SEC. 205. OUTREACH AND ENROLLMENT OF EXCHANGE-ELIGIBLE INDIVIDUALS AND EMPLOYERS IN EXCHANGE-PARTICIPATING HEALTH BENEFITS PLAN.

[a] In General-

[1] OUTREACH- The Commissioner shall conduct outreach activities consistent with subsection [c], including through use of appropriate entities as described in paragraph [4] of such subsection, to inform and educate individuals and employers about the Health Insurance Exchange and Exchange-participating health benefits plan options. Such outreach shall include outreach specific to vulnerable populations, such as children, individuals with disabilities, individuals with mental illness, and individuals with other cognitive impairments.

[2] ELIGIBILITY- The Commissioner shall make timely determinations of whether individuals and employers are Exchange-eligible individuals and employers [as defined in section 202].

[3] ENROLLMENT- The Commissioner shall establish and carry out an enrollment process for Exchange-eligible individuals and employers, including at community locations, in accordance with subsection [b].

[b] Enrollment Process-

[1] IN GENERAL- The Commissioner shall establish a process consistent with this title for enrollments in Exchange-participating health benefits plans. Such process shall provide for enrollment through means such as the mail, by telephone, electronically, and in person.

[2] ENROLLMENT PERIODS-

[A] OPEN ENROLLMENT PERIOD- The Commissioner shall establish an annual open enrollment period during which an Exchange-eligible individual or employer may elect to enroll in an Exchange-participating health benefits plan for the following plan year and an enrollment period for affordability credits under subtitle C. Such periods shall be during September through November of each year, or such other time that would maximize timeliness of income verification for purposes of such subtitle. The open enrollment period shall not be less than 30 days.

[B] SPECIAL ENROLLMENT- The Commissioner shall also provide for special enrollment periods to take into account special circumstances of individuals and employers, such as an individual who--

[i] loses acceptable coverage;

[ii] experiences a change in marital or other dependent status;

[iii] moves outside the service area of the Exchange-participating health benefits plan in which the individual is enrolled; or

[iv] experiences a significant change in income.

[C] ENROLLMENT INFORMATION- The Commissioner shall provide for the broad dissemination of information to prospective enrollees on the enrollment process, including before each open enrollment period. In carrying out the previous sentence, the Commissioner may work with other appropriate entities to facilitate such provision of information.

[3] AUTOMATIC ENROLLMENT FOR NON-MEDICAID ELIGIBLE INDIVIDUALS-

[A] IN GENERAL- The Commissioner shall provide for a process under which individuals who are Exchange-eligible individuals described in subparagraph [B] are automatically enrolled under an appropriate Exchange-participating health benefits plan. Such process may involve a random assignment or some other form of assignment that takes into account the health care providers used by the individual involved or such other relevant factors as the Commissioner may specify.

[B] SUBSIDIZED INDIVIDUALS DESCRIBED- An individual described in this subparagraph is an Exchange-eligible individual who is either of the following:

[i] AFFORDABILITY CREDIT ELIGIBLE INDIVIDUALS- The individual--

[I] has applied for, and been determined eligible for, affordability credits under subtitle C;

[II] has not opted out from receiving such affordability credit; and

[III] does not otherwise enroll in another Exchange-participating health benefits plan.

[ii] INDIVIDUALS ENROLLED IN A TERMINATED PLAN- The individual is enrolled in an Exchange-participating health benefits plan that is terminated [during or at the end of a plan year] and who does not otherwise enroll in another Exchange-participating health benefits plan.

[4] DIRECT PAYMENT OF PREMIUMS TO PLANS- Under the enrollment process, individuals enrolled in an Exchange-partcipating health benefits plan shall pay such plans directly, and not through the Commissioner or the Health Insurance Exchange.

[c] Coverage Information and Assistance-

[1] COVERAGE INFORMATION- The Commissioner shall provide for the broad dissemination of information on Exchange-participating health benefits plans offered under this title. Such information shall be provided in a comparative manner, and shall include information on benefits, premiums, cost-sharing, quality, provider networks, and consumer satisfaction.

[2] CONSUMER ASSISTANCE WITH CHOICE- To provide assistance to Exchange-eligible individuals and employers, the Commissioner shall--

[A] provide for the operation of a toll-free telephone hotline to respond to requests for assistance and maintain an Internet website through which individuals may obtain information on coverage under Exchange-participating health benefits plans and file complaints;

[B] develop and disseminate information to Exchange-eligible enrollees on their rights and responsibilities;

[C] assist Exchange-eligible individuals in selecting Exchange-participating health benefits plans and obtaining benefits through such plans; and

[D] ensure that the Internet website described in subparagraph [A] and the information described in subparagraph [B] is developed using plain language [as defined in section 133[a][2]].

[3] USE OF OTHER ENTITIES- In carrying out this subsection, the Commissioner may work with other appropriate entities to facilitate the dissemination of information under this subsection and to provide assistance as described in paragraph [2].

[d] Special Duties Related to Medicaid and CHIP-

[1] COVERAGE FOR CERTAIN NEWBORNS-

[A] IN GENERAL- In the case of a child born in the United States who at the time of birth is not otherwise covered under acceptable coverage, for the period of time beginning on the date of birth and ending on the date the child otherwise is covered under acceptable coverage [or, if earlier, the end of the month in which the 60-day period, beginning on the date of birth, ends], the child shall be deemed--

[i] to be a non-traditional Medicaid eligible individual [as defined in subsection [e][5]] for purposes of this division and Medicaid; and

[ii] to have elected to enroll in Medicaid through the application of paragraph [3].

[B] EXTENDED TREATMENT AS TRADITIONAL MEDICAID ELIGIBLE INDIVIDUAL- In the case of a child described in subparagraph [A] who at the end of the period referred to in such subparagraph is not otherwise covered under acceptable coverage, the child shall be deemed [until such time as the child obtains such coverage or the State otherwise makes a determination of the child's eligibility for medical assistance under its Medicaid plan pursuant to section 1943[c][1] of the Social Security Act] to be a traditional Medicaid eligible individual described in section 1902[l][1][B] of such Act.

[2] CHIP TRANSITION- A child who, as of the day before the first day of Y1, is eligible for child health assistance under title XXI of the Social Security Act [including a child receiving coverage under an arrangement described in section 2101[a][2] of such Act] is deemed as of such first day to be an Exchange-eligible individual unless the individual is a traditional Medicaid eligible individual as of such day.

[3] AUTOMATIC ENROLLMENT OF MEDICAID ELIGIBLE INDIVIDUALS INTO MEDICAID- The Commissioner shall provide for a process under which an individual who is described in section 202[d][3] and has not elected to enroll in an Exchange-participating health benefits plan is automatically enrolled under Medicaid.

[4] NOTIFICATIONS- The Commissioner shall notify each State in Y1 and for purposes of section 1902[gg][1] of the Social Security Act [as added by section 1703[a]] whether the Health Insurance Exchange can support enrollment of children described in paragraph [2] in such State in such year.

[e] Medicaid Coverage for Medicaid Eligible Individuals-

[1] IN GENERAL-

[A] CHOICE FOR LIMITED EXCHANGE-ELIGIBLE INDIVIDUALS- As part of the enrollment process under subsection [b], the Commissioner shall provide the option, in the case of an Exchange-eligible individual described in section 202[d][3], for the individual to elect to enroll under Medicaid instead of under an Exchange-participating health benefits plan. Such an individual may change such election during an enrollment period under subsection [b][2].

[B] MEDICAID ENROLLMENT OBLIGATION- An Exchange eligible individual may apply, in the manner described in section 241[b][1], for a determination of whether the individual is a Medicaid-eligible individual. If the individual is determined to be so eligible, the Commissioner, through the Medicaid memorandum of understanding, shall provide for the enrollment of the individual under the State Medicaid plan in accordance with the Medicaid memorandum of understanding under paragraph [4]. In the case of such an enrollment, the State shall provide for the same periodic redetermination of eligibility under Medicaid as would otherwise apply if the individual had directly applied for medical assistance to the State Medicaid agency.

[2] NON-TRADITIONAL MEDICAID ELIGIBLE INDIVIDUALS- In the case of a non-traditional Medicaid eligible individual described in section 202[d][3] who elects to enroll under Medicaid under paragraph [1][A], the Commissioner shall provide for the enrollment of the individual under the State Medicaid plan in accordance with the Medicaid memorandum of understanding under paragraph [4].

[3] COORDINATED ENROLLMENT WITH STATE THROUGH MEMORANDUM OF UNDERSTANDING- The Commissioner, in consultation with the Secretary of Health and Human Services, shall enter into a memorandum of understanding with each State [each in this division referred to as a 'Medicaid memorandum of understanding'] with respect to coordinating enrollment of individuals in Exchange-participating health benefits plans and under the State's Medicaid program consistent with this section and to otherwise coordinate the implementation of the provisions of this division with respect to the Medicaid program. Such memorandum shall permit the exchange of information consistent with the limitations described in section 1902[a][7] of the Social Security Act. Nothing in this section shall be construed as permitting such memorandum to modify or vitiate any requirement of a State Medicaid plan.

[4] MEDICAID ELIGIBLE INDIVIDUALS- For purposes of this division:

[A] MEDICAID ELIGIBLE INDIVIDUAL- The term 'Medicaid eligible individual' means an individual who is eligible for medical assistance under Medicaid.

[B] TRADITIONAL MEDICAID ELIGIBLE INDIVIDUAL- The term 'traditional Medicaid eligible individual' means a Medicaid eligible individual other than an individual who is--

[i] a Medicaid eligible individual by reason of the application of subclause [VIII] of section 1902[a][10][A][i] of the Social Security Act; or

[ii] a childless adult not described in section 1902[a][10] [A] or [C] of such Act [as in effect as of the day before the date of the enactment of this Act].

[C] NON-TRADITIONAL MEDICAID ELIGIBLE INDIVIDUAL- The term 'non-traditional Medicaid eligible individual' means a Medicaid eligible individual who is not a traditional Medicaid eligible individual.

[f] Effective Culturally and Linguistically Appropriate Communication- In carrying out this section, the Commissioner shall establish effective methods for communicating in plain language and a culturally and linguistically appropriate manner.