Rachel Schwab

From Acne to EcZema: The Return of Medical Underwriting Puts Millions at Risk for Losing Coverage or Higher Premiums

Posted December 7, 2016 by Rachel Schwab

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.

Though the ACA Faces Tough Critics, Millions are Having an Easier Time Paying Medical Bills

Posted December 1, 2016 by Rachel Schwab

The Affordable Care Act (ACA) has extended insurance coverage to 22 million people, but the law’s critics often point to the high out-of-pocket costs in some of the ACA’s marketplace health plans. And while many people do face high deductibles and cost-sharing for health care services, a recent report from the National Center for Health Statistics at the Centers for Disease Control and Prevention finds that dramatically fewer people are struggling to pay medical bills, compared to what they faced before the ACA.

In the Midst of Federal ACA Woes, States Play an Important Consumer Protection Role

Posted November 18, 2016 by Rachel Schwab

In Washington, our health policy minds are on system overload. Since the election last week, the town is buzzing about the President-elect and new Congress’ promises to repeal the Affordable Care Act (ACA) as one of their first legislative actions. At the same time, they have also pledged allegiance to some of the law’s market reforms. Since most of those reforms are enforced at the state level, a continued state role will be critical to preserving these vital consumer protections.

Health Plan Restrictions on Contraceptive Coverage: It’s like asking people to “renew their seat belt each month”

Posted November 1, 2016 by Rachel Schwab

The Affordable Care Act (ACA) has lowered financial barriers to birth control by requiring health plans to cover contraceptives at no cost sharing, but restrictions limit the availability and affordability of certain methods. While we’ve come a long way in ensuring access to this essential service, one hundred years after Margaret Sanger opened the first Planned Parenthood clinic in Brooklyn, nearly half of all pregnancies in the U.S. are unplanned. Addressing the unmet need for contraceptives and enabling women to maintain consistent and accurate drug use is a public health issue that affects insurers, consumers, and providers.

CHIR Expert Sabrina Corlette Talks Marketplace Problems, Possible Solutions at Alliance for Health Reform Briefing

Posted September 28, 2016 by Rachel Schwab

On Monday, September 26th, CHIR’s very own Sabrina Corlette spoke at a briefing on the future of ACA marketplaces put on by the Alliance for Health Reform. Ms. Corlette joined representatives from Anthem, the American Action Forum, and Covered California to discuss the forecast for 2017 and potential policy solutions to expand coverage and access in the individual market.

Quality Over Quantity? New Medicaid Network Adequacy Rules Illuminate Disparities Among Insurance Program Standards

Posted September 16, 2016 by Rachel Schwab

Narrow network plans, or plans with a limited network of providers, present problems for consumers across the various coverage programs. In May, the Centers for Medicare & Medicaid Services released the final rule setting network adequacy standards for Medicaid and CHIP managed care plans. The new rule requires states to set quantitative standards for network adequacy; but since these standards don’t apply uniformly to other federal programs, network adequacy – and access to essential health services – varies greatly for consumers based on what program they fall under.

The Sky is Not Falling: CHIR Expert Kevin Lucia Talks Trends in Coverage and Affordability on the ACA Marketplaces

Posted July 21, 2016 by Rachel Schwab

On Friday, July 15, CHIR’s very own Kevin Lucia spoke at a briefing on ACA marketplaces put on by the Alliance for Health Reform. Mr. Lucia joined representatives from the Commonwealth Fund, the American Academy of Actuaries, and the Blue Cross Blue Shield Association to discuss the outlook for federally facilitated and state-based exchanges as the fourth open enrollment period approaches in November.