…set to go into effect in 2014, could extend through 2015. States and insurance companies are primarily responsible for executing the policy fix, which comes at a time when stakeholders have undertaken significant efforts to prepare for new changes beginning in 2014. Many of the states that have decided not to adopt the policy fix are those most invested in…
Almost two months into open enrollment for the new Health Insurance Marketplaces, it is clear consumer assistance is essential to helping people understand their coverage options. Fortunately, the ACA anticipated this need by requiring the marketplaces to have Navigators who will help consumers compare options and enroll in coverage. The Administration and states are also funding additional consumer support, including…
As ACA implementation unfolds, millions who had inadequate coverage in the individual market will gain more comprehensive coverage that provides greater financial protection from high health care costs. Tens of millions more will be newly insured under plans that must meet minimum standards for adequacy and affordability. One group that will be transitioning to new coverage is individuals enrolled in…
…of catastrophic plans. And these states, along with Colorado, are also standardizing the compensation of insurance brokers inside and outside the exchanges to deter inappropriate steering to one market or another. Our report concludes that states will be well-served to develop data collection and analysis strategies to monitor rates and premiums both inside and outside the exchanges, so that problems…
…change it.” And insurance companies are transitioning. Corlette explained, anticipating the need to make this transition, “insurance companies have taken different approaches,” one of which has been to discontinue some of their current non-ACA compliant policies. There has been a lot of attention lately to people receiving policy cancellations from their insurance companies. But the decision to modify plans, like…
…pay more in premiums as compared to the cost of services received, whereas individuals who receive more health care services may pay less in premiums as compared to the cost of services received. Since most, if not all, of us will access health care services at various points in our lives, the risk each of us bears in terms of…
…enrollment. We should not be surprised if Americans shop carefully and wisely. As the Commonwealth Fund reported recently, “a significant majority of those eligible say they’ll try out or return to marketplaces by the end of the enrollment period in March 2014.” Consumers are not rushing to judge their insurance options. We should not rush to judge the enrollment numbers….
…rules, it was a number of policy wonks and consumer advocates – including myself. However, this survey suggests that small employers are not shifting to self-insurance in any significant way – at least not yet. But, the report’s authors note that “interest is rising.” Four percent of small employers currently self-insure, and it is more common in mid-sized businesses (with…
…to effective education are greatest in the 29 states where the federal government is running consumer assistance functions. In this post, the second of a two part-series, we examined consumer outreach efforts in state-based, state partnership, and federally facilitated marketplaces. Read more here. Editor’s Note: This blog is part of a series of blogs published by the Commonwealth Fund blog….
…their jobs, as well as differences in funding for consumer assistance for different types of marketplaces. In this post, the first of a two part-series focusing on consumer outreach in federally facilitated exchanges, we continue to examine these new restrictions. Read more here. Editor’s Note: This blog is part of a series of blogs published by the Commonwealth Fund blog….
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.
