The Biden-Harris Administration today continued its historic investment in health care coverage and the Affordable Care Act (ACA) by awarding a new round of $100 million to organizations vital to helping underserved communities, consumers, and small businesses find and enroll in quality, affordable health coverage through HealthCare.gov, the Health Insurance Marketplace®. The Centers for Medicare & Medicaid Services (CMS) is awarding the grants, in advance of this year’s Marketplace Open Enrollment (which begins November 1, 2024) to 44 Navigator grantees in states using HealthCare.gov. The grants are part of a commitment of up to $500 million over five years - the longest grant period and financial commitment to date, and a critical boost for recruiting trusted local organizations to better connect with those who often face barriers to obtaining health care coverage.

“The Biden-Harris Administration believes that health care should be a right. We are committed to ensuring that all communities and individuals are connected to affordable, high-quality health coverage. And to help make that possible, we are making the single largest investment ever in the history of the Navigator program,” said HHS Secretary Xavier Becerra. “Under President Biden and Vice President Harris, Navigators have helped educate and enroll millions in quality coverage, contributing to the lowest uninsurance rate in our nation’s history, including record enrollments in communities often left behind. HHS will continue to double down on our efforts so we can reach people where they are, increase coverage, and save lives.”

“Everyone in this Administration believes health care is a fundamental right for all, not a privilege for the few,” said CMS Administrator Chiquita Brooks-LaSure. “We continue to put weight behind that promise by ensuring the millions who still need coverage know affordable options are available. Having access to trusted local partners is key to improving access to health services, particularly for those who just need a little extra help to understand the critical lifeline available through the ACA Marketplace and how to choose the best plan to meet their needs.”

Navigators offer free assistance to people exploring health coverage options through HealthCare.gov, from reviewing available plans to assisting with eligibility and enrollment forms, and post-enrollment services such as using their coverage to get care. Navigators can also assist people in helping enroll in or renew Medicaid and Children’s Health Insurance Program (CHIP) coverage. Navigators are vetted and trained to provide support for the millions who have enrolled in ACA coverage under the Biden-Harris Administration.

During the plan year 2024 Marketplace Open Enrollment Period, a historic 21.4 million people selected health care plans through HealthCare.gov and State-based Marketplaces, including with the help of Navigators. The Biden-Harris Administration has taken unprecedented action to make health insurance available and affordable to everyone. National estimates show that most consumers qualified for $0 premiums after subsidies or are saving at least $800 a year on their premium, underscoring the importance of expanded subsidies from the American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2022. Overall, four in five HealthCare.gov customers were able to select from health care coverage options that were $10 or less per month after subsidies.

To continue the momentum and encourage smaller community-based organizations to become Navigators, CMS streamlined and simplified the application process this year. CMS also continues to advance critical requirements that Navigators focus their outreach on key underserved groups that have accounted for more than 20% of Marketplace enrollees in recent years. These groups include racial and ethnic minorities; rural communities; the lesbian, gay, bisexual, transgender, intersex, queer/questioning, asexual, plus (LGBTQIA+) communities; refugees; immigrants; families with low income; pregnant and expectant parents; and those who lack transportation, internet access, or English-language proficiency.

For example:

• Rural Health Project, Inc., is a new Navigator grantee that will target 12 rural counties in northwestern Oklahoma - home to one of the largest U.S. populations of citizens from the Marshall Islands. By providing language support in Marshallese, Rural Health Project is one of several Navigator groups working to improve the quality and cultural competency of Navigator services.
• New Navigator grantee Choose Healthy Life will employ a faith-based approach to target 15 counties across South Carolina, many representing Black and African American communities that remain uninsured. Faith-based groups benefit from high levels of trust among community members, and often provide wrap-around services that can address barriers to enrollment, such as childcare, emergency food assistance, and access to other social services.
• Foundation Communities, a returning Navigator organization, uses Census data to identify communities in and around Austin, Texas, that can benefit from assistance enrolling in health care coverage. These often include people with low incomes, as well as racial and ethnic minorities across more than 10 counties. Foundation Communities leverages its research to conduct focused outreach and education, particularly at community health fairs, food pantries, and resident events in affordable housing properties.

To learn more about this year’s Navigator grantees, visit https://www.cms.gov/marketplace/in-person-assisters/programs-procedures/in-person-assistance#Navigators. Consumers in any state, including those that run State-based Marketplaces, can access Navigators by visiting Find Local Help for assistance with their application and more. For additional details on Marketplace Open Enrollment, which will run from November 1, 2024, to at least January 15, 2025 (and longer in some states),visit HealthCare.gov.