Broker Commissions for Mid-Year Enrollment in the Marketplaces: Options for State Marketplaces and Insurance Regulators to Prevent Discrimination

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Several insurers have eliminated broker commissions for mid-year marketplace enrollment. In a new Expert Perspective for the State Health & Value Strategies project, CHIR’s Justin Giovannelli looks at the consequences of cutting broker commissions for special enrollment periods, including risk of coverage losses, market instability, and potential violations of federal nondiscrimination rules.

State and Federal Policies to Increase Access to Medication Abortion

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A leaked draft of an impending Supreme Court decision has previewed the potential for states to prohibit and even criminalize abortion. Access to abortion has long been a story of the haves and have-nots. Medication abortion can improve access to this basic health care service, but the delivery and coverage of medication abortion are subject to numerous restrictions and requirements, creating multi-faceted obstacles for patients seeking care. CHIR’s Rachel Schwab looks at several policy actions that can reduce barriers to medication abortion.

CHIR Launches New Resource Center for Policymakers on Public Option Proposals

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With the generous support of Arnold Ventures, CHIR experts have launched a new resource center and newsletter to provide policymakers with a dedicated, independent source of unbiased and comprehensive information on public health insurance options and related proposals that promote affordability and contain costs. Find out more.

What Four States Are Doing to Advance Health Equity in Marketplace Insurance Plans

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The implementation of the Affordable Care Act (ACA) led to historic reductions in racial and ethnic disparities related to health insurance coverage. However, equal access to health coverage is not enough to ensure health equity. In their latest issue brief for the Commonwealth Fund, Dania Palanker and Nia Denise Gooding examine how four state-based health insurance marketplaces have acted to reduce health inequity, and outline considerations for other state-based marketplaces developing a health equity strategy.

Congress, Administration Work to Meet Growing Need for Behavioral Health Care

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The need for mental health and substance use disorder services is substantial and growing. One in five adults in the United States, or 53 million people, had a mental illness in 2020, including 14 million adults who had serious mental illness; forty million adults had a substance use disorder. In response to these troubling trends, policymakers are seeking multi-pronged approaches to provide greater access to services that treat and manage mental health and substance use disorders. CHIR’s JoAnn Volk outlines how both Congress and the Biden administration plan to improve access to behavioral health care.

April Research Roundup: What We’re Reading

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April brought us a shower of health policy research, including studies on the implications of the American Rescue Plan Act’s (ARP) enhanced premium tax credits (PTCs) expiring for marketplace beneficiaries, how value-based payment models have fared in the commercial health insurance market, and trends in prices that private health plans pay for hospital care across the United States. We took some time away from checking out the cherry blossoms to dig in.

Response to Deceptive Marketing of Limited Plans Shows States Can Take Proactive Steps to Protect Consumers

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Last month the Texas Department of Insurance issued a consent order dissolving Texas-based Triada Assurance Holdings, operating under the name Salvasen Health, which marketed and sold their fixed indemnity plans to 65,000 consumers nationwide, advertising their products as comprehensive coverage. CHIR’s Madeline O’Brien looks at is Salvasen’s deceptive practices and state responses to mitigate harm to consumers.

Fixing the Family Glitch: Federal Rules Aim to Improve Coverage Affordability for Working Families

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Roughly 5 million people are currently unable to access marketplace subsidies due to a flawed interpretation of the Affordable Care Act dubbed the “family glitch.” Last month, the Biden administration proposed new rules, grounded in a revised interpretation of the law, which would increase access to affordable coverage for families of low and moderate-income workers. Karen Davenport looks at the proposed regulatory fix and how it will impact consumers and other health insurance stakeholders.

Mitigating Coverage Loss When the Public Health Emergency Ends: The Role of the Affordable Care Act Marketplaces

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As many as 16 million people are expected to lose Medicaid once the COVID-19 public health emergency ends. One-third of these could be eligible for ACA marketplace plans. In their latest To the Point blog for the Commonwealth Fund, Sabrina Corlette and Maanasa Kona discuss strategies that marketplaces can deploy to help reduce the potential coverage loss and help consumers make a smooth transition.

Updated Breast Pump Coverage Guidelines Provide Important Protections for Families but More Guidance May Be Needed to Increase Access

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The American Academy of Pediatrics recommends feeding infants breastmilk through their first year. One of the barriers to doing so is cost. The Affordable Care Act requires most health insurance plans to cover breastfeeding services and supplies without cost sharing, but gaps in access for enrollees have underscored the need for policy changes. CHIR expert and new mom Christine Monahan looks at new federal guidelines on the coverage of breastfeeding services and supplies going into effect next year and how they will make it easier for many parents to provide their infants breastmilk.

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.