By NextBestFitPhase 3: Waves 2 & 3: working-age adults · Step 3.5
Close the ACA Marketplaces
End of Year 3 · CMS CCIIO; state exchangesDiscuss this step
Every concrete action this step requires, who is responsible, and when it happens relative to enactment.
| # | Action | Owner | When | Trade-off |
|---|---|---|---|---|
| 3.5.1 | Final open enrollment covers only people under 35 for Year 3. | CMS / states | Year 2 | Restricting final enrollment to under-35s is simple but risks an unstable last-year market. |
| 3.5.2 | Transfer state exchange staff and call centers to UHA regional help lines where possible. | States / UHA | Year 3 | Transferring exchange staff preserves expertise but may not match UHA's staffing needs. |
| 3.5.3 | Final reconciliation of premium tax credits on Year-3 tax returns. | IRS | Year 4 | Final reconciliation closes the books but leaves some households with repayment surprises. |