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Millennial Finances:
@YoungInvincibleYoungInvincibles.org
facebook.com/together.invincible
Engaging Hard to Reach Populations: Notes from the Field
Who is Young Invincibles?
Agenda
Healthy Young America Campaign
Overview of Immigrant Populations
Outreach Best Practices and Messaging
Tips for Assisters and Navigator
Healthy Young America
Campaign goals: ▫Educate and help enroll 25,000 young adults
nationwide ▫Train partners to effectively reach young adults ▫Reach another 1 million young adults through
digital engagement ▫Increase health care literacy through workshops
and focus groups
Young Adults In Immigrant Communities
According to the latest US Census data, nearly 47% of non-citizens under the age of 35 years old.
In 2010, Mexico, India, and the Philippines were country of birth for majority of immigrants in the US.
In 2011, the median age for refugees arriving in the US was 24 years old.
Immigrants make up over 31% of the uninsured population.
Looking Ahead to OE3
Challenges: Harder to reach populations
“Low hanging fruit” are gone
Less media attention
Timing of open enrollment
Advantages: Experience in OE1 &
OE2
Strong partnerships
Less political stigma
8 million newly insured, 8 million new advocates
Reaching New Partners Colleges and Universities -
International Student Depts Grocery stores and
restaurants Faith Based Organizations Safety Net Programs
Food pantries Utility shut off programs
Free tax preparation programs
ESL Programs Public School Systems Libraries
Accessing Different Communities
It can be difficult to gain trust as an outsider
Take your time! It may require multiple touches
Solutions: • Have several small events like
tabling. Allows you to build trust and consistency
• Start slow and secure trusted sources
• Allow them to become your advocates.
Best Outreach Practice Tip #1
Navigators and CACs in VA canvassed local Korean and Latino grocery stores parking lots during high traffic times to inform consumers about upcoming enrollment events
Best Practice Tip #2 Many times Faith Leaders
are open to additional help and can provide you with language assistance
Research the different places of worship in the community you want to reach
▫ Ex. We wanted to reach the Middle Eastern immigrant population in NoVA for OE2
▫ Enroll VA held events at ADAMS Center and St Mark’s Coptic Church
Best Practice Tip #3 Outreach during Social Events
Locating places where members of these communities meet for fun.
By building a partnership with these community partners it allows you to speak large audience.
Community fairs and Heritage Celebration days usually have committees and have turnouts hundreds of individuals
Messaging Remains the Same
Top message: “low cost plans are available through the marketplace”
Fine amounts in 2015 & 2016 pushes uninsured to enroll
In-person assistance
Financial help WITH income figures
Affordability as top priority
Other Findings Willingness to reduce going out to eat, recreation &
vacation to afford health insurance
90% of Focus Group Participants looked online but did not enroll▫Cost was major barrier ▫21% - problems with website ▫21% - too confusing ▫17% - didn’t find a plan that met my needs▫15% rather pay the fine
Top Reasons to Look for Coverage
All health plans will cover preventive care, doctor visits, hospitalization, prescription drugs, maternity care, mental health care and more services
All plans cover preventive care at no additional cost to you
None of the health plans can deny you based on pre-existing conditions
Messages: Based on Cost Most young adults will find a plan
that is free or subsidized coverage
Highlight stories of consumers with low cost plans Ex: VA young mother & her child got
covered for $17/month
Free preventive services: flu shots, yearly check ups, contraception, HIV/STI screenings, etc.
Keep it real & relate the cost to other monetary items
How much do I pay…
Without Insurance: With Insurance:
First, meet your deductible: $1,000
Then. you pay 30% of the costs
You pay: $5,669.20
You pay the whole cost: Hospital Stay: $13,729 Surgery: $1,986 Anesthesia: $849
Total: $16,564
for a broken leg?
How to Tackle Language Barriers Language
• Many organizations struggle to find materials offered in enough languages to serve their diverse communities
Solutions
• CMS has materials offered in dozens of languages.
• Recruit volunteers through language departments and student groups at local universities
Assisters and Navigators Immigration SEP There are several immigration status
changes that can trigger a SEP
Citizenship and Permanent Resident Status
Individuals have up to 60 days after they’ve received their citizenship or permanent resident status to enroll in coverage.
Other immigration statuses
Individuals who have other major changes in their immigration statuses are also eligible for this SEP.
Ex. Asylee with Work Authorization
Looking Ahead: Year Three
Open Enrollment: November 1st – January 31st
Stay Healthy! Young America Week: October 26th – 31st
• 2016 plans begin:▫ January 1st
• National Youth Enrollment Day:▫ January 21st
