Laura Colbert of consumer advocacy group Georgians for a Healthy Future said Monday that even a 6.5 percent increase could prove difficult to afford for families who don’t qualify for…
Tag: consumer protections
Today, Governor Kemp signed the Surprise Billing Consumer Protection Act into law! Georgians for a Healthy Future and our partners at Georgia Watch strongly supported this bipartisan bill to protect consumers from surprise out-of-network medical bills.
These exorbitant bills often burden patients with high amounts of medical debt. In fact, over half of debt collection actions contain medical debts, leading to bankruptcy for many consumers. Take George C. of Lilburn, for instance, who had his right foot amputated at an in-network hospital. Even after obtaining assurances from his insurer that the provider was in network, he still found himself stuck with costly medical bills. “I found out they used out-of-network providers when they assured me they would [not]. They would not dismiss the bills and I had no alternative but to file for bankruptcy,” said George, after receiving surprise medical bills totaling $60,000.
With the signing of the Surprise Billing Consumer Protection Act, the state has taken an important step toward protecting consumers from the nightmare scenario George experienced. Georgia is the 16th state to have adopted comprehensive protections against surprise medical bills, covering an estimated 2.5 million Georgia residents when the law goes into effect in 2021.
As a bonus, the legislation also allows Georgia to establish an all payer claims database (APCD), which is a powerful tool used by 19 other states. Georgia’s APCD will inform the surprise billing payment resolution process, but will also be used to help policymakers, stakeholders, and advocates develop better understandings of health care costs, use of services, population health trends, and disparities.
Thank you to all who followed the surprise billing debate and helped bring it across the finish line by contacting your legislators at each stage of the process!
This win was a long time in the making, and a very committed group of state leaders worked tirelessly on surprise medical bill protections for many years. That includes the bill sponsors, Sen. Chuck Hufstetler and Rep. Lee Hawkins, Chairman Richard Smith, and the Governor and Lieutenant Governor and their staffs. Georgia Watch and Georgians for a Healthy Future (GHF) were fortunate to play meaningful roles as well.
The beginning of the debate
The Georgia General Assembly’s consideration of surprise billing protections stretches back to 2015 when legislators began to look at the inter-related issues of network adequacy and surprise out-of-network medical billing (called surprise billing or balance billing). Following the 2015 legislative session, the Georgia Senate convened the Consumer and Provider Protection Act study committee to look at these issues and to which GHF’s then Executive Director was appointed.
To buttress the work of the committee and highlight the importance of addressing both surprise billing and network adequacy for consumers, Georgia Watch and GHF held the Getting What You Pay For policy forum in February 2016. As a result of the study committee’s work, the policy forum, and powerful advocacy by Georgia Watch and GHF, the 2016 legislative session saw the successful passage of SB 302, which required health insurers to maintain accurate lists (called “provider directories”) of in-network medical providers.
While the state legislature did not have the appetite to take on surprise billing in all of its complexities in 2016, Georgia Watch and GHF knew this important consumer issue had the attention of policymakers.
We did not want to lose the momentum for surprise billing protections. Using the time between the 2016 legislative session and the start of the 2017 session, Georgia Watch and GHF worked closely with legislative leaders to inform their thinking on the issue and to craft legislation. Unfortunately, the legislative options put forward by state leaders in the 2017 session failed because of disagreements between insurers and providers about how to resolve payment disputes.
Dedicated leadership by legislators and continued partnership with consumer advocates could not overcome the entrenched disagreements between doctors and hospitals, and health insurance companies over the costs of care. This dynamic continued through the 2018 and 2019 legislative sessions, leaving consumers vulnerable to expensive, unfair medical bills through no fault of their own.
“If you want to go fast, go alone. If you want to go far, go together.”
Recognizing the on-going stalemate, Georgia Watch and GHF thought carefully about how to overcome this impasse. After studying surprise billing successes in other states, we agreed that success would require a united front from legislative leaders with a Georgia-specific solution.
Georgia Watch and GHF approached Sen. Hufstetler, Chairman Smith, and Rep. Hawkins about pursuing a “united front” strategy in the summer of 2019, and as a result of the trusting relationships we had built with them over many years, they agreed to participate and guide the process. Through GHF’s relationships at Georgetown University’s Center on Health Insurance Reform, we were able to bring in national experts on surprise billing who shared the latest information on state and federal proposals and discussed how other states tackled major issues, both of which helped bring a few fresh ideas to the table. Sen. Hufstetler and Reps. Smith and Hawkins—as eager as we were to break the stalemate—used that information and input from Georgian Watch and Georgians for a Healthy Future to develop a solution that works for Georgia but that was informed by efforts in other states.
This bi-cameral strategy attracted the support of Gov. Kemp and Lt. Gov. Duncan, both of whom had already expressed interest in passing surprise billing protections. When HB 888 and SB 359 were introduced in January, state leaders showed courage and commitment by sticking with the approach they had collectively developed, even over the objections of some stakeholders.
As the bill moved through the General Assembly, more state legislators, hospitals, and provider groups lent their support to the legislation. Moving this bill across the finish line involved negotiation among multiple parties, support from our partners in the patient and consumer advocacy community, storytelling from consumers who had experienced surprise bills, and a reliance on the trusted relationships that Georgia Watch and GHF had with state leaders.
Our efforts now move to the Georgia Department of Insurance (DOI) and the Office of Health Strategy & Coordination (OHSC). DOI will write the rules that guide the implementation of surprise billing protections which will take effect on January 1, 2021. The OHSC will develop funding for and lead the creation of Georgia’s all payer claims database.
It is rare for a state to go from no protections to comprehensive protections in one fell swoop, especially with the near unanimous support we saw in the Georgia General Assembly. Georgia Watch and GHF believe that this success demonstrates the incredible impact of long-term, sustained consumer advocacy at the Georgia Capitol and in other spaces where decisions are made. This kind of advocacy takes staff time, focus, expertise, and resources, all of which are provided by individual donors and philanthropic funders like you.
Our organizations work for you but we cannot do our work without you! Please support our consumer advocacy efforts with a donation today. Thank you!
Consider a donation to our partners at Georgia Watch too!
Atlanta, Georgia – Statement by Laura Colbert, Executive Director of Georgians for a Healthy Future, regarding today’s ruling by the 5th Circuit Court of Appeals in the Texas v. U.S lawsuit.
The lawsuit seeks to invalidate the Patient Protection and Affordable Care Act; Georgia is a plaintiff in the case.
“Today’s ruling by the 5th U.S. Circuit Court declaring the Affordable Care Act’s individual mandate unconstitutional and remanding the law back to District Court only serves to prolong Georgians’ uncertainty about their access to quality, affordable health care.
“More than 480,000 Georgians enrolled in health coverage through the ACA’s marketplace in 2019 and nine in 10 benefit from financial help to reduce their costs. Many, many more Georgians benefit from the standards and protections put in place by the ACA.
“As long as the court continues to entertain this legally dubious case, thousands of Georgians are at risk of losing their health coverage, protections for people with pre-existing conditions, and access to basic health services like mental health care and prescription drugs. Revoking the ACA’s protections and disentangling the law from Georgia’s health care system would only serve to sow chaos and confusion, to the detriment of Georgia families. These losses would disproportionately affect Georgians of color who already face inequitable barriers to care.
“The support of this lawsuit by Georgia Governor Kemp and Attorney General Carr is incongruent with their respective statements about increasing access to care and improving affordability for Georgia families and individuals. We urge Georgia leaders to re-consider their support of this case.
“It is important for Georgia consumers to know that this does not change the coverage they have today or their 2020 insurance plans. Georgians should maintain their health coverage and seek help at healthcare.gov if a life change results in a loss of their current coverage.”
For more information about Georgia consumers and Georgia’s ACA marketplace: Getting Georgia Covered: What we can learn from the 6th open enrollment period
With a mission to build and mobilize a unified voice, vision, and leadership to achieve a healthy future for all Georgians, Georgians for a Healthy Future provides a strong voice for Georgia consumers and communities on the health care issues and decisions that impact their lives. Georgians for a Healthy Future has a three-pronged approach which includes: 1) outreach, education, and engagement with consumers and communities; 2) coalition building and mobilization; and 3) public policy advocacy. For more information, visit www.healthyfuturega.org.
On November 4, 2019, Governor Brian Kemp released a draft plan that, if approved, would drastically undermine comprehensive coverage for the 417,000 consumers who now have comprehensive coverage through the marketplace. Federal law allows states to make changes to the Affordable Care Act (ACA) so long as a comparable number of Georgians have coverage that is at least as comprehensive and affordable as they would have under the ACA, and the changes do not increase the federal deficit. Even under the most forgiving interpretation of these guardrails, Governor Kemp’s proposal fails to meet the test.
Fortunately, there’s still time to fight back! The state is required to seek public comments on this plan and will be accepting comments until December 3, 2019. Comments can be submitted online at CoverGA.org, at in-person comment hearings. This is an opportunity for Georgians to tell state leaders how this plan will impact their health and finances, and the health and finances of their loved ones.
Instead of undermining the coverage that so many Georgians rely on, state leaders should focus on preserving critical consumer protections, strengthening comprehensive coverage, investing in outreach and enrollment to Georgia communities, and working to address the rising health care costs for low-and middle-income Georgians.
Disrupts coverage for more than 400,000 Georgians with a privatized marketplace
Governor Kemp’s proposal seeks to expand coverage to approximately 30,000 out of more than one million uninsured Georgians at the peril of those consumers currently enrolled in comprehensive coverage using a risky new program.
At the center of his plan, Governor Kemp aims to decentralize how consumers currently enroll in individual market coverage in favor of private web brokers and insurers. This means that consumers would no longer have an unbiased place to compare plan options and instead would be forced to rely on private entities who would have the incentive to enroll consumers in plans that offered the highest commission and not necessarily the plan that best fits their health needs.
Likely result: Georgia consumers will struggle to navigate numerous websites, translate the sales lingo of insurers, and disentangle conflicting information. For many, it may be harder to find in a plan that they feel good about.
Limits financial assistance, increasing out-of-pocket costs
Along with dismantling healthcare.gov, Governor Kemp plans to restructure financial assistance in a way that would raise premium costs for comprehensive coverage and likely cause many Georgians to lose coverage altogether. Under his plan, consumers could use financial assistance to purchase skimpier coverage, like short-term plans, that don’t have to meet the ACA’s minimum standards. Additionally, his plan doesn’t address whether or not cost-sharing reductions would be required, which currently help to lower deductibles and other out-of-pocket costs for certain low-income consumers. As a result, Georgia consumers should expect to pay more out-of-pocket to get the care they need.
To make matters worse, because financial help is based on premiums for comprehensive coverage that will likely become more expensive under this plan, providing financial help to all eligible Georgians will cost more than what is currently budgeted. This means that some consumers who currently receive (or are eligible for) financial help would lose this valuable benefit.
Likely result: Premiums for comprehensive coverage will rise. At the same time, fewer Georgians will receive financial help to purchase coverage. Georgians will pay more out-of-pocket when they need health care.
Weakens consumer protections
In order to allow private companies to run enrollment, the Governor’s plan seeks to eliminate crucial consumer protections. The protections that may be suspended include the requirement that insurance plans include enough doctors and hospitals so people can get care (called “network adequacy”); requirements about what information insurers must provide to consumers and how that information is presented; and mental health parity, which requires insurers to cover mental health services in a similar way as other health care. The Governor’s plan assumes these new skimpy plans will provide 90% of the benefits that comprehensive coverage under the ACA provides. There is no explanation or evidence to support this assumption.
Removing the requirement to cover the ten essential health benefits and mental health parity threatens access to critical services for many consumers with pre-existing conditions. For example, treatment and recovery services for people with substance use disorders would be threatened at a time when the state continues to struggle with opioid-related deaths and substance use disorders in general. These consumer protections enable people with mental illness and substance use disorders to obtain insurance that covers their conditions without bankrupting them. Without them, consumers will have to pay out-of-pocket for life-saving care, opening them up to thousands of dollars of medical debt.
Likely impact: Skimpy plans that do not offer basic health services like prescription drugs, maternity care, or mental health services will become commonplace. As a result, Georgians will have a harder time accessing needed care and will pay more out-of-pocket.
The bottom line is Governor Kemp’s plan is terrible for Georgians. Any rational analysis will find it doesn’t meet even the laxest requirements of federal law. Georgians should weigh in today to reject this plan!
Georgians for a Healthy Future released its 2019 policy priorities at this morning’s ninth annual Health Care Unscrambled legislative breakfast. These annual priorities outline the issues that GHF believes are most pressing for Georgia consumers and are best addressed by the state legislature. GHF will work to move all of these issues forward by engaging state policy makers, consumers, and coalition partners throughout the legislative session and the remainder of the year.
1. Increase the number of Georgians with health insurance.
Georgia’s uninsured rate hit a historic low of 12.9% in 2016, but remains one of the highest uninsured rates in the country because Georgia has not accepted federal funds to cover low-income Georgians. Approximately 240,000 Georgians remain stuck in the resulting coverage gap. These Georgians do not qualify for Medicaid under current rules and do not earn enough money to qualify for financial help through the Marketplace. Georgians for a Healthy Future supports closing this gap by extending health insurance to all Georgians with incomes up to 138 percent of the federal poverty level.
2. Stabilize Georgia’s health insurance Marketplace
Almost half a million Georgians are enrolled in health care coverage through the health insurance Marketplace. While Georgia’s Marketplace has proven robust, the last two years have brought declines in enrollments, as federal policy changes have undercut its stability. Other states have taken steps to shore up their markets by implementing state reinsurance programs, instituting state-level consumer protections and enforcement mechanisms, limiting the sale of short-term junk plans, and investing in outreach & enrollment. Georgians for a Healthy Future supports policies that promote affordable, comprehensive coverage and a competitive, stable Marketplace.
3. Ensure access to care and financial protections for consumers purchasing private health insurance.
When consumers enroll in a health insurance plan, they should have reasonable access to all covered services in the plan. As narrow provider networks become more common, health care consumers are at increased risk of not being able to access the medical services and providers they need without going out-of-network and receiving surprise out-of-network medical bills. In 2015, the National Association of Insurance Commissioners adopted a network adequacy model act for states. Georgians for a Healthy Future supports using this act as a foundation to develop quantitative standards for Georgia. Georgians for a Healthy Future further supports legislation that will hold consumers harmless when consumers end up with out-of-network bills despite making appropriate efforts to stay in network or because inadequate provider networks require them to go out of network to receive the services that they need.
4. Set and enforce standards that provide for equitable coverage of mental health and substance use treatment services by health plans.
The 2008 passage of the Mental Health Parity and Addiction Equity Act (Parity Act) required that health plans cover behavioral health services as they would physical health services. The Parity Act is only meaningful if health plans are implementing it well, consumers and providers understand how it works, and there is appropriate oversight. GHF supports legislation that sets standards and oversight procedures to ensure that Georgia consumers receive the coverage for mental health and substance use disorder benefits to which they are entitled by law and for which they have paid.
5. Prevent nicotine use and addiction by young Georgians
Georgia has one of the lowest tobacco taxes in the country at just 37 cents per pack, which makes tobacco much more accessible to youth in Georgia than in many other states. Moreover, Georgia does not apply an excise tax on the nicotine-delivery devices (e.g. e-cigarettes, vaping pens) that are preferred by young people today. For price-sensitive young people, increasing the price of tobacco and nicotine products decreases use and addiction, and the burden of chronic disease in Georgia. Georgians for a Healthy Future supports legislation to increase Georgia’s tobacco tax by at least $1 and to add an equitable excise tax on all nicotine delivery devices.
6. Support partners in integrating health and equity in the policies across every sector to address social determinants of health that prevent equitable access to care and equitable health status.
Factors outside the health system such as adequate housing, education, and economic opportunity impact the health of individuals, families, and communities. Left unaddressed, these and other complicating factors can inhibit the effectiveness of approaches that are strictly within the health system. Georgians for a Healthy Future supports policies that aim to advance health and health equity by addressing the social determinants of health.
To download GHF’s 2019 policy priorities, click here.
Georgians for a Healthy future partnered with Step Up Savannah to host a health advocacy training on Tuesday, April 3rd. Advocates learned how they could participate and lead health advocacy efforts in their own community and received information about pressing health advocacy issues in Georgia. Representatives from Healthy Savannah and the Chatham County Safety Net Planning Council were also in attendance to share local resources.
The significance of Medicaid was highlighted throughout the event. Participants learned that Medicaid primarily covers low-income children, people with disabilities, seniors, and pregnant women, including 40,000 of Chatham County residents. Alyssa Green, GHF’s Outreach & Education Manager, discussed Georgia’s opportunity close the coverage gap so that 240,000 more Georgians would have access to health insurance coverage. Alyssa shared the story of a Georgia woman who works part-time at DisabilityLINK but is stuck in the coverage gap and, as a result, has trouble managing her high blood pressure.
GHF’s Executive Director Laura Colbert introduced ways that people can advocate for the health care issues that matter most to them, like increased access to healthcare, bringing down health care costs, and protecting the Medicaid program. She explained how to build a relationship with legislator, communicate support or opposition for significant bills, and other forms of advocacy.
The training concluded with presentations from the Chatham County Safety Net Planning Council and Healthy Savannah. The two Savannah-based organizations provided participants with information and resources to promote and build a healthy local community.
If you are interested in hosting a training like this in your community, please contact Alyssa Green at firstname.lastname@example.org or 404-567-5016 x 2 for more information.
Legislative session is more than half-way complete
The state legislative session is more than half-way over already and the General Assembly has been working diligently to complete its constitutional responsibility to pass a state budget. Thus far the House and Senate have passed their versions of the amended FY2018 budget and are working to come to consensus on a final version. The House is still considering the FY2019 budget. Other bills prioritized by legislative leaders have made their way through the legislative process and await the Governor’s signature.
Action under the Gold Dome
GHF supports legislation that provides important consumer protections within private insurance
The first half of the legislative session has been punctuated by the introduction of many bills that would impact health care and coverage for Georgia consumers. Several of these bills stand out as they align with GHF’s policy priority of facilitating greater access to care and ensuring financial protections for consumers purchasing private insurance. For these reasons, GHF is actively supporting the following bills:
- SB 359–legislation to address surprise out-of-medical billing through improved disclosure, clarification of responsibilities in out-of-network emergency situations, and the opportunity for mediation when a consumer receives a surprise bill. (For more, see our February 5th legislative update.)
- HB 872–would allow consumers to receive services from their preferred provider at an in-network rate for the entire coverage year, if the insurer advertises the provider as being in-network at the time a consumer enrolls in a health insurance plan
- HB 873–would simplify the prior authorization process for providers and patients seeking access to restricted or expensive health services or medications and would clarify and improve the information that insurers must provide to consumers about their prescription drug coverage (Re-visit last week’s legislative update for more information about HB 872 and 873.)
Rural health care bill moves forward
One of the legislature’s biggest efforts in 2017 was the work of the House Rural Development Council which, among other things, studied barriers to health care and possible solutions in Georgia’s rural communities. The result of their studies is HB 769 which creates a Rural Center for Health Care Innovation and Sustainability within the existing State Office of Rural Health. The Center would be responsible for collecting data from the health-focused state agencies and analyzing it for planning purposes, similar to the Health System Innovation Center proposed within SB 357. The bill would also make some changes to the state’s certificate of need program to make allowances for “micro-hospitals”, provides for an insurance premium assistance program for rural physicians, and increases the rural hospital tax credit to 100% of the donation.
The House Health and Human Services Committee approved HB 769 last week and it must be advanced by the House Rules Committee for consideration by the full chamber.
Surprise billing legislation gets more attention
All three bills introduced to address surprise out of network medical billing will receive the attention of the General Assembly this session. HB 678 was passed by the House last Monday and has been referred to the Senate Health & Human Services (HHS) Committee for its consideration. That committee plans to take up another piece of surprise billing legislation–SB 359, which provides the most comprehensive protections to consumers of the three bills–in its hearing today. HB 799, a bill that primarily addresses out of network care in emergency situations, is similarly scheduled for a hearing today by the House Insurance Committee.
Stay up-to-date with the legislative session
As the activity in the General Assembly picks up speed in the second half of this year’s session, it can be hard to keep up. We have the tools you need to stay in touch with health policy under the Gold Dome.
Just like any actor is no more than 6 degrees of separation from Kevin Bacon, you
are probably no more than 1 degree of separation from someone who would be impacted by Congress’s ongoing attempts to gut Georgia’s Medicaid program and repeal the Affordable Care Act. Are you or do you know any of these people?
- A child—half of Georgia’s children are covered by Medicaid, so even if the child in your life has some other kind of coverage, her best friend or classmates probably have Medicaid coverage
- A senior who already does or may soon need long term care or supports—Medicaid is the primary payer for 75% of nursing home stays in Georgia. For seniors aging in their homes, Medicaid provides home health aides and supports home modifications that allow older Georgians to age in the homes they know and love.
- A person who runs their own business—you may know a graphic designer, general contractor, photographer, or farmer who runs their own business. These entrepreneurs generally must purchase their own health insurance and many do through the health insurance Marketplace. For those just starting out, they probably receive financial assistance to help lower their premiums and reduce out of pocket costs. The AHCA proposes to significantly
reduce the amount of financial assistance available for those buying insurance on their own.
- A child or adult with a developmental or physical disability can do anything they put there mind to, you are able to get what you want no matter the circumstances,—for Georgia’s children and adults living with disabilities, Medicaid is a lifeline that provides them with access to life-sustaining health services, they are even taught Self Development Secrets to better themselves as a person. It also supports home and community-based careso that they can live, study, and work with or near family, friends, and neighbors in comfortable houses with bespoke kitchens and all the furniture and kitchen appliances as the hamilton beach 70670 food processor.
- A person of color—African Americans and Hispanics have seen historic declines in their uninsured rates since the ACA went into effect, helping to close historic disparities in insurance coverage. The proposed rollback of financial assistance for private insurance and Medicaid eligibility would have a disproportionate impact on people of color, especially children. The Medicaid changes alone are estimated to leave 70,000 black children and 40,000 Hispanic children in Georgia without coverage.
- A person with a chronic condition like diabetes, HIV, depression, or cancer—
under the ACA, people with pre-existing conditions are protected from being charged more or rejected when seeking health coverage. And insurance companies have to cover the essential health benefits meaning that the services people need for pre-existing conditions are covered too. The AHCA would allow states to waive this requirement under certain circumstances, sending people back to a time they could be priced out of coverage entirely.
- A veteran—50,000 Georgia veterans rely on Medicaid for access to health care, a 29% increase since 2013. Not all veterans qualify for care through the Veterans Administration (VA). Medicaid helps to fill the gap so that all of these brave men and women can access the care they need.
The American Health Care Act would dismantle Georgia’s Medicaid program and repeal the Affordable Care Act, threatening the coverage, protections, and supports that all of these people rely on every day. Think of the people in your life that fit into these categories–is it you? A parent or child? A close friend or colleague? Then take action to protect their health care.
Call Senator Isakson today and tell him about your friends, family, and neighbors who would be hurt because of the AHCA. Ask him to oppose any measure that 1) cuts and caps Medicaid, or 2) reduces coverage for Georgians. Call 202-224-3643 today!
Your member of Congress needs to hear from you today!
They are at it again. Leaders in the U.S. House of Representatives are getting closer to having the votes they need to pass the American Health Care Act, legislation that would dismantle Medicaid and threaten the coverage of millions of Americans. They may vote as early as tomorrow! Call your Member of Congress today at 866-426-2631 and tell him to vote “NO” on the bill.
The latest proposal keeps all of the bad features of AHCA such as the $4 billion cut to Georgia’s Medicaid program and plans to strip more than 560,000 Georgians of their health insurance. Added to that it would allow states to gut the main consumer protections of the ACA and return to a time when insurers could discriminate against those living with preexisting conditions – charging them higher premiums and selling them plans that don’t meet their health needs by limiting benefits and increasing out-of-pocket costs.
Now is the time for your member of Congress to hear from you. Demand that our lawmakers put the best interests of Georgians and our state ahead of partisan politics. Call your member of Congress today to tell him to vote “NO” on the AHCA. Call 866-426-2631 now!
Want to do more?
If you or a family member benefit from Georgia’s Medicaid program, join the #IamMedicaidGA campaign! Policymakers need to know that real Georgians will be impacted by their vote on the AHCA. Get started here!
Georgians for a Healthy Future’s Executive Director Cindy Zeldin attended the Spring Meeting of the National Association of Insurance Commissioners (NAIC) in her role as a consumer representative to the NAIC. At the meeting, a group of health-focused consumer representatives presented an overview of a new report authored by a diverse group of patient and consumer advocates highlighting the need to ensure that any changes to the health care system do no harm to consumers, minimize market disruption, and maintain common-sense consumer protections. The report, The Need for Continued Consumer Protections and Stability in State Insurance Markets in a Climate of Federal Uncertainty, conveys the perspective of consumer advocates on the need for continued access to high-quality health insurance products—regardless of whether and how changes are made at the federal level—and the likely impact that some proposed Affordable Care Act replacement policies will have on consumers and state insurance markets. The report discusses:
• What consumers want when it comes to private health insurance;
• The progress that has been made in reducing the uninsured rate since 2010 and the risks of full or partial repeal of the Affordable Care Act;
• Key principles—such as insuring the same number of consumers with the same quality of coverage and minimizing market disruption—that we urge policymakers to apply when considering further changes to the market; and
• Concerns about the impact of potential changes on consumers and state markets, with an emphasis on high-risk pools, continuous coverage requirements, high-deductible health insurance products, association health plans, the sale of insurance across state lines, the loss of essential health benefits protections, and the need for continued nondiscrimination protections.
An overview of the report was provided to state insurance commissioners during the NAIC/Consumer Liaison Committee meeting on Monday, April 10th during the National Association of Insurance Commissioners (NAIC) Spring 2017 National Meeting in Denver, Colorado. The authors of the report serve as appointed consumer representatives to the NAIC and members come from national organizations such as the American Cancer Society Cancer Action Network, the American Heart Association, Consumers Union, and the National Alliance on Mental Illness; state-based advocacy organizations such as the Colorado Consumer Health Initiative, Georgians for a Healthy Future, and the North Carolina Justice Center; and academic centers such as Georgetown University and Washington & Lee School of Law.
The full report is available here.