Texas Court Ruling Throws Future of ACA’s Pre-existing Condition Protections, Coverage Gains into Doubt

A district court judge in Texas has issued a ruling that could throw close to one-fifth of the U.S. economy into chaos and upend health care for millions. While the case over the future of the Affordable Care Act wends its way through the courts, CHIR takes a moment to think about what the decision could mean for the consumers and families for whom the law has been a literal lifeline. Continue reading

State Insurance Department Consumer Alerts on Short-Term Plans Come Up Short

Open Enrollment for 2019 has ended in most states, but consumers are sure to be bombarded with sales pitches for alternative insurance products well beyond the December 15th deadline. Short-term plans are often marketed as lower-priced substitutes for ACA-compliant coverage, even though they cover far less. Since the Trump administration lowered federal guardrails on short-term plans, it has become particularly important for state insurance departments to highlight the limitations of these products. CHIR looked at insurance department websites to see what information was available for consumers regarding short-term plans. Continue reading

Large Employer Strategies to Combat Increasing Healthcare Costs: Trends in Direct Contracting, On-Site Clinics and More

Employers currently insure 155 million people, but many are finding it increasingly challenging to maintain this benefit in the face of rising costs. One of the primary drivers of these costs is high provider prices. Some employers are taking matters into their own hands by disrupting traditional modes of care delivery. CHIR’s Emily Curran takes look at some of the tactics that have been gaining traction among employers. Continue reading

In the Wake of New Association Health Plan Standards, States are Exercising Authority to Protect Consumers, Providers, and Markets

States have begun to respond to the Trump administration’s new rules for association health plans with a wide range of regulatory strategies. In their latest post for the Commonwealth Fund’s To the Point blog, CHIR researchers analyzed how states are using their authority to set association health plan standards and protect consumers, providers, and their markets. Continue reading

New Georgetown Report: Assessing the Effectiveness of State-Based Reinsurance

As state legislatures across the country prepare to convene in 2019, improving access to affordable health coverage will likely be on the agenda. Several newly elected officials have expressed an interest in establishing a state reinsurance program, following in the footsteps of a handful of states who have utilized the Affordable Care Act’s 1332 waivers for this purpose. As reinsurance gains ground as a state-level effort to promote market stability, stakeholders can learn from the experience of states that have already implemented reinsurance programs. In a new report from Georgetown, authors Rachel Schwab, Emily Curran, and Sabrina Corlette evaluate progress in the three states that have operational reinsurance programs: Alaska, Minnesota, and Oregon. Continue reading

Navigator Guide FAQ of the Week: Can Insurers Ask About Your Health History?

With just one month left in the open enrollment period for most of the Affordable Care Act’s marketplaces, we’ve updated our Navigator Resource Guide to reflect all of the federal health policy changes that have occurred over the last year and have provided answers to hundreds of frequently asked questions (FAQs). In light of the recent wave of health care-related robocalls from scammers, our FAQ of the Week focuses on: Is an insurer allowed to ask me about my health history? Continue reading

Navigator Guide FAQ of the Week: Eligibility for Premium Tax Credits

The midterm elections are over, but open enrollment for the Affordable Care Act marketplaces is in full swing. Georgetown CHIR has created a Navigator Resource Guide with 300+ answers to frequently asked questions (FAQ) about marketplace eligibility, enrollment, and coverage. For our FAQ of the Week we’re focusing on: Who is eligible for financial help with premiums? Continue reading