2014 Brings New Protections for Consumers – and New Oversight Responsibilities for States

2014 brings sweeping new health insurance protections for consumers, but for those reforms to be realized state insurance regulators need to make sure health plans comply with the law. A recent report released by the NAIC consumer representatives details best practices and provides recommendations to states to improve enforcement and better protect consumers. Sabrina Corlette has this overview.
Another Shift in Health Insurance Rules: Helping Consumers Keep Up

On the eve of the December 23 deadline to sign up for health insurance coverage, the Administration announced that people whose previous health plans had been cancelled will now be allowed to enroll in alternative, bare-bones coverage. Consumers and those charged with helping them enroll – navigators, brokers, application assisters and others – are likely to have questions about the change. Sabrina Corlette provides answers here.
How States are Simplifying Plan Choice in State-Based Marketplaces

Choosing the health plan that best meets your needs is no easy task, with much at stake in terms of both financial protection and access to care. In a new issue brief for The Commonwealth Fund, Christine Monahan, Sarah Dash, Kevin Lucia, and Sabrina Corlette examine the actions taken by state-based health insurance marketplaces to simplify health plan choices.
High Risk Pool Enrollees Get a Reprieve – and We Have Answers to What’s Next.

Last week the Administration announced plans to extend the Pre-existing Condition Insurance Plans (PCIPs) into 2014 to help ensure enrollees don’t face a gap in coverage. Recently CHIR released a set of frequently asked questions about transitioning out of high risk pool coverage and CHIR’s JoAnn Volk provides an update here.
Patience and Flexibility Needed as Those with New Insurance Start Using Health Care Services January 1

Now that healthcare.gov is finally working, attention is turning to challenges people might face as they start seeking health care services. In his latest blog, Georgetown University Health Policy Institute’s Jack Hoadley discusses how Medicare officials responded to post-enrollment glitches in Part D – and provides some lessons learned for the ACA roll out.
Changing Health Plans, Changing Provider Networks: What They Mean for Consumers and How States Can Help

Did the President tell the truth when he told the American people: “If you like your doctor, you can keep your doctor”? Are health plans narrowing their provider networks and if so, what does it mean for consumers and the state officials charged with protecting them? CHIR experts Sabrina Corlette and Sally McCarty tackle these thorny issues in their latest blog.
Handling Premiums with Care in Medicaid, CHIP and the Marketplace

Connecting people with health coverage is a complicated process, and the last few weeks have demonstrated how challenging it can be. But helping people maintain that coverage may be even more challenging. In this blog, Tricia Brooks of Georgetown University’s Center for Children and Families discusses how policies relating to premium collection can have a critical impact on families’ ability to stay covered.