Health Care and the Race for Insurance Commissioner

By Cindy Zeldin and Joann Yoon


On Election Day, Georgia voters will head to the polls to elect our state’s policymakers. Most voters are familiar with certain elected offices, like that of Governor, but many Georgians may be unaware of the importance, or perhaps even the existence, of the Office of State Insurance Commissioner.



The Insurance Commissioner runs the Georgia Department of Insurance and is elected every four years in a statewide vote. Among the core functions the Department of Insurance performs is the regulation of health insurance in Georgia. The Insurance Commissioner ensures that companies selling individual and small group policies in Georgia are financially solvent and enforces consumer protections and state laws regarding benefits that private insurers must include in policies sold in Georgia.



With the recent enactment of the Affordable Care Act, the new health care law, the role of the Insurance Commissioner has expanded. Our next Insurance Commissioner’s decisions will play an important role in shaping Georgia’s health insurance system for consumers in 2011 and well into the future.

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Health Reform and The Georgia Governor’s Race

By Benjamin Nanes

 

Starting in 2014, the health care reform legislation recently passed by Congress will prohibit insurers from discriminating against people with pre-existing conditions. For the next few years though, insurers will be allowed to continue their current practice of charging higher premiums for people with chronic medical conditions, or denying coverage altogether. In order to provide immediate help to those who are unable to purchase health insurance because of preexisting conditions, the legislation also provides for the creation of state-based high-risk pools where people who could not purchase insurance elsewhere would be able to find coverage. But Georgia’s insurance commissioner and Republican candidate for governor, John Oxendine, doesn’t want the state to participate.

 

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