Beyond UnitedHealthcare: How Are Other Publicly Traded Insurers Faring on the Marketplaces?

Two-and-one-half years in, how do we assess the success and stability of the Affordable Care Act’s health insurance marketplaces? Much ink has been spilled over the high-profile exit of UnitedHealthcare, but to gain a broader perspective, CHIR experts examined the first quarter earnings calls and regulatory filings for some of the largest, publicly traded insurers that participate in the marketplaces. Their latest article for the Commonwealth Fund shares what they learned. Continue reading

15 States and DC Now Prohibit Transgender Insurance Exclusions

Three years ago, only 3 states and DC prohibited insurance companies from excluding care for transgendered individuals from health plans. Today, that number has grown to 15 states, signalling that state policymakers are increasingly recognizing that transgender policy exclusions fly in the face of medical evidence and laws prohibiting discrimination based on gender identity. Our former CHIR colleague, Katie Keith, shares findings from an assessment of state actions and their impacts. Continue reading

States Innovation Waivers under the ACA: A Closer Look at the Updated Federal Guidance and State Proposals

Beginning in 2017, states can pursue “innovation waivers” under section 1332 of the Affordable Care Act. These waivers allow states to pursue broad alternatives or targeted fixes to the ACA. In their latest blog post for the Commonwealth Fund, CHIR researchers Kevin Lucia, Justin Giovannelli, Sean Miskell and Ashley Williams examine the waiver applications that have been submitted so far, as well as activity in states considering a waiver. Continue reading

2016 Insurer Participation Remains Stable in State-Based Marketplaces

In the wake of the high-profile closures and departures of some health plans from the individual market, a close analysis of plan participation in the state-based marketplaces demonstrates that consumer choices remain relatively stable. In CHIR’s latest blog post for the Commonwealth Fund, Emily Curran, Justin Giovannelli and Kevin Lucia assess insurers’ participation in the state-run marketplaces and the policy levers in place to help foster competition. Continue reading

Federal and State Policymakers Work to Ensure Continuity of Health Care for Consumers

Federal health insurance officials and the NAIC have recently put forward proposals to protect patients when a doctor or hospital leaves their health plan’s network. Both are grounded in longstanding state standards, although the scope and strength of these laws vary widely. In their latest post for the Commonwealth Fund, Sabrina Corlette, Ashley Williams and Kevin Lucia share findings from a 50-state survey of continuity of care laws and assess how they compare to the federal proposal. Continue reading

States Revisit Essential Health Benefit Requirements, but Have Little Data on Consumers’ Experiences

Federal Affordable Care Act rules require the states to revisit the standard scope of benefits for individual and small business health plans – called essential health benefits or EHB – and determine whether revisions are needed. In a new blog post for the Commonwealth Fund, CHIR experts examine how the states approached this task, and what it might mean for consumers. Continue reading

Why ACA Marketplaces Should Report Comprehensive Enrollment Data

The Affordable Care Act’s new health insurance marketplaces could be critical sources of data about how people access and use coverage. Yet, to date, the marketplaces have released varying degrees of information, with little uniformity or consensus over what data should be collected and how. In our latest post for The Commonwealth Fund, CHIR researchers Sean Miskell, Justin Giovannelli and Kevin Lucia examine data collection and reporting by the health insurance marketplaces. Continue reading