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After Public Push, CMS Curbs Health Insurance Agents’ Access to Consumer SSNs

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Julie Appleby, KFF Health News
Tue, 09 Apr 2024 09:00:00 +0000

Until last week, the system that is used to enroll people in federal Affordable Care Act insurance plans inadvertently allowed access by insurance brokers to consumers’ full Social Security numbers, information brokers don’t need.

That raised concerns about the potential for misuse.

The access to policyholders’ personal information was one of the problems cited in a KFF Health News article describing growing complaints about rogue agents enrolling people in ACA coverage, also known as Obamacare, or switching consumers’ plans without their permission in order to garner the commissions. The consumers are often unaware of the changes until they go to use their plan and find their doctors are not in the new plan’s network or their drugs are not covered.

Agent Joshua Brooker told KFF Health News it was relatively easy for agents to access full Social Security numbers through the federal insurance marketplace’s enrollment platforms, warning that “bad eggs now have access to all this private information about an individual.”

On April 1, the morning the article was posted on NPR’s website, Brooker said, he got a call from the Centers for Medicare & Medicaid Services questioning the accuracy of his comments.

A CMS representative told him he was wrong and that the numbers were hidden, Brooker said April 7. “I illustrated that they were not,” he said.

After he showed how the information could be accessed, “the immediate response was a scramble to patch what was acknowledged as ‘problematic,’” Brooker posted to social media late last week.

Brooker has followed the issue closely as chair of a marketplace committee for the National Association of Benefits and Insurance Professionals, a trade group.

After some phone calls with CMS and other technical experts, Brooker said, the federal site and direct enrollment partner platforms now mask the first six digits of the SSNs.

“It was fixed Wednesday evening,” Brooker told KFF Health News. “This is great news for consumers.”

An April 8 written statement from CMS said the agency places the highest priority on protecting consumer privacy.

“Upon learning of this system vulnerability, CMS took immediate action to reach out to the direct enrollment platform where vulnerability was identified to make sure it was addressed,” wrote Jeff Wu, acting director of the Center for Consumer Information & Insurance Oversight at CMS.

He added that the Social Security numbers were not accessible through routine use of the platform but were in a portion of the site called developer tools. “This issue does not impact healthcare.gov,” Wu wrote.

Brooker’s concern about Social Security numbers centered on access by licensed agents to existing policyholder information though the federal marketplace, not including the parts of healthcare.gov used by consumers, who cannot access anything but their own accounts.

While consumers can enroll on their own, many turn to agents for assistance. There are about 70,000 licensed agents nationwide certified to use the healthcare.gov site or its partner enrollment platforms. They must meet certain training and licensing requirements to do so. Brooker has been quick to say it is a minority of agents who are causing the problem.

But agents increasingly are frustrated by what they describe as a sharp increase during the second half of 2023 and into 2024 of unscrupulous rivals switching people from one plan to another, or at least switching the “agent of record” on the accounts, which directs the commission to the new agent. Wu’s statements have so far not included requested information on the number of complaints about unauthorized switching, or the number of agents who have been sanctioned as a result.

The changes shielding the Social Security numbers are helpful, Brooker said, but won’t necessarily slow unauthorized switching of plans. Rogue agents can still switch an enrollee’s plan with simply their name, date of birth, and state of residence, despite rules that require agents to collect written or recorded consent from consumers before making any changes.

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By: Julie Appleby, KFF Health News
Title: After Public Push, CMS Curbs Health Insurance Agents’ Access to Consumer SSNs
Sourced From: kffhealthnews.org/news/article/aca-marketplace-ssn-social-security-numbers-agents/
Published Date: Tue, 09 Apr 2024 09:00:00 +0000

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Kaiser Health News

Readers Embrace ‘Going It Alone’ Series on Aging and Chastise Makers of Pulse Oximeters

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kffhealthnews.org – – 2024-11-22 04:00:00

SUMMARY: Letters to the Editor discuss various healthcare concerns. Gail Daniels shares her struggles caring for a mother with dementia, while Shava Nerad reflects on the challenges faced by those without family support. Gloria Rankin suggests using pen pals to combat social isolation. Zoe Joyner Danielson recalls racial bias in pulse oximeter development, while Suzann Lebda questions fluoride’s impact on dental health. Readers also address issues like Medicare Advantage, high drug costs for seniors, and the financial burden of prepaying for baby deliveries. Liviu Steier advocates for fluorescence in dental care, emphasizing its diagnostic benefits.

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Kaiser Health News

Georgians With Disabilities Are Still Being Institutionalized, Despite Federal Oversight

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kffhealthnews.org – Sam Whitehead – 2024-11-22 04:00:00

SUMMARY: Lloyd Mills, a 32-year-old with autism, cerebral palsy, and kidney disease, has faced prolonged hospitalization due to inadequate community support in Georgia. After being admitted to Grady Memorial Hospital for mental health issues, Mills waited over eight months for appropriate housing, highlighting the systemic failures of a state still grappling with the consequences of a 2010 Department of Justice lawsuit regarding care for people with developmental disabilities. Despite significant investments and improvements in services, challenges like workforce shortages and inadequate funding persist, often leaving individuals like Mills in hospitals, impacting their mental and physical well-being.

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Kaiser Health News

TV’s Dr. Oz Invested in Businesses Regulated by Agency Trump Wants Him To Lead

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kffhealthnews.org – Darius Tahir – 2024-11-21 18:01:00

SUMMARY: President-elect Donald Trump nominated celebrity doctor Mehmet Oz to head the Centers for Medicare & Medicaid Services (CMS). Oz, known for his investments in healthcare, tech, and food companies, holds significant stakes in UnitedHealth Group, CVS Health, Amazon, and other companies involved in health insurance and pharmaceuticals, raising potential conflicts of interest. His financial ties include hospital stocks and pharmaceutical investments. Oz has expressed support for Medicare Advantage and criticized the food and healthcare industries. Critics question whether Oz can separate his financial interests from his role, particularly with companies doing business with the federal government.

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