State Flexibility to Address Health Insurance Challenges under the American Health Care Act, H.R. 1628 stat : kff

This purpose was added to the bill as the House considered changes to the ACA essential health benefits standard. Challenges in reducing premiums and maintaining coverageA second challenge for states relates to the cost of non-group health insurance premiums. The essential health benefits are a minimum that must be offered; insurers may offer additional benefits as well. In fact, replacing the individual requirement to have health coverage with the continuous coverage provision would initially increase premium rates as compared with current law. For example, a state could lower premium rates by using an essential health benefits waiver to reduce the required benefits in non-group or small-group policies.




That lack of predictability is also affecting insurance carriers as they prepare to submit their proposals for health insurance premium rates for 2018. In New Mexico, health insurance carriers have to submit their proposed premium rates by this weekend. "But a lot of people can't."Hanes went to New Mexico Health Connections, one of four insurance carriers available on the state exchange. Beth Hanes had to get new health insurance after her husband died last year. The law may change, she said, but for now the process for insurance carriers is the same.

Health Insurance Misconceptions

Every Idaho insurance carrier continues to lose millions of dollars in the individual health insurance market. About the Idaho Department of InsuranceThe Idaho Department of Insurance has been regulating the business of insurance in Idaho since 1901. I and the Department of Insurance also want to be a resource for the questions you may encounter as our health insurance system is debated. The mission of the Department is to equitably, effectively and efficiently administer the Idaho Insurance Code and the International Fire Code. For more information, visit www.doi.idaho.govDean L. Cameron is Director of the Idaho Department of Insurance.


collected by :Lucy William

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