House Hearings Shed Light on a Key Policy Priority: Protecting People with Pre-Existing Conditions

After becoming a rallying cry in the midterm elections, pre-existing condition protections have taken center stage on Capitol Hill: in January and February, the House of Representatives held three hearings about protecting people with pre-existing conditions, before the Ways & Means Committee, the Education & Labor Committee, and the Energy & Commerce Subcommittee. As the ACA faces legal challenges in federal court, these proceedings set the scene for how this policy debate will play out in Congress and offer insight into potential legislative action. Continue reading

Stakeholders Respond to the Proposed Health Reimbursement Arrangement Rule. Part I: State Insurance Departments and Marketplaces

In October 2018, the Trump administration proposed rules to expand the use of health reimbursement arrangements (HRAs) by loosening current federal limitations. The administration’s proposal would allow employers to offer employees the tax-advantaged accounts to assist with health care expenses, including premiums, in lieu of employer-sponsored coverage. To understand the potential impact of the proposals, CHIR reviewed comments from various stakeholder groups. For the first blog in our series, Rachel Schwab summarizes comments from state marketplaces and state insurance departments. Continue reading

Short-Term Health Plans Sold Through Out-of-State Associations Threaten Consumer Protections

The expansion of short-term policies has raised concerns that they may be deceptively marketed, with some sellers leading consumers to believe they are buying a comprehensive policy when they are not. While twenty-four states have sought to regulate short-term plans, their efforts may be undermined by a loophole that allows the policies to be sold through out-of-state associations – a practice we found to be quite common. Continue reading

It’s All About the Rating: Touted “Benefits” of Association Health Plans Ignore Key Facts

A recent Washington Post article touted the emergence of association health plans under recent Trump administration rules, noting their lower cost and generous benefits. But the truth is more complicated, as CHIR experts Kevin Lucia and Sabrina Corlette point out, noting that AHPs often rely on medical underwriting and low “teaser” rates to lure new members. As a result, history is littered with insolvencies and even fraud connected to these arrangements. Continue reading

Affordable Care Act Navigators: Lack of Funding Leads to Consumer Confusion, Decreased Enrollment

Last year, we talked with Navigators to learn about how they reached consumers despite major funding cuts. In light of a number of new policy changes and further funding decreases, CHIR’s Olivia Hoppe checked in with Navigators and assisters from five states on how they fared in this year’s Open Enrollment, and the challenges ahead. Continue reading