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A Main Reason New York and Massachusetts Will Sue the Administration Over the Final AHP Rule? Fraud and Abuse

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…Insurance Commissioner reported that her agency is, “willing to work with anyone” interested in forming an AHP and is ready to help consumers, “get these plans up and going.” Similarly, Oklahoma’s Insurance Commissioner applauded the final rule for promoting “affordable” choice. On the other hand, America’s Health Insurance Plans (AHIP) stated that it remains concerned that expanding AHPs will lead…

June Research Round Up: What We’re Reading

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…exchanges. States that had decreased marketplace enrollment in 2018 indicated that a shortened open enrollment period, federal funding cuts that led to fewer advertisements, and the prevalence of non-ACA-compliant plans curbed enrollment numbers. Why it Matters Grassroots efforts paired with pushes from insurance companies to keep enrollment numbers from dropping played a big role in the success enrollment season last…

State Efforts to Pass Individual Mandate Requirements Aim to Stabilize Markets and Protect Consumers

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…people to buy plans. The penalty repeal, in combination with other federal actions, is projected to reduce coverage by about 8.6 million people and increase premiums. Previously, only Massachusetts had such a requirement in place. Recently, New Jersey passed a state-level mandate that takes effect in 2019, and Vermont passed one that will take effect in 2020, after the issue…

New Report Documents Barriers for People with Mental Illness, Substance Use Disorders Buying Coverage Before the ACA

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…working in the individual health insurance market and a review of plans available prior to the ACA, the report, Mental Health Parity at Risk: Deregulating the Individual Market and the Impact on Mental Health Coverage, finds a combination of underwriting practices, coverage limitations and medical management practices that made coverage unavailable, inadequate and unaffordable for many people in need of…

Stakeholder Views on the Proposed Short-Term Plan Insurance Rule: Key Takeaways from Our Review of Comment Letters

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Last fall, President Donald Trump directed his administration to expand the availability of short-term, limited duration insurance (STLDI). To this end, federal agencies have proposed relaxing federal regulation of these plans. After a 60-day comment period, stakeholders submitted over 9,000 comments in response to the administration’s proposed rule. In previous blog posts, CHIR dug into a sample of comments from…

When Being Uninsured Cuts Life Short: In Memory of My Dad

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…and travel team. Days before his death he complained despairingly to me about his chest feeling gassy. I had seen a commercial for GasX, and the symptoms seemed to be similar to his complaints, so I went out to the store and bought him a box. On the morning of April 15, 2011, my dad had a heart attack while…

Stakeholders Respond to the Proposed Short-term, Limited Duration Insurance Rule. Part IV: Short-Term Insurers and Brokers

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…range of perspectives. This is not intended to be a comprehensive report of all comments from short-term plan companies and brokers on every proposal in the short-term, limited duration insurance proposed rule. Other posts in this blog series have summarized comments from major medical insurers, consumer and patient advocates, and state-based marketplaces and state insurance regulators. Our fifth and final…

Stakeholders Respond to the Proposed Short-term, Limited Duration Insurance Rule. Part III: State Insurance Departments and Marketplaces

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…and major medical insurers, we also reviewed comments from insurers and brokers that sell STLDI. In this third blog in our series, we review comments from department of insurance (DOI) and marketplace officials. Fifteen states and the District of Columbia submitted comments on the proposed rule (Minnesota’s DOI and marketplace sent separate letters). The National Association of Insurance Commissioners (NAIC),…

May Research Round Up: What We’re Reading

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…higher prices. Experts with the Health Care Pricing Project looked into what causes high hospital prices in the private market. What it Finds Monopoly hospitals have prices 12 percent higher than prices at hospitals with four or more competitors. Monopoly hospitals make insurance companies bear more financial risk, and vice versa for markets with monopoly insurance companies. When nearby hospitals…

Stakeholders Respond to the Proposed Short-Term, Limited-Duration Insurance Rule. Part II: Major Medical Insurers

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…market across the country. This is not intended to be a comprehensive report of all comments from major medical insurers on every element in the short-term, limited duration insurance proposed rule. Future posts in this blog series will summarize comments from carriers and brokers selling short-term plans, and state-based marketplaces and state insurance regulators. For more stakeholder comments, visit http://regulations.gov….

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.