Month: June 2020

The COVID-19 Pandemic – Insurer Insights Into Challenges, Implications, and Lessons Learned

The novel coronavirus (COVID-19) pandemic has placed enormous pressure on virtually all facets of U.S. society. Much attention has appropriately been placed on the efforts of health care providers to deliver care to those infected with COVID-19. However, less is known about the experiences of the health insurers who reimburse those health care providers for the care they deliver. In a new report supported by the Robert Wood Johnson Foundation, insurance experts at CHIR and the Urban Institute share findings from interviews with executives at 25 health insurance companies on their impressions of the ongoing ramifications of the pandemic and their response to the crisis.

Effects of Medicaid Health Plan Dominance on the Health Insurance Marketplaces

Medicaid insurers dominate many of the Affordable Care Act health insurance marketplaces. Some health system stakeholders have raised concerns about the potential negative consequences of Medicaid insurer participation in the market, largely due to their limited networks. In a new report supported by the Robert Wood Johnson Foundation, CHIR and Urban Institute experts assess how Medicaid insurers function in the marketplace.

On the Whole, Health Insurers Aren’t – Yet – Fearing COVID-19 Costs: A Review of 2021 Rate Filings

Several states ask for – and publicly post – health insurers’ proposed 2021 premium rates in May and June. These early rate filings can provide hints about how insurers are responding to market trends, policy changes, and emerging drivers of health care costs. CHIR’s Sabrina Corlette took a deep dive into insurers’ actuarial memos to find out how they’re thinking about COVID-19, repeal of the ACA’s individual mandate penalty, and more.

Should States’ COVID-19 Insurance Coverage Mandates Be Extended Past the Current State of Emergency?

Many states acted to expand access to health care services as part of the fight against COVID-19, mandating that insurers cover and reduce consumers’ costs for COVID-19 and other health care services. Now that the public health emergency orders in many states are expiring, what, if any, of these insurance mandates should be retained? In their latest post for the Commonwealth Fund, CHIR’s Sabrina Corlette and Madeline O’Brien assess states’ options.

Instead of Encouraging Enrollment in Comprehensive Health Coverage, New Federal Guidance Requires Taxpayers to Subsidize Health Care Sharing Ministries

In the midst of the COVID-19 pandemic, the IRS has published a proposed rule that would grant tax advantages reserved for insurance to individuals’ spending on health care sharing ministries, raising real questions about using federal funds to promote a coverage option that fails to provide consumers with financial protection for health care expenses. JoAnn Volk walks through the proposed rule and its potential implications for consumers.

May Research Round Up: What We’re Reading

This May, we explored studies assessing COVID-19’s effect on community health centers, data on racial and ethnic disparities in COVID-19 mortality rates, and changes in health spending and utilization during the crisis.

Navigators Can Help Close Insurance Gaps Exacerbated by COVID-19

The COVID-19 pandemic has introduced new challenges for Navigators. To learn more about their experience, and how they are helping consumers manage often unexpected transitions in coverage, CHIR’s Olivia Hoppe talked with six navigators across five states using the FFM to hear how they were faring.

A Pledge to Do Better

We at CHIR are reeling and taking stock in the wake of the tragic and callous murder of George Floyd, as well as the unsurprising unrest caused by our nation’s longstanding indifference to the pain of communities of color. At CHIR, we spend our professional lives focused on improving people’s access to affordable, high quality health insurance. The work is an honor and we believe we are helping to advance policies that allow more people to get better health care without facing financial ruin.

However, we know we have privileges we too often take for granted and that, at times, have blinded us to well-documented inequities in our health care system. The fact is that we have not thought deeply enough about the longstanding and structural racism that makes it more likely that Black, Hispanic, and Native American/Alaskan Native people are uninsured, more likely to suffer from high out-of-pocket costs, more likely to lack access to providers, and more likely to get poor quality care. We can and must do more. As researchers and policy analysts, we can study the data to better understand the challenges facing communities of color. We can proactively seek out voices in those communities who are documenting and sharing their lived experiences. We can consciously and carefully assess the disparate impacts of policy choices, and work a lot harder to lift up those policies that lift up people of color. We don’t pretend that our efforts to learn about these issues and integrate them into our work in a deeper and more conscious way will make a big difference, but they could make a small difference. What we realize is that these efforts are essential to our mission and values.

We would love to hear from you. If you know of ways in which we can better integrate these important issues into our work and share them with decision makers, please let us know.

The opinions expressed here are solely those of the individual blog post authors and do not represent the views of Georgetown University, the Center on Health Insurance Reforms, any organization that the author is affiliated with, or the opinions of any other author who publishes on this blog.