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

Shopping for a Short-Term Plan? The Information You Get about it Will Depend on Your State

Stakeholders have expressed mixed views on the value of short-term limited duration insurance. However, most seem to agree that, at a minimum, consumers should know what they are purchasing. States have the authority to require insurers to provide disclosures in addition to the federal minimum standard. We looked at short-term disclosures in four states – Nebraska, North Dakota, Ohio, and Washington – and found that a wide spectrum exists regarding the amount of detail states require their insurers to disclose. Continue reading

Saying Goodbye to a Hero

Over the weekend we said goodbye to a dear friend. Rob Restuccia lost his 6-month battle against pancreatic cancer, but he never gave up the fight for health equity and justice. We pay tribute to his leadership, commitment and legacy. His life and work inspire us all. Continue reading

The Administration Tried to Make It Easier for States to Waive ACA Rules: Will Any Take the Plunge?

Recent federal guidance made significant changes to the ACA’s section 1332 waiver program in order to give states greater leeway to sidestep ACA rules. But the move has triggered questions about whether the waiver options the Trump administration is touting are practical for states, or even legal. In a new work for The Commonwealth Fund, Justin Giovannelli and JoAnn Volk examine how states are approaching ACA waivers in the wake of the federal policy change. Continue reading

Stakeholders Respond to the Proposed Health Reimbursement Arrangement Rule. Part 2: Insurers

In October, the Departments of Treasury, Labor, and Health and Human Services issued a proposed rule that aims to expand the “flexibility and use” of health reimbursement arrangements. To understand reactions to the proposal, CHIR reviewed a sample of comments from state officials, insurers, consumer advocates, and employer, broker and benefit advisor groups. In Part 2 of this blog series, we highlight comments from ten major medical insurers and associations, who argued that stronger non-discrimination provisions are needed to prevent adverse selection and ensure stability in the individual market. Continue reading

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