New Addition to Advocate Toolkit Highlights Options for Protecting Consumers Amidst Expansion of Short-Term Plans

In July, a federal district court judge upheld the Trump administration’s rule expanding availability of short-term, limited duration insurance, or short-term plans, which do not have to comply with the Affordable Care Act’s consumer protections. With the help of CHIR experts, Community Catalyst has published another resource for state advocates and policymakers, providing an overview of short-term plans, insight on unscrupulous sales practices that leave consumers at risk, and state regulatory options. Continue reading

New Resources Arm Advocates with Tools to Defend Essential Health Benefits, Pre-Existing Condition Protections

On July 9, the Fifth Circuit Court of Appeals heard oral arguments in Texas v. United States, the court case challenging the Affordable Care Act’s (ACA) constitutionality. The litigation is ongoing, but if the plaintiffs prevail, the law could be overturned in its entirety. With the federal court case looming, state policymakers and advocates are looking for ways to preserve access to coverage in the absence of the ACA’s protections, including steps to codify the law’s key provisions into state law. To aid in these efforts, Community Catalyst has teamed up with CHIR experts to create two new guides for its health insurance reform toolkit: The Advocate’s Guide to Pre-Existing Condition Protections and The Advocate’s Guide to Essential Health Benefits. Continue reading

States Leaning In: Washington Doubles Down on Efforts to Shore up Market, Protect Consumers

In the wake of federal actions to roll back the Affordable Care Act’s reforms, states have assumed an even greater role in protecting consumers and ensuring market stability. Washington State, a long-time leader in state health insurance reform, has taken up that mantle. Since our last post highlighting Washington’s policy playbook, the state has implemented several more policies to preserve their insurance market and bolster consumer protections. CHIR’s Rachel Schwab takes a look at some of the state’s new developments. Continue reading

Are the Affordable Care Act Markets “Stabilizing”? Early 2020 Rate Filings Give Little Cause for Celebration

Changes in premiums are a key indicator of the overall health of an insurance market. CHIR’s Sabrina Corlette dug into the rate submissions of 2020 individual market health insurers in several states that have publicly released their filings. She finds a less rosy picture than the relatively modest average rate changes might suggest. Continue reading

Coming up Short: The Problem with Counting Short-Term, Limited Duration Insurance as Coverage

In April, the nonpartisan Congressional Budget Office (CBO) released an analysis of federal legislation to reverse the Trump administration’s rule expanding access to short-term, limited duration insurance policies, which do not have to comply with the Affordable Care Act’s consumer protections. CBO estimated that reversing the rule would result in 500,000 people going uninsured, predicated on the assumption that most short-term plans count as “insurance.” For people with preexisting conditions, nothing could be further from the truth. Continue reading