State Efforts to Lower Cost-Sharing Barriers to Health Care for the Privately Insured

Current federal proposals to replace the Affordable Care Act are likely to result in higher out-of-pocket costs for consumers. Six states and D.C., however, have policies to lower cost-sharing barriers to important health care services and drugs for the privately insured. In a new research brief, CHIR researchers take a closer look at some of these states’ experiences developing and implementing these policies. Continue reading

Relaxing the Affordable Care Act’s Guaranteed Issue Protection: Issues for Consumers and State Options

As we’ve been blogging about, the Trump administration finalized a Market Stabilization rule that makes numerous changes in how marketplaces and insurers are operating. One of the biggest changes affecting consumers is the Trump administration’s new interpretation of guaranteed issue or availability; but states have a range of options regarding this policy under the rule. CHIR’s Sandy Ahn and JoAnn Volk break it down for us. Continue reading

Stakeholders React to HHS’ Proposed Market Stabilization Regulations: Part 2 – Consumer Advocates

Last month, the Department of Health & Human Services released proposed rules aimed at stabilizing the ACA’s health insurance marketplaces. After a 20-day comment period, they received close to 4,000 public comments. In the second post in our series on the reactions of health care stakeholders, CHIR’s Rachel Schwab looks at comments from consumer advocacy groups. Continue reading

Twelve Days of Coverage

Despite the gloom and doom surrounding the Affordable Care Act (ACA), when we look back at what the ACA has achieved, there is cause to celebrate this holiday season. Six years after President Barack Obama signed the ACA into law, we have the lowest uninsured rate and record enrollment numbers on Healthcare.Gov, showing just how much people need and want comprehensive health insurance. As we hum along to our favorite holiday hits, CHIR has composed a new carol to pay homage to the monumental health care law that has led to unprecedented coverage and consumer protections. Happy holidays! Continue reading

The Final Countdown for 2017 Coverage Underway in the Shadows of Affordable Care Act Repeal

Extended to December 19, 2016, consumers have four more days to enroll in an Affordable Care Act marketplace plan that starts January 1, 2017. With an incoming Congress and President-Elect promising to repeal the health care law, consumers may have questions about what will happen to their coverage or why they should bother to enroll. Before the sun sets on this year’s open enrollment season, we’ve answered a couple of common consumer questions. Continue reading