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January 2018 Research Round Up: What We’re Reading

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…between 100-138 percent of poverty experienced a 7.7-point decline in the probability in having any out-of-pocket spending as compared to their non-expansion state counterparts. In states choosing not to expand Medicaid, average total out-of-pocket spending for the near-poor increased from $1,086 to $1,412. When compared to subsidized Marketplace coverage, Medicaid expansion was associated with lower out-of-pocket premium spending, lower probability…

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 is expected to reverse federal limitations on short-term insurance, which does not have to comply with Affordable Care Act (ACA) market rules like preexisting condition protections. An upcoming proposed rule will likely rescind the minimal restrictions on short-term plans such as a contract length of no more…

Idaho Goes Rogue: State Authorizes Sale of Health Plans that Violate the Affordable Care Act

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…skimpy benefit packages that don’t cover critical items or services for people with chronic diseases, leaving them exposed to high out-of-pocket costs. While young, healthy consumers may find these plans attractive, older, sicker ones will gravitate to ACA-compliant plans both on and off the exchanges. This adverse selection will result in higher premiums for ACA-compliant plans, rendering coverage unaffordable for…

Association Health Plans: Maintaining State Authority is Critical to Avoid Fraud, Insolvency, and Market Instability

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…generally apply to small employer and individual market health insurance. In their latest post for the Commonwealth Fund, CHIR researchers Kevin Lucia and Sabrina Corlette examine the proposed rule’s impact, including heightened risks of fraud, insolvency, and market instability. They further analyze outstanding questions about the rule’s effect on states’ authority to protect consumers and prevent adverse selection in the…

Association Health Plan Proposed Rule: Summary and Implications for States

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The Department of Labor published proposed rules earlier this month that would expand the availability of coverage sold through association health plans (AHPs) to small businesses and self-employed individuals. Public comments on the proposal will be accepted until March 6, 2018. In a recent brief for the Robert Wood Johnson Foundation’s State Health & Value Strategies program, CHIR’s Sabrina Corlette…

The Future of the Affordable Care Act under President Trump: Stakeholders Respond to Proposed 2019 Marketplace Rule. Part III: States

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…A Note on our Methodology This blog is intended to provide an overview of comments from a sample of DOIs and SBMs. Comments were selected to provide a range of perspectives. This is not intended to be a comprehensive catalog of all states’ comments on every proposal in the 2019 NBPP. For more state and other stakeholder comments, visit https://www.regulations.gov/….

The Future of the Affordable Care Act under President Trump: Stakeholders Respond to Proposed 2019 Marketplace Rule. Part II: Consumer Advocates

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…Comments were selected to provide a range of perspectives, including disease-specific, age-specific, and gender-oriented organizations as well as groups examining the rule through a legal or policy lens. This is not intended to be a comprehensive catalog of all consumer advocate comments on every proposal in the 2019 NBPP. For more consumer advocacy group and other stakeholder comments, visit https://www.regulations.gov/….

Affordable Care Act Navigators: Unexpected Success During 2018 Enrollment Season Shouldn’t Obscure Challenges Ahead

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…to tapped into partnerships developed in previous years to make the most of their efforts this year. For example, Get Covered Mississippi and the Center for Family Services in New Jersey both worked with Head Start centers to make sure whole families had coverage. Others relied on the trusted brand developed over the first few years to get people through…

Research Update: Health Care Expenses from Families’ Budgets to Federal Budgets

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By Karina Wagnerman, Georgetown University Center for Children & Families This week, I am reading studies on how health coverage eases financial pressures on families’ budgets and how children fare in federal expenditures. Commonwealth Fund’s What’s at Stake: States’ Progress on Health Coverage and Access to Care, 2013–2016 This brief examines the progress made since the ACA, including increases in…

Insurer Participation in ACA Marketplaces: Federal Uncertainty Triggers Diverging Business Strategies

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…to 2018, which sheds light on how state marketplaces have maintained competition despite uncertainty about the law’s future. In the months leading up to the 2018 open enrollment period, there was widespread concern that the administration’s lack of commitment to implementing the ACA, including ending federal funding for cost-sharing subsidies, would lead many insurers to exit the marketplaces. Some insurers,…

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.