Medical underwriting, outlawed by the Affordable Care Act (ACA), is a practice used by insurance companies to assess a consumer’s health status. In the event of an ACA repeal, millions of people could lose coverage, pay higher premiums, or receive inadequate benefits that exclude essential health services, all based on a pre-existing condition. While many of us don’t see ourselves as falling under that category, the list of health conditions that qualify you for the chopping block may surprise you. Continue reading
A new issue brief published by the Commonwealth Fund and authored by CHIR’s newest faculty member, Dania Palanker, examines exclusions in insurance policies sold on the ACA marketplaces and finds that several have a disproportionate impact on women, limiting their access to care. Dania shares some highlights. Continue reading
HHS released the final Section 1557 rule, completing the suite of non-discrimination rules that constitute some of the most dramatic recent changes in health insurance regulation. JoAnn Volk looks at how the rules stack up in protecting consumers with pre-existing conditions.
Our very own Sabrina Corlette was invited back to the U.S. House of Representatives for the second time in a month, this time to give testimony before the Energy and Commerce Subcommittee on Health. Here are a few highlights from the May 11 hearing. Continue reading
The ACA prohibits benefit limits and cost sharing that discriminate against individuals based on health status and other factors, but federal rules also stress that insurers can continue to use reasonable medical management, which would allow benefit limits based on certain circumstances. JoAnn Volk looks at what this may mean for regulators and consumers trying to tell the difference.
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
Did you know states need to select their Essential Health Benefits (EHB) benchmark plan for 2017 in just a few weeks? If not, JoAnn Volk will tell you about the process underway and how advocates can get involved. Continue reading
The Affordable Care Act includes a reform of the health insurance market that has received relatively little attention, but that’s likely to change. The provision requires a change in the definition of small group health plan, and it could have a significant impact on premiums and offers of coverage by employers. Sabrina Corlette takes a look. Continue reading
The federal Department of Health and Human Services recently published a proposed regulation that signals some potentially helpful changes to the requirement that health insurers cover a set of essential health benefits. Our colleague at Georgetown University’s Center for Children and Families, Joe Touschner, offers this overview. Continue reading
Within the next several months, federal officials must decide whether to maintain or modify their “transitional” approach to implementation of the Affordable Care Act’s essential health benefits (EHB) requirements. In a new issue brief for the Commonwealth Fund, CHIR researchers examine how states have exercised their flexibility under the current EHB rules. Continue reading