Phone Outreach Nudges Among Individuals Losing Medicaid Coverage

N/AEnrolling By InvitationNCT06454019

Covered California60,045 enrolled

Overview

In May 2023, Covered California, California's ACA marketplace, implemented its automatic enrollment program for individuals losing Medicaid coverage, as defined by Senate Bill 260. If individuals are found eligible for subsidized marketplace coverage, individuals will be automatically enrolled in the lowest cost silver plan available to them, but individuals must still take action to confirm their plan or pay their first month's premium. To identify whether the phone outreach is the effective outreach strategy to increase take-up in this population, Covered California implemented this intervention. The results of this evaluation will inform operational and budgeting decisions.

Study Type

INTERVENTIONAL

Allocation

RANDOMIZED

Purpose

HEALTH_SERVICES_RESEARCH

Masking

SINGLE

Enrollment

60,045

Conditions

Behavioral Economics Health Insurance

Interventions

Eligibility

Sex: ALL

Medical Language ↔ Plain English

Inclusion Criteria: * Lost Medi-Cal (California's Medicaid coverage) in July 2023-June 2024 * Auto-enrolled into lowest cost silver plan with Covered California as per Senate Bill 260 and have not opted-in (effectuated) into the coverage * Have a valid phone number on the health insurance application * Do not have a delegated agent to their case * Still have Covered California Program eligibility, not reverted back to Medi-Cal coverage * Have English or Spanish as preferred speaking language

Outcomes

Primary Outcomes

Health Plan Effectuation

A binary indicator for whether a consumer is effectuated into (paid for, opt-in into) Covered California plan, either the plan assigned through the auto-enrollment process, or into another plan chosen by the consumer by the end of the month at which outreach was conducted

Time frame: within 30 days from the start date of plan they are auto-enrolled into