Search Results for: stop-loss

Most Stakeholders Oppose Expanding the Sale of Coverage Across State Lines: Reactions to HHS’ Request for Comments

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…governors’ and legislatures’ control would be undermined; insurers would compete on an uneven playing field, risking insolvency and job loss for local carriers and brokers; and consumers would be “confused and [] angry” by the influx of low-quality coverage. States noted that this is not the right solution for reducing healthcare costs, since it would threaten the stability of local…

Protecting People with Preexisting Conditions Requires More Than a Piecemeal Approach: An Assessment of a Louisiana Bill to Codify Some, But Not All, ACA Protections

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…the Medicaid expansion, which extended coverage to 465,000 Louisianans, as well as federal funding for premium subsides for private coverage (the ACA’s premium tax credits). Few, if any, states have the financial resources to offset the lost dollars on which these programs depend; for Louisiana alone, a win for the plaintiffs means a loss for the state of $3.6 billion…

Stakeholders React to HHS’s Notice of Benefit and Payment Parameters for 2020. Part 3: Consumer Advocates

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…can exacerbate health conditions and inhibit the prevention of others. Groups have varied, but supportive, views on silver loading Five of the seven groups in this analysis responded to the agency’s request for comment on the practice of silver loading, in which insurers raise the price of premiums for silver-level plans on the marketplace to compensate for the loss of…

March Research Round Up: What We’re Reading

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…The ACA’s marketplaces were created to give consumers an unbiased one-stop shop for quality health coverage. When consumers go to HealthCare.gov, or an equivalent state-run enrollment platform, their personal information is kept private, they will be screened for multiple health insurance programs, and will have access to all available plans in their rating area. Although the idea behind direct enrollment…

Affordable Care Act Back in the Spotlight: Build on its Progress or Scrap it Entirely?

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…estimated 133 million – depend on it to protect them from discrimination due to a pre-existing condition. Further, with health care now representing 18 percent of our economic output, invalidating the law will result in an estimated 1.2 million people losing their jobs, with billions in financial losses for hospitals and other providers. Most legal experts – including conservative experts…

Happy Birthday to the Affordable Care Act: Your Presence is our Present

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…to be considered a qualified health plan. Before you, many insurance plans left out important and costly health services like mental health treatment, maternity care, and prescription drug coverage. This left consumers on the hook for high medical bills for health care services that are often unavoidable. You don’t discriminate You’ve stopped major medical insurance plans from charging higher premiums…

Stakeholders React to HHS’s Notice of Benefit and Payment Parameters for 2020. Part 1: Insurers

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…all urged HHS to maintain the existing renewal process. Molina explained that automatic renewals promote continuity of care, are “standard practice” in most insurance markets (e.g., property and casualty), and “don’t deter consumers from actively shopping for coverage…rather, they provide an important backstop against loss of coverage.” To encourage active shopping, Molina recommended that HHS instead invest more in outreach…

What, if Anything, Do the Latest Cost Sharing Reduction (CSR) Court Rulings Mean for 2020 Premiums?

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…cost-sharing plans. Of note, the court decisions suggest that the government continues to owe these CSR payments even though most insurers were able to mitigate their losses by increasing plan premiums in 2018 and beyond. In her latest article for the State Health & Value Strategies Expert Perspectives blog, CHIR’s Sabrina Corlette shares insights on the impact of this litigation…

House Hearings Shed Light on a Key Policy Priority: Protecting People with Pre-Existing Conditions

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Recently, House Minority Leader Kevin McCarthy attributed Republican losses in the midterm elections to GOP efforts to repeal the Affordable Care Act (ACA). In particular, McCarthy pointed to a provision of the House-passed American Health Care Act that would have permitted states to waive pre-existing condition protections, which he argued, “put [the] pre-existing condition campaign against us” in a debate…

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