Stakeholders React to HHS’s Notice of Benefit and Payment Parameters for 2020. Part 2: State Insurance Departments and Marketplaces

The final Notice of Benefit and Payment Parameters for 2020 is expected any day. In January, the Department of Health and Human Services proposed changes that it plans to apply to the Affordable Care Act marketplaces and insurance rules, and received over 26,000 comments on the proposal. To gauge stakeholder reactions, CHIR reviewed a sample of these comments. In the second part of our blog series, Rachel Schwab summarizes responses from a selection of state insurance departments and state-based marketplaces. Continue reading

New Study: Consumers Don’t Understand That Short-term Plans Lack Protections, Benefits

A study commissioned by consumer representatives to the National Association of Insurance Commissioners (NAIC) finds that consumers face significant challenges understanding the limitations of short-term health plans. These plans, championed by the Trump administration as a cheap alternative to ACA coverage, can leave consumers facing significant out-of-pocket costs if they have an unexpected medical event. Continue reading

What Does the Latest Federal Court Decision Mean for Association Health Plans – and the States that Regulate Them?

On March 28, 2019, a federal district court invalidated the Trump administration’s rule encouraging the formation of association health plans that would be exempt from many Affordable Care Act protections. In her latest “Expert Perspective” for the Robert Wood Johnson Foundation’s State Health & Value Strategies project, CHIR’s Sabrina Corlette provides an update on the court ruling and implications for state insurance departments. Continue reading

Affordable Care Act Back in the Spotlight: Build on its Progress or Scrap it Entirely?

It is hard to find a starker example of the different approaches our two political parties take to health care than the events of March 26, 2019. CHIR’s Sabrina Corlette breaks down the Trump administration’s push to have the Affordable Care Act declared unconstitutional and a comprehensive bill to expand coverage and improve affordability, introduced just hours later by leaders in the U.S. House of Representatives. Continue reading

Trump Administration Pushes for Sale of Insurance Across State Lines

Recently, the Trump administration issued a request for information (RFI) seeking recommendations on ways to facilitate the sale of insurance across state lines, allowing insurers to bypass the insurance standards of states that have strong consumer protections and benefit requirements by headquartering in a state with few regulations in place. The policy is often touted as a way to reduce the cost of coverage and improve consumer choice, but states and insurers have been reluctant to embrace it. A CHIR study conducted after the ACA was signed into law sheds light on why. Continue reading

What, if Anything, Do the Latest Cost Sharing Reduction (CSR) Court Rulings Mean for 2020 Premiums?

The federal government could be on the hook for billions of dollars in reimbursement to insurance companies, if recent court decisions relating to the elimination of the ACA’s cost-sharing reduction subsidies are upheld. Sabrina Corlette, in her latest Expert Perspective for the State Health & Value Strategies project, reviews the status of the litigation and the implications for state oversight of insurers’ 2020 premium rates. Continue reading