Last month the Biden administration finalized rules establishing new standards and disclosure requirements for certain limited benefit products. In one of her recent Health Affairs Forefront articles, Sabrina Corlette takes a look at what’s in the final regulations.
As 2023 comes to a close, it’s time to think about health insurance for 2024. Consumers searching for a 2024 plan online may come across products that do not have to comply with the Affordable Care Act’s (ACA) consumer protections. This week, we’re highlighting frequently asked questions from our Navigator Resource Guide concerning the risks of buying coverage outside the ACA’s Marketplace.
The Biden administration has proposed a new rule limiting insurance products that are largely exempt from federal and many state-level consumer protections. In a post for Health Affairs Forefront, Sabrina Corlette takes a look at the risks these products pose to consumers and insurance markets, and what’s in the proposed rule.
Although the deadline to enroll in a marketplace plan beginning January 1 has passed in most states, Open Enrollment is still ongoing. As consumers look for an affordable health plan, it can be tempting to search for plans online, which may lead people to products sold outside of the Affordable Care Act’s (ACA) marketplace. This week, as a part of CHIR’s weekly Navigator Resource Guide series, we’ve highlighted FAQs discussing some of the pitfalls of buying a plan off-marketplace.
Last month the Texas Department of Insurance issued a consent order dissolving Texas-based Triada Assurance Holdings, operating under the name Salvasen Health, which marketed and sold their fixed indemnity plans to 65,000 consumers nationwide, advertising their products as comprehensive coverage. CHIR’s Madeline O’Brien looks at is Salvasen’s deceptive practices and state responses to mitigate harm to consumers.
Open Enrollment is in full swing, but consumers should beware of “junk plans” when shopping for health insurance. As part of CHIR’s weekly series highlighting FAQs from our updated Navigator Resource Guide, we examine the risks of buying a plan outside of the marketplace.
People shopping for health insurance online are often directed to websites using misleading or deceptive practices to steer them to products that are not compliant with the Affordable Care Act, such as fixed indemnity policies. In a new post for the Commonwealth Fund’s To the Point blog, CHIR’s Dania Palanker and Kevin Lucia discuss the marketing of limited plans as a primary form of coverage and the risks these products pose to consumers.
Open Enrollment in most states ends in just over two weeks, on December 15. While consumers are weighing their coverage options, we know that affordability is top of mind. Consumers who are ineligible for the Affordable Care Act’s (ACA) tax subsidies might want to look outside of the marketplace for slightly better deals on health plans. While doing so, however, consumers should be wary of what they might find. In this installment, we’ve collected a number of frequently asked questions (FAQs) from our Navigator Resource Guide on junk plans.
States are warning consumers of fraud and about the inadequate nature of some insurance products being sold that masquerade as health coverage. Over the last year, we identified alerts or press releases issued by 15 states warning consumers to be on their guard against deceptive marketing pitches for these products. In their latest post for the Commonwealth Fund’s To The Point blog, CHIR experts spoke with regulators in five of these states to better understand what was behind these warnings and get insight into potential pitfalls for consumers.
The Obama Administration has finalized rules to protect consumers by regulating the marketing and sale of fixed indemnity policies. Sabrina Corlette provides an overview of the final rule and highlights some outstanding questions.
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.
