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Stakeholders Respond to the Proposed Short-Term, Limited Duration Insurance Rule. Part I: Consumer Advocates

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

The FAA Reauthorization Bill – An Unexpected Vehicle for Relief from Surprise Medical Bills?

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…the face of states’ inability to act and federal inaction, Sen. John Tester (D-MT) introduced S. 471 earlier this year. The bill amends the Airline Deregulation Act to give the states authority to regulate “network participation, reimbursement and balance billing” with respect to air ambulance providers. The National Association of Insurance Commissioners and the Pennsylvania state insurance commissioner have expressed…

The Effects of Federal Policy: What Early Premium Rate Filings Can Tell Us About the Future of the Affordable Care Act

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…dug into the actuarial memos submitted in these states to find out what’s behind the premium changes. In general, a common set of factors are driving premium rate changes this year. They include: Insurers’ data on members’ use of health care services over the past year, and how it differs from their projections; Medical inflation (changes in the price of…

The Urban Institute’s New Proposal to Get Us Closer to Universal Coverage

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…rules and regulations such as essential health benefits and guaranteed issue and maintains a role for private health plans. But it envisions a much more expanded role for government in order to reach its coverage goals. The Healthy America Program combines the populations on Medicaid, the Children’s Health Insurance Plan (CHIP), and the individual market into a new single risk…

New Georgetown-Society of Actuaries’ Report: Estimating the Impact of Association Health Plans on the Individual Market

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…enrollment and the health of the risk pool in the ACA-compliant individual markets. They estimate that: Up to 10 percent of the individual market (on- and off-exchange) will leave ACA-compliant plans for AHPs. On average, individuals leaving for AHPs will be up to 54 percent healthier than individuals remaining in the ACA-compliant market, resulting in a 4.4 percent increase in…

A Mother’s Day Gift Basket from Congress and the Trump Administration

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…is done to prevent these exits. And ribbon curls can hardly mask that reality. Suffice it to say, this gift basket is a bit of a dud. But it’s not too late to give mothers the present they deserve: access to affordable and comprehensive coverage.   Original image from Simontea Unique Gift Baskets Toronto Flickr, changes made. Creative Commons license….

Short-Term, Limited-Duration Insurance and Risks to California’s Insurance Market

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…the individual market, including Covered California, consumers looking for comprehensive coverage may find themselves facing significantly higher premiums and fewer choices in the ACA-compliant market To understand the short-term insurance market in California, we interviewed 21 stakeholders—including state officials, brokers and agents, insurers, and experts on California insurance markets—in addition to conducting a market analysis and review of state and…

States Leaning In: Washington

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…ACA’s Rules In February, the Trump administration issued a proposed rule to expand the availability of short-term, limited-duration insurance (short-term plans). If the rule is finalized as written, the expansion of short-term plans could cause a mass exodus of young, healthy consumers from the ACA-compliant individual market. Calling short-term plans a “devastating step towards dismantling the consumer protections we’ve come…

A Vacation in Germany: What’s Health Insurance Like Here?

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…U.S., Germany is facing the necessity and difficulty of reining in costs. Other remaining challenges are common among many health care systems around the world: primary care physician shortages, systematic quality assurance, and rural disparities. For a more in-depth look into the German health care system and how it’s financed, you can read this comprehensive overview from the Commonwealth Fund….

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.