The families of roughly 400,000 children in Texas could be receiving letters from state officials in a matter of weeks, letting them know their health care is ending.
Funding for the Children鈥檚 Health Insurance Program (CHIP) expired at the end of September, and Congress still hasn鈥檛 reauthorized the program. Legislation aimed at shoring up the program has bipartisan support, but there's disagreement in Congress about how to pay for it.
In Texas, it鈥檚 hard to tell when money will run out. So far, state officials say it could happen .
Advocates say that means in just a few weeks a Texas law could kick in, requiring officials to give families on CHIP a 30-day notice before the program ends.
鈥淚t is very likely that sometime in the month of December 鈥� and it could be as early as Dec. 1st 鈥� families in Texas will start receiving letters about coverage termination,鈥� says Laura Guerra-Cardus, deputy director with the Children鈥檚 Defense Fund in Austin.
Guerra-Cardus helps families enroll in CHIP, which provides health care for children in mostly working-class families. She says some families are already stressed about the possibility of the program shutting down.
鈥淓ven getting a letter like that, even if the program is eventually re-funded, it's going to cause incredible levels of stress for most families and chaos for some who cannot afford to have a gap in coverage for their children,鈥� she says.
Children who are receiving ongoing therapies or rely on prescription medications would be most affected by a coverage gap, she says.
Another issue before state health officials, advocates and families relying on CHIP is that little is known about what will happen after those letters are sent out. For example, state law isn鈥檛 entirely clear about what happens if the money gets reinstated.
鈥淚 don鈥檛 think state law ever got that granular,鈥� says Anne Dunkelberg, associate director with the Center for Public Policy Priorities and an expert on Medicaid and CHIP policy in Texas.
Dunkelberg says there鈥檚 very little policy that explicitly lays out what happens when the state starts to shut down the program.
鈥淣obody was anticipating this kind of circumstance,鈥� she says. 鈥淪o, we have just never gotten this close to a deadline.鈥�
Right now, the plan is to shift the families who lose coverage under CHIP to the online marketplace created by the Affordable Care Act. Dunkelberg says there are few scenarios where this shift won't cause a gap in coverage, though.
For one thing, the timing is really tight. It鈥檚 possible that enrollment for the marketplace will be over by the time families get termination letters. Dunkelberg also says not all families will qualify for subsidies to help pay for plans in the marketplace. She says that means it鈥檚 unlikely those families will be able to enroll at all.
Dunkelberg says she鈥檚 also worried that the computer systems won鈥檛 immediately be able to accommodate these families.
Right now, the online marketplace doesn't allow people who qualify for CHIP to get an individual plan through the marketplace, so logistically it will take time to smooth that out, too.
Dunkelberg says any scenario here is going to be complicated and hard to plan for, which is why she says Congress should pass the funding bill before December.
鈥淭hey should act this month,鈥� Dunkelberg says. 鈥淲e need to be protecting children鈥檚 health.鈥�
Copyright 2020 KUT 90.5. To see more, visit . 9(MDAxODQzOTgwMDEyMTcyNjI4MTAxYWQyMw004))
