Experience has shown that continuous eligibility works–many states already had this policy prior to the new national one year requirement, and their child disenrollment rates were about half of the rate of the states without continuous eligibility. Unwinding highlights how arduous and ineffective the current renewal process is for families, and the success of continuous eligibility policies highlights the benefits of keeping kids enrolled.
Keeping kids covered is a cost saver for both families and states. On average, states lose $400-$600 in administrative costs for each child that rotates in and out of Medicaid coverage, a process called “churn.” Research also shows that Medicaid enrollment significantly reduces families’ medical debt. This stability helps support a family’s overall financial health, making them less likely to carry non-medical debt as well. Both of these factors allow parents to purchase other necessities for their children such as food, clothing, and housing.
While 12 months of continuous eligibility is a great start, it’s not enough to keep our kids covered. KFF reports that after the 12-month window passes, child churn more than doubles. Children need consistent access to health care coverage to receive the routine and emergency medical care that they need during their earliest years. The American Academy of Pediatrics recommends that children visit their physicians at 1, 2, 4, 6, 9, 12, 15, 18, 24, and 30 months to ensure that they are developing properly. Most churn gaps last 3-9 months, meaning that young children could miss nearly half of these critical appointments. This means that doctors may not detect emerging conditions or developmental delays in a timely manner, delaying diagnosis and treatment.
To keep kids covered WVAHC advocates for six-year continuous eligibility, which keeps kids covered during the most important years for their development. Continuous eligibility eliminates churn in early childhood, ensuring that children can receive all their vaccines, screenings, and routine checkups at an affordable cost to their parents. With five-year continuous eligibility, children, regardless of their socioeconomic background, can receive the care they need to be successful as they begin school. This simple extension also reduces administrative burdens for both families and state governments by reducing the frequency of the redetermination processes.
As of January 1, 2024, all states are required to provide 12 months of continuous health coverage for children in Medicaid and the Children’s Health Insurance Program (CHIP). This reduces the risk of eligible children losing coverage due to administrative barriers or temporary fluctuations in family income.
WVAHC supports continuous enrollment from children ages 0 – 6 yrs.