Category Archives: Uncategorized

Update on ACA Marketplace enrollment

December 23, 2025

Given the horrendous uncertainty about ACA Marketplace plans, we at CCHCC wanted to provide you with some important updates. These updates are for individuals and families who get their health insurance through the Marketplace.

1. Illinois residents should now be shopping for health insurance Marketplace plans at Get Covered Illinois!
The state of IL is now running its own Marketplace, and is no longer using the federal Marketplace known as Healthcare.gov. Illinois residents who are shopping for Marketplace plans will now shop at https://getcovered.illinois.gov/

2. Congress has failed to extend the Enhanced Premium Tax Credits that helped make Marketplace plans more affordable for millions of Americans.
Unfortunately, both the House and the Senate failed to pass legislation that would extend the Enhanced Premium Tax Credits for ACA Marketplace plans. And Speaker of the House Mike Johnson sent the House members home early, so no vote is expected any time soon.

These Enhanced Premium Tax Credits first went into effect in 2021, and they helped increase enrollment in Marketplace plans from 11 million Americans to over 24 million Americans. That’s how helpful this form of financial assistance has been!

CCHCC will continue to join with local, state, and national organizations from across the country to continue to advocate for the passage of legislation to extend these tax credits. We will keep you update on any developments in the new year.

3. Premium tax credits ARE still available for Marketplace plans, depending on enrollees’ incomes.
Some people will STILL benefit from the standard Premium Tax Credits, even though the Enhanced credits were not extended. It still worth shopping around to see what you might be eligible for.

4. It is STILL worth shopping for Marketplace plans to see what is available. Amazingly, some Gold plans in our area are extremely affordable.
Much to our amazement, we have seen that some Gold plans are extremely affordable, depending on people’s incomes. So, if you are shopping for a Marketplace plan, please be sure to look at ALL the metal tiers of coverage. Many Silver plans are exceedingly expensive (because the government subsidies for those specific plans have gone away), but even if a Silver plan is very expensive, it does not mean that a Gold plan will be.

READ ON!

December 2025 – Give the gift of health, and hope!

“They gave me hope again. You’re next!” – Mr. S

December 10, 2025

2025 has been a brutal year, and more pain is ahead as people face the prospect of losing benefits that are essential to their daily lives and survival. The partisan budget bill (the “One Big Beautiful Bill Act”) that was passed and signed into law on July 4, 2025 is already causing harm and chaos nationally, and in our own community, with much worse to come. 

But Champaign County Health Care Consumers (CCHCC) is on the front lines, delivering the services that are essential for the lives and well-being of our community members, and advocating and organizing against harmful federal policies.

Over the years, CCHCC has grown in our ability and expertise to help community members from diverse backgrounds enroll in a wide variety of health insurance and public programs because we saw the need for these services in our community. CCHCC is the only organization in Champaign County that can help enroll community members in all forms of health insurance – whether that be Medicaid, Marketplace, or Medicare and Medicare-related programs. Beyond health insurance, CCHCC also helps with public benefits such as Medicare Extra Help, Medicare Savings, SNAP, Township General Assistance, LIHEAP, hospital financial assistance, and Disability benefits (SSI and SSDI). And, our services are free! 

Among the most vulnerable in our community are people who literally have nothing – no home, no income, no regular healthcare, no food, no support. The lives of people in these circumstances can be improved! But it takes hard work, special skills and knowledge, and the ability to establish trust with people who are disenfranchised. CCHCC does this work every day, in our office and out in the community.

This client story from Babatunde, CCHCC’s Director of Health & Disability Policy, gives a small window into the work that we do: “I began working with Mr. S in April. He had already applied for Social Security Disability benefits five times before, all unsuccessfully. By the time he reached out to our office, he was completely discouraged. He openly expressed that he had zero hope and was already mentally preparing for yet another appeal before we had even submitted anything.

Despite his doubts, we moved forward with his case. I worked closely with him to gather the necessary documentation, build a strong application, and ensure every detail was in place. This month, Mr. S was approved for SSI, and he received a significant backpay award.

When he got the news, he was in disbelief. He kept repeating how he never thought he would be approved, and that this was truly going to be his last attempt. The approval has not only brought him financial relief, but it has also restored his hope.

In fact, he was so moved by the outcome that he immediately referred his best friend, who is also in need of SSI support, to our office. He told his friend, ‘They gave me hope again. You’re next.’

It’s moments like this that remind me of the impact our work has—not just on individual clients, but on the people and communities connected to them. What began as a case filled with discouragement and doubt turned into a powerful reminder of the importance of persistence, compassion, and support.”

Our numbers speak for themselves. This year, CCHCC’s Disability Application Services Team has helped dozens of community members who had no income and no ability to work, secure disability benefits. Our team’s work has resulted in new monthly income totaling almost $49,000. Many of our clients also received “lump sum backpays” of disability income, totaling over $230,223. This is income coming to our community members to help them not only survive, but get housed and get their basic needs met. And this income also benefits our local economy because these moneys are spent locally.

CCHCC is one of the only non-profit community-based organizations in the nation that provides free help with Disability applications. Disability programs such as SSI and SSDI are incredibly difficult to apply for, and the rates of approval are dismal. But once someone qualifies for these benefits, they will have guaranteed monthly income to live on, and greater stability with housing and basic needs. CCHCC is the only organization in Champaign County that provides this free service to the public at large.

Our services meet the needs of our community’s diverse populations, including immigrants, seniors, and individuals with disabilities. In Champaign County, we have growing populations of low-income immigrants, seniors, and individuals living with disabilities who need help with health insurance, health care, and public benefits. Our work helping people apply for public benefits such as Medicaid, SNAP, Medicare Extra Help, Medicare Savings, AABD, disability programs like SSI and SSDI, and so on, is helping to create better financial stability for low-income individuals in these diverse population groups. Several CCHCC staff members are bi-lingual and are able to serve non-English speaking community members. And, as program requirements change, and benefit cuts are enacted, our work to help community members will continue – both in the form of direct services to help people survive, and in the form of advocacy and community organizing efforts as we partner with state and national organizations to prevent harm from deleterious policy changes.

Please consider making a contribution to help support CCHCC’s ongoing work to enroll as many community members as possible in affordable health insurance and vital public benefits. The work we do can help stabilize community members’ health, and their financial lives. And in turn, we need your help! Please consider making a year-end financial contribution to support CCHCC’s work.

Thank you for your support! We appreciate your financial support for our work. Together, we are building a stronger, healthier community – together, we are giving the gift of health, hope, and security!

Support CCHCC!

Sincerely,
Claudia Lennhoff
Executive Director
Champaign County Health Care Consumers


Medicare Open Enrollment – Important Updates

November 25, 2025

CCHCC has important updates for anyone who is looking for help with Medicare Open Enrollment. The last day of Medicare Open Enrollment is December 7, 2025.

No more appointments are available with CCHCC or other SHIP sites – What you need to do instead:

SHIP stands for State Health Insurance (Assistance) Program. CCHCC is one of two SHIP organizations in Champaign County, and both are totally full and have no more appointments available this year.

For those who are still needing help with Medicare Open Enrollment, we are now recommending that you call the Medicare Helpline at 1-800-MEDICARE (1-800-633-4227) / TTY 1-877-486-2048.

We are disheartened to have to be turning community members away due to lack of appointment availability and we continue to strive to help every person we possibly can. Please see below for important information.

If you end up in an Advantage plan that does not work for you, you CAN change plans!

Here is a little known fact:  Anyone who ends up in a Medicare Advantage plan that does not work for them, has the option to switch advantage plans during the “Annual Enrollment Period” from January 1 to March 31.

To anyone who wasn’t able to obtain an appointment with CCHCC or another SHIP counselor this year, and to anyone who is generally nervous or uncertain of your decision: Please don’t hesitate to call us at the first of the year in 2026 to review your plan and double-check that it’s the one you that will work for you. Our community is going through a huge shift next year, and it can be nerve-wracking to switch insurance companies. We are more than happy to look over your decision during the Annual Enrollment Period and help you obtain some peace of mind.

Regarding Health Alliance Medicare Advantage plan members:
We have received several inquiries about the time you have available to choose a new plan for 2026 if you are a current Health Alliance Medicare Advantage plan member.

There are some special circumstances that apply to Health Alliance Medicare Advantage Plan members, since Health Alliance is going away.

READ ON!

CCHCC featured in KFF article on Medicare Advantage plans

November 20, 2025

Susan Jaffe from KFF Health News just published an article today titled “Complaints About Gaps in Medicare Advantage Networks Are Common. Federal Enforcement Is Rare”.

The article features CCHCC (along with other organizations in other parts of the country) and a situation that happened in 2016 involving WellCare and their failure to maintain an adequate network when Christie Clinic left the plan’s network.

CCHCC’s Executive Director, Claudia Lennhoff, is quoted in the article.

Here is the article:
https://kffhealthnews.org/news/article/medicare-advantage-insurance-network-adequacy-standards-cms-federal-enforcement/

CCHCC continues to monitor network issues involving Medicare Advantage plans offered locally.

Medicare Advantage (and Part D) Open Enrollment ends on December 7, 2025.

If you would like to make a contribution to CCHCC, you do it online here:

Support CCHCC!

As always, thank you for your support!

Sincerely,
Champaign County Health Care Consumers

Wednesday at 3pm – Rep. Budzinski and CCHCC ACA Open Enrollment Webinar

November 4, 2025

Tomorrow – Wednesday, November 5 at 3 p.m. – U.S. Representative Nikki Budzinski is hosting a webinar focused on ACA Marketplace Open Enrollment in Illinois.

Congresswoman Budzinski will be present for the webinar and she will share her thoughts and insights regarding the termination of the enhanced premium tax credits, and about the ACA marketplace Open Enrollment.

The webinar will also feature Adani Sanchez and Claudia Lennhoff from CCHCC, to present information on how to navigate ACA Marketplace Open Enrollment in Illinois.

The webinar will be held over Zoom.

Please see below for details:

You are invited to a Zoom webinar on the ACA Marketplace Open Enrollment.
When
: Nov 5, 2025 03:00 – 4:00 PM Central Time (US and Canada)
Topic: Rep. Budzinski ACA Open Enrollment Webinar
 
To join the webinar:
Please click the link below to join the webinar:
https://ushr.zoomgov.com/j/1612042135?pwd=J6cX0e5aNOdupg5dNQT0k0v1i58taz.1
Passcode: 103790

We hope to see you there!

Sincerely,
Champaign County Health Care Consumers