After income, the system can capture the remaining information for a complete application; this is either program-specific questions that are presented only where applicable, or asked of all applicants as the information is required to help screen for non-MAGI Medicaid.
To present program-specific questions it is necessary at the start of this section to run rules for each applicant in the household to determine whether they are eligible for Medicaid/CHIP (assuming any outstanding verifications are resolved) or potentially eligible for Insurance Assistance. If any of the applicants are eligible for Medicaid/CHIP, then a page will be displayed which can be used to ask questions of those applicants which are specific to those programs. Currently this displays a single question about the applicant's medical bills for the last 3 months, but states may want to add their own questions on top of that.
If there are any applicants who are potentially eligible for Insurance Assistance, then other pages which ask questions specific to that program are asked of those applicants, for example, incarceration and access to employer-sponsored coverage. The answers to these follow-up questions will be used by the rules which are run at the end of the script to determine actual eligibility for Insurance Assistance.
For Medicaid-eligible individuals, avoiding the insurance assistance questions is very beneficial. An individual potentially eligible for insurance assistance will be asked for details about their access to employer-sponsored insurance. If eligible for employer-sponsored insurance they are further asked about the cost of that insurance and the contribution made by the employer. This information is necessary for the affordability test which checks whether the cost of the insurance offered to the employee, after taking into account the available contribution, represents greater than 9.5% of the individual's household income. If it does, then the coverage is not considered affordable and therefore that employee may be eligible for premium tax credits and cost-sharing reductions that they would otherwise be ineligible for. If they are already enrolled in employer-sponsored coverage then it is by implication considered affordable. All of this information is of no relevance to those eligible for Medicaid, therefore will not be displayed unless relevant for the applicant or a member of his tax household.
After program-specific questions have been captured, a page is displayed at the end of the script which asks questions about each applicant in the household regardless of what program they might be eligible for, the answers to which are used to screen for non-MAGI Medicaid on the results page. These questions identify whether anyone is blind, disabled or in need of assistance with their daily needs; the ACA clarifies that these MAGI-excepted individuals must follow the traditional Medicaid application process - a link to that traditional Medicaid application process is available from the HCR eligibility results page.