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Making Short-Term Plans a Long Term Coverage Option: Risks to Consumers and to Markets

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…enrolled in ACA-compliant coverage. The Urban Institute has estimated that the effect of the administration’s short-term plan rule alone would reduce enrollment in ACA-compliant plans by 19 percent. When combined with the repeal of the individual mandate penalty, cuts to marketplace advertising budgets, and the expansion of association health plans for the self-employed, ACA-compliant plan enrollment could decline by as…

Translating Coverage into Care: Answers to Common Post-Enrollment Questions

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…set of challenges. To help answer common post-enrollment questions, we cracked open our trusty Navigator Resource Guide. My plan doesn’t cover maternity services, or other health care needs While the ACA requires individual health plans to cover the ten Essential Health Benefit (EHB) categories, including maternity care, some insurance plans and products are not subject to this protection. If you…

Coalition Demands Crucial Information About Association Health Plan Rulemaking

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On March 1st, a coalition of stakeholders, including Georgetown University’s Center on Health Insurance Reforms (CHIR), the DC Health Benefit Exchange, the Acting Attorney General of Hawaii, AFL-CIO, Center on Capital & Social Equity, Families USA, National Alliance on Mental Illness, National Partnership for Women & Families and the Small Business Majority released a letter calling on the Department of…

February 2018 Research Round Up: What We’re Reading

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…will reduce enrollment in ACA-compliant plans by 2.1 million people, employer coverage by 230,000 people, and Medicaid and CHIP by 150,000 people. The expected STLD plan population is 4.2 million in 2019, more than half of whom will have moved from the ACA-compliant market. In states that do not prohibit STLD plans, premiums for ACA-compliant plans are expected to rise…

Short-Term, Limited Duration Insurance Proposed Rule: Summary and Options for States

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By Sabrina Corlette, JoAnn Volk, and Justin Giovannelli In response to President Trump’s October 12 executive order, the U.S. Departments of Health and Human Services, Labor and Treasury have published proposed rules to expand the availability of health coverage sold through short-term, limited duration insurance. The public has until April 23, 2018 to submit comments on these proposed rules; the…

Proposed Federal Changes to Short-Term Health Coverage Leave Regulation to States

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By Dania Palanker, Kevin Lucia, Sabrina Corlette and Maanasa Kona The Trump administration has proposed to reverse federal limitations on short-term insurance, which does not have to comply with Affordable Care Act market rules like preexisting condition protections and coverage of mental health services and other essential benefits. A new proposed rule rescinds Obama-era restrictions limiting contract length to no…

If It Talks Like Insurance and Walks Like Insurance: The Curious Case of Direct Primary Care Arrangements

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…extent to which DPCAs might be engaged in health status underwriting in order to minimize their insurance risk, cherry picking healthy members, or otherwise able to cover costs without exposing consumers to unexpected financial liabilities. Looking ahead The increasing popularity of these arrangements combined with state-level legislative efforts to exempt them from regulation could result in two casualties: the ACA-compliant…

Stepping in When States Don’t Step Up: First “State-Based” Plans Filed in Idaho, Violating the Affordable Care Act

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…Insurers may also open themselves up to lawsuits if consumers purchase a noncompliant plan only to find out that it does not cover ACA-mandated benefits that they need. Looking Ahead Blue Cross of Idaho is one of five companies offering health insurance on the Idaho individual market. While other companies have expressed a reluctance to sell products that don’t comply…

New Funding Opportunity Allows States to Bolster Consumer Protections

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…compliance with federal market reforms and consumer protections, giving states the opportunity to improve their oversight efforts. The money comes from a $250 million pot appropriated for rate review grants. During the first five years of the Affordable Care Act’s (ACA) implementation, HHS awarded grants to 43 states and the District of Columbia to help improve state oversight of premium…

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.