HealthCred Care
A public-safety petition · 2026
Private-sector initiative · Not a government website
Time-sensitive days until Plan Year 2027 open enrollment — the pathway must be in guidance first
Petition for Pre-Trial Coverage Protection

Held, not convicted — and still eligible.

People held before trial haven't been convicted of anything — and federal law already lets them carry the coverage that pays their medical bills, instead of the county. This petition asks federal regulators to keep that door open — and to count the booking record for what it is: identity verified in person, against government records.

FEDERAL LAW, AS WRITTEN SINCE 2010
Among the signatories: Cory Godwin, Florida Sheriffs Association · David Burck, FL CD-22 · the HealthCred founding team — see the signatory wall
OPEN
the signature roll is accepting names for the record

Open to sheriffs, jail administrators, county officials, correctional professionals, and the public.

At a glance

The gap is not eligibility. The gap is the pathway.

Federal law already preserves Marketplace eligibility for qualifying people held pending the disposition of charges. What's missing is operational: recognition of the booking record — identity verified in person, against government records — and protection of the enrollment pathway that puts coverage in place the day someone walks out.

IN CUSTODY held pending trial Identity verified at booking Charges remain pending Medical care begins immediately County carries most medical costs Every dollar competes with patrol and staffing ONE VERIFIED PERSON STEP 01 Booking record STEP 02 Eligibility confirmed STEP 03 Enrollment completed STEP 04 Coverage activeat release THE CORRECTIONAL PATHWAY CMS IS ASKED TO RECOGNIZE IN THE COMMUNITY continuity and reentry Release officially documented Special enrollment pathway at release Treatment continues without interruption Prescriptions and appointments follow More stable reentry for the person coming home IN CUSTODY held pending trial Identity verified at booking Charges remain pending Medical care begins immediately County carries most medical costs Every dollar competes with patrol and staffing ONE VERIFIED PERSON STEP 01 Booking record STEP 02 Eligibility confirmed STEP 03 Enrollment completed STEP 04 Coverage active at release THE CORRECTIONAL PATHWAY CMS IS ASKED TO RECOGNIZE IN THE COMMUNITY continuity and reentry Release officially documented Special enrollment pathway at release Treatment continues without interruption Prescriptions and appointments follow More stable reentry for the person coming home

Recognize the booking record·Preserve eligibility·Protect continuity

The record

Three facts, one gap.

Fiscal

Counties pay first for care the law ranks them last to pay.

The Medicaid Inmate Exclusion (Social Security Act §1905(a)) has barred federal Medicaid participation for inmates of public institutions since 1965 — conviction or no conviction. But for the coverage many detainees already carry, state law writes the payment order the other way. Florida Statute §901.35 — with similar cost-responsibility provisions in a number of states — makes an arrestee's medical costs the arrestee's own responsibility, directs providers to seek payment first from insurance or other health coverage, and reaches the county general fund only when no other source is available. It even requires an arrested person with coverage to assign those benefits to the treating provider. The gap is operational: at booking, nobody can see the coverage — so "not available" becomes the default, and the general fund quietly absorbs bills it was written to pay last. Verify coverage at intake, and the hospital bills the plan instead — care gets paid the way the statute orders it: coverage first, county last. This is not a theory. In its own review of Fiscal Year 2024–25 medical billing, the Lee County Sheriff's Office documented $5,976,106 in insurance savings — and roughly one in four detainees requiring hospital care arrived at the hospital with an active policy already in hand. Those figures are the county's own, a matter of Florida public record; they are cited here as fact, and their citation implies no endorsement of this petition by any agency. And for detainees who are eligible but unenrolled, the lawful Marketplace pathway this petition protects widens that same channel. Recovered dollars go back to the county budget — available for deputies, correctional staff, and communications officers, not deficits.

TODAY The county pays the hospital bills,though ranked last by law STEP ONE Detect & verify existing coverage foundbenefits assigned by law STEP TWO Coverage pays first the hospital bills the plan,not the general fund RETURNED TO Public safety deputies · correctionalstaff · dispatch TODAY The county pays the hospital bills,though ranked last by law STEP ONE Detect & verify existing coverage foundbenefits assigned by law STEP TWO Coverage pays first the hospital bills the plan,not the general fund RETURNED TO Public safety deputies · correctionalstaff · dispatch
Legal

Federal law is already on the counties' side.

The Affordable Care Act excludes incarcerated individuals from the Marketplace — except those held "pending the disposition of charges." Pre-trial detainees are not "incarcerated" for Marketplace purposes, and release from custody is a qualifying event for enrollment. That is the statute as written, not a workaround.

ACA §1312(f)(1)(B) Incarcerated after conviction excluded from Marketplace coverage THE STATUTE’S OWN EXCEPTION Held pending disposition of charges remains eligible for qualified health plans RELEASE FROM CUSTODY = QUALIFYING EVENT ACA §1312(f)(1)(B) Incarcerated after conviction excluded from Marketplace coverage THE STATUTE’S OWN EXCEPTION Held pending disposition of charges remains eligible for qualified health plans RELEASE FROM CUSTODY = QUALIFYING EVENT
Policy

New integrity rules haven't reached the one place identity is verified best.

Since 2025, federal rulemaking has raised verification standards across every consumer enrollment channel. Yet current guidance is silent on the correctional environment — where the detaining agency verifies every identity at booking, in person, against government records. That silence is the gap this petition closes.

ANY CONSUMER CHANNEL identity self-attested by the applicant remote identity proofing (RIDP) one-time passcodes by phone or email CORRECTIONAL BOOKING in person, face to face performed by the detaining agency checked against government records VS ANY CONSUMER CHANNEL identity self-attested by the applicant remote identity proofing (RIDP) one-time passcodes by phone or email VS CORRECTIONAL BOOKING in person, face to face performed by the detaining agency checked against government records
The instrument

A resolution fit for adoption.

Before the Centers for Medicare & Medicaid Services · CCIIO · the State and County Associations
To the President and the Congress of the United States

Resolution in Support of Pre-Trial Coverage Protection

Presented in the year two thousand twenty-six

Whereas, county governments bear, apart from narrow inpatient exceptions, the full cost of medical care for individuals held in county jails, the majority of whom are detained pre-trial and have not been convicted of any crime; and

Whereas, the Medicaid Inmate Exclusion, Social Security Act §1905(a), has barred federal Medicaid participation for inmates of public institutions since 1965, without regard to conviction status; and

Whereas, the Affordable Care Act, at §1312(f)(1)(B), excludes from Marketplace eligibility only individuals incarcerated "other than incarceration pending the disposition of charges," such that pre-trial, non-sentenced detainees remain eligible for qualified health plans, and release from custody constitutes a qualifying event for enrollment; and

Whereas, enrollment of eligible non-sentenced detainees permits counties to recover the cost of medical services from qualified health plans, freeing recovered funds for correctional staffing, deputy hiring, and the core public-safety mission of local government; and

Whereas, the identity of every detainee is verified by the detaining agency at booking — in person, against government records — a standard of verification more rigorous than any consumer enrollment channel, and enrollment through a county-managed process leaves no room for the self-attested identities that drive fraudulent applications; and

Whereas, the National Association of Counties and the National Sheriffs' Association have jointly urged relief from the fiscal burden of detainee healthcare and continuity of coverage that supports reentry; and

Whereas, state-based marketplace enrollment procedures and agent-of-record workflows for correctional environments are in active development, demonstrating that this pathway is operationally practicable now; and

Whereas, the Marketplace Integrity and Affordability Final Rule (June 2025), the 2027 Payment Notice (CMS-9883-F, effective July 20, 2026), and Public Law 119-21 §71303 (plan year 2028) together raise verification standards that Marketplace guidance does not yet address for the correctional environment;

Now, therefore, the undersigned sheriffs, jail administrators, county commissioners, correctional healthcare professionals, and residents respectfully petition and resolve:

FIRST — that CMS and the Center for Consumer Information and Insurance Oversight adopt, in Plan Year 2027 guidance, a correctional-environment verification pathway recognizing booking-time identity verification performed by detaining agencies as satisfying Marketplace verification requirements;

SECOND — that the Congress and CMS preserve Marketplace eligibility for pre-trial, non-sentenced detainees under ACA §1312(f)(1)(B), and the release-based special enrollment pathway, in all future rulemaking and legislation; and

THIRD — that the National Sheriffs' Association and the National Association of Counties — together with their counterpart associations in every state — formalize letters of support and transmit this resolution to their memberships.

In witness whereof, the undersigned present this Resolution, under the seal affixed below, this 24th day of July, two thousand twenty-six, in the year of the two hundred fiftieth anniversary of American independence, and respectfully submit it for adoption and transmittal.

Chad R. LaBoyChad R. LaBoy · President & CEO, HealthCred Care
Steve CaseySteve Casey · Senior Advisor, HealthCred Care
Given under the seal of the petition · the signatures collected below join the transmitted record.
Why now

The regulatory clock is running.

UNTIL PLAN YEAR 2028 ENROLLMENT OPENS UNDER §71303 · NOVEMBER 1, 2027
DAYS:HRS:MIN:SEC
The Plan Year 2027 guidance window has been open days. Signatures gathered now can be transmitted while the guidance window is open.
JUN 2025

The integrity era begins.

CMS's Marketplace Integrity and Affordability Final Rule ends income-based special enrollment and tightens the front door of the Marketplace. Enrollment anchored to a verified custody event — booking and release — is precisely the model the new era rewards.

JUL 20, 2026

The 2027 Payment Notice takes effect.

CMS-9883-F is now in force, and the Plan Year 2027 guidance window is open. This is the moment to place a correctional-environment verification pathway into guidance — not after the rules harden.

PLAN YEAR 2028

The §71303 verification deadline arrives.

Public Law 119-21 §71303 sets a hard verification deadline. Without a recognized pathway for facility-verified identity, eligible non-sentenced detainees — the most rigorously identified applicants in the system — fall through on a technicality.

2026 STANDARD

Professional standards already point here.

NCCHC Standard E-10 (2026) makes discharge planning with coverage linkage the professional standard of care in correctional health. Policy should not lag the standard of care.

Entered for the record

What it costs if this window passes without action.

The bills stay where they land today: on the county. An eligible-but-unenrolled detainee's hospital care is a general-fund invoice for care a qualified health plan could have carried. One county's own review documented $5,976,106 in insurance savings in a single year — and every county without a booking-time pathway is already carrying its own version of that cost. Lee County is simply the one that measured it.
The uncovered majority stays uncovered. Fewer than one in four detainees with medical bills in that review had coverage in place. For a person in custody — where federal law has barred Medicaid participation since 1965 — this enrollment pathway is what closes that gap. Beginning with Plan Year 2028, §71303 requires income, immigration status, existing coverage, residence, and family size to be verified before enrollment; how any of that is meant to work from inside a correctional facility is not yet written. That is what the open guidance window is for — and what is lost if it passes.
Release without coverage feeds the cycle. NACo and the NSA have argued for years — in their fight over the Medicaid inmate exclusion — that coverage stripped at booking, before any conviction, is followed by worse mental-health and substance-use outcomes after release. The research they cite links untreated reentry to higher re-arrest rates: another booking, another stay, another bill, again at county expense.
The best-verified applicants go uncredited. The integrity rules of 2025 and the verification statute of 2028 exist to stop self-attested fraud. Booking verification is the opposite of self-attestation — identity confirmed in person, against government records. Without recognition in guidance, that verification simply isn't credited at enrollment, and the burden falls on the one channel that verified identity correctly in the first place.
None of this requires new law to prevent. It requires guidance — while the window is open.

County figures: Lee County Sheriff's Office FY 2024–25 review — a Florida public record, cited without endorsement. The coverage rate is stated conservatively: LCSO reported 18%; the underlying counts (247 of 1,100 billed) compute to 22.5%. Both are under one in four.

Steve Casey
“Payment for inmate medical care through Medicaid and Medicare has been off the table for decades. Coverage for non-sentenced detainees is not — and the survival of this program is critical to the success of every sheriff and county jail in the country.”
Steve Casey · Former Executive Director, Florida Sheriffs Association · Senior Advisor, HealthCred Care
Al Lamberti

Sheriff of Broward County, Florida, 2007–2013, following a three-decade career with the Broward Sheriff’s Office — the county-jail fiscal case in this petition is the one his office lived.

Al Lamberti · Former Sheriff, Broward County, Florida · Senior Advisor, HealthCred Care
The signatory wall

The names behind the counties.

Signatories who opt in appear here — photographed, titled, and signed. Every card is consented and reviewed before it displays.

Chad R. LaBoy

Chad R. LaBoy

President & CEO · HealthCred Care
XChad R. LaBoy
Nolan Weeks

Nolan Weeks

EVP, Operations · HealthCred Care
XNolan Weeks
Carlos Torres

Carlos Torres

EVP, Insurance · HealthCred Care
XCarlos Torres
Aaron Behar

Aaron Behar

Chief Legal & Operations Officer · HealthCred Care
XAaron Behar
Josh Waites

Josh Waites

Director, IT & Automation · HealthCred Care
XJosh Waites
Steve Casey

Steve Casey

Fmr. FSA Executive Director · Senior Advisor, HealthCred Care
XSteve Casey
Al Lamberti

Al Lamberti

Fmr. Sheriff, Broward County · Senior Advisor, HealthCred Care
XAl Lamberti
Cory Godwin

Cory Godwin

Jail Services Coordinator · Florida Sheriffs Association
XCory Godwin
David Burck

David Burck

Congressional Candidate · FL CD-22
XDavid Burck

FOUNDING TEAM · SENIOR ADVISORS · SIGNATORIES · EACH CARD PUBLISHED WITH WRITTEN CONSENT · STYLIZED SIGNATURE RENDERINGS ONLY

Titles and agencies are shown for identification only; listing an individual does not constitute endorsement by any agency or association.

Signature roll open · the public count publishes at 100 signatures
Why sign

What a signature protects.

Cost recovery

Dollars back to public safety.

Every claim a health plan pays is a cost the county taxpayer no longer carries. Every recovered medical dollar is a dollar available to hire and equip correctional staff, deputy sheriffs, and communications officers — so the primary duty of local government, public safety, is carried out efficiently and effectively.

Program integrity

Verification the way CMS wants it.

Identity is established by the detaining agency at booking — never by an enrollment vendor, never by self-attestation. A county-managed process doesn't just resist fraudulent applications; it removes the self-attestation channel fraud comes through.

Continuity of care

Coverage at release is reentry infrastructure.

NACo and the NSA have argued that stripping coverage at the jailhouse door — before any conviction — worsens mental health and substance-use outcomes. Research points the same way: continuity of coverage supports successful reentry.

Add your name

Sign the petition.

Verified signatures are collected for transmittal under this petition's letterhead to the offices below.

Federal regulators

The Centers for Medicare & Medicaid Services and the Center for Consumer Information and Insurance Oversight, in the open Plan Year 2027 guidance window.

Congress

Health staff for the House and Senate offices representing the counties our partner facilities serve.

The associations

The National Sheriffs’ Association and the National Association of Counties — with the request that each formalize a letter of support, and an open invitation to their state counterpart associations to weigh in.

Disclosure

HealthCred Care, LLC — the sponsor of this petition — is a licensed insurance agency. When an eligible individual enrolls in Marketplace coverage, HealthCred is compensated by insurance carriers through standard agent commissions. The changes this petition requests would expand lawful enrollment, and HealthCred benefits commercially when that happens — alongside the counties whose medical costs fall. That interest is stated here, plainly and up front, so every signer can weigh it.

Drawn signatures are kept in the private transmittal record only. The public wall — if you opt in below — displays a stylized rendering of your name, never your handwritten autograph.

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