The media blitz to sign up young people for health insurance is in a full final swing, with celebrity endorsements and pitches by top federal officials, ahead of Monday’s deadline to get enrolled or face a federal tax penalty.
President Obama recently plugged the health law on comedian Zach Galifianakis’s parody talk show “Between Two Ferns,” exchanging insults with the actor and scoring an online viral hit that brought thousands of referral clicks to the federal insurance marketplace, Healthcare.gov.
"Let's get this out of the way," Galifianakis says, after Obama mentions Healthcare.gov. “What did you come here to plug?"
The White House’s website features a March Madness-themed bracket listing of reasons to get insurance, with Facebook- and Twitter-shareable videos of Michelle Obama slam-dunking a basket held by Miami Heat star LeBron James, cats acting wacky, and college basketball coaches Geno Auriemma and Roy Williams pitching the Obamacare law.
Dozens of celebrities have been enlisted to draw the attention of the so-called “young invincibles,” uninsured people aged 18 to 34 who do not consider health insurance a priority, who in many cases are unaware of the March 31 deadline and the subsidies available to reduce the cost of enrolling.
Maroon 5’s Adam Levine has tweeted with the #getcovered tag, and his mom and the mothers of other celebs — including actors Jonah Hill and Jennifer Lopez, and singer Alicia Keys — appear in a video telling stories about their children and nagging viewers to sign up. Rosario Dawson, Eva Longoria, Pharrell Williams, Sarah Silverman, Mindy Kaling and many others have also put messages about the law in their Twitter feeds.
“We've had people ranging from like Fran Drescher to T.I., Janelle Monae — I think even her mother finally got covered, which I thought was pretty cool,” said Alescia Teel, the New Jersey communications lead for Enroll America's Get Covered America campaign.
“We've had some pretty interesting people, so I think that draws attention to the issue, especially with young people, because they kind of say, ‘Oh, here's this person I recognize that's in front of it,’” Teel said.
Enrolling young adults is a priority in part because they use less health care, which will balance out the costs of insuring older and sicker enrollees. A shortage of younger customers could, in theory, lead insurance companies to raise their premiums, making insurance less affordable across the board. In a worst-case scenario, that could cause a so-called “death spiral” of falling enrollment and rising costs.
Ray Hurd, the Northeast regional administrator for the Centers for Medicare & Medicaid Services, said in an interview Wednesday that young adults are a focus of enrollment efforts simply because so many of them are unaware of the importance of having health insurance.
“There's a large population of uninsured out there and a lot of them happen to be the young and healthy. And part of that is just because they don't think they need it,” said Hurd, who is based in Boston.
Of the 74,370 people who had selected a plan through New Jersey’s insurance marketplace through February, 23 percent were 18 to 34 years old, slightly lower than the national average, according to federal data.
Much of the promotion of the law has taken place at colleges, with U.S. Secretary of Health and Human Services Kathleen Sebelius visiting Montclair State University on Monday and highlighting the lower-cost health plans available to young people. She said a 27-year-old who earns $25,000 a year can receive subsidized insurance for as little as $114 per month, an amount she compared to the cost of cell phone or cable TV plans.
After the enrollment period ends, only people who had technological problems with Healthcare.gov or who experience a status change such as a divorce or job loss can enroll for 2014. Under the Affordable Care Act, people who do not sign up by Monday face a penalty of $95, or 1 percent of income, whichever is greater.
A key part of the sales pitch to young people is the federal tax subsidies, which substantially lower premiums for lower-income enrollees. Justice Ceserano, Enroll America’s New Jersey state director, said many people are still confused about or unaware of the financial assistance that’s available.
The organization is also advising young people that buying individual health plans allows them to freelance or pursue creative goals rather than take the first full-time job they can find with employer-sponsored insurance, Teel said.
Nationally, 40 percent of potential enrollees are young adults, and an enrollment share below that level could lead to modest premium hikes next year, according to a.
Sebelius said Monday that the ACA includes provisions to ensure the stability of the insurance market even if some insurers have a disproportionate share of enrollees with health problems.
“I’m confident that we’ll have enough enrollment and enough young people to have a balanced risk pool,” Sebelius said.
To keep premiums down through 2016, the ACA includes a temporary program called reinsurance, which pays insurers with sicker, higher-cost members. Another program called “risk corridors” takes fees from insurance companies with unexpectedly high earnings and transfers them to insurers with higher-than-expected healthcare costs.
Students at Montclair State and other four-year colleges are typically required to have health insurance, but community college students are not, and their campuses have been a focus of enrollment efforts. Teel said enrollment counselors have been at Union, Burlington, Middlesex, Passaic and other county colleges in recent days, giving out information and helping students and community members sign up.