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

Trump’s Executive Order: Can Association Health Plans Accomplish What Congress Could Not?

In the wake of failed Congressional efforts to repeal and replace the Affordable Care Act, President Trump has threatened to issue an executive order that could effectively roll back key protections for people with pre-existing conditions. In their latest post for the Commonwealth Fund’s To the Point blog, CHIR’s Kevin Lucia and Sabrina Corlette assess the proposed regulatory changes and their impact on consumers and insurance markets. Continue reading

Selling Health Insurance Across State Lines Doesn’t Lower Costs for Consumers

In the wake of the failure of the legislative effort to repeal and replace the Affordable Care Act, the fate of the President’s proposal to authorize the sale of insurance “across state lines” is unclear. In their latest article for the Commonwealth Fund’s To The Point blog, Sabrina Corlette and Kevin Lucia examine different potential approaches to promoting cross-state sale of insurance and what they mean for states and consumers. Continue reading

Congress Asked States for Health Reform Ideas. They May Be Surprised by What They Hear

Shortly after the election, Congress asked state officials to provide input on repealing and replacing the Affordable Care Act. CHIR expert Sabrina Corlette tracked down 34 of those letters, and found the responses – particularly from states with Republican leaders – to not not always be what she expected. She shared her top takeaways here. Continue reading

Definition of Insanity? Trump Transition Team Proposals for “Replacing” the Affordable Care Act

President-elect Trump’s transition team has posted their top replacement ideas for the Affordable Care Act. But those ideas – allowing insurance to be sold across state lines, reinstating high risk pools, and expanding HSAs – are all tired retreads of old policies that have been proven failures. Sabrina Corlette takes a look. Continue reading

The Impact of Laws to Allow Cross-State Sales of Health Insurance: Few Benefits, Potential Risks for Consumers

Although proposals to allow the sale of health insurance across state lines are believed to help consumers access more affordable insurance options, these proposals have rarely been studied. To better understand how these proposals work and whether they are delivering on their promises, CHIR researchers examined across state lines laws in six states – Sabrina Corlette summarizes our findings from an issue brief released today. Continue reading