insurance plan with a personalized quote for their net premium amount, as well as the informational flyer.

Treatment:

Behavioral: Modified eligibility notice with plan information