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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

As California Taps Pandemic Stockpile for Bird Flu, Officials Keep Close Eye on Spending

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kffhealthnews.org – Don Thompson – 2024-11-14 04:00:00

SUMMARY: California is using state and federal stockpiles to provide up to 10,000 farmworkers with safety gear as the state reports 21 human cases of bird flu. The state began distributing protective equipment in May and has confirmed bird flu at over 270 dairies. Drawing lessons from the COVID-19 pandemic, California is improving emergency responses and maintaining a stockpile that includes millions of face masks. However, due to financial constraints, funding for disaster supplies has been cut, and some preparedness programs were reduced or eliminated. A ballot measure to increase pandemic preparedness funding failed after its key financial supporter was convicted.

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Kaiser Health News

After Congress Ended Extra Cash Aid for Families, Communities Tackle Child Poverty Alone

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kffhealthnews.org – Kate Wells, Michigan Public – 2024-11-14 04:00:00

SUMMARY: Dr. Mona Hanna, a pediatrician in Flint, Michigan, is championing the Rx Kids program, a pioneering cash aid initiative that provides $1,500 mid-pregnancy and $500 monthly for a child’s first year to Flint families. Since its January launch, nearly all babies born in Flint are enrolled, aiding parents with essential needs like diapers and food. While Rx Kids aims to reduce poverty and inspire lawmakers and donors, challenges remain for expansion in underserved regions like Michigan’s Upper Peninsula, where substantial private funding is needed. Ongoing efforts seek to raise awareness and secure resources for this impactful program.

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Kaiser Health News

California Dengue Cases Prompt Swift Response From Public Health Officials

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kffhealthnews.org – Claudia Boyd-Barrett – 2024-11-12 04:00:00

SUMMARY: Jason Farned and his team at the San Gabriel Valley Mosquito and Vector Control District have been preparing for dengue’s arrival, with the virus now detected in California. The spread of Aedes mosquitoes, capable of transmitting dengue, has been fueled by climate change and international trade. In 2023, California saw 13 locally acquired cases, prompting efforts like surveillance, pesticide applications, and public education. Authorities are also exploring techniques like sterile mosquito releases to reduce populations. Public cooperation is key, as Aedes mosquitoes are now established in 24 counties, and local outbreaks pose a growing threat to public health.

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