Exchange directors, the Centers for Medicare and Medicaid Services, and insurers have an enormous opportunity to help consumers choose the plan that is right for them and make the enrollment process more efficient by improving the display of plan information on marketplace websites.
Federal Standardized Health Insurance Plans Could Help Improve Access to Care without Raising Premiums
Health insurance companies should offer marketplace plans that make the cost of basic outpatient care—like primary care, specialty care, and prescription drugs—affordable to consumers. This report shows that the new federal standardized silver plans will help consumers by covering this care before people meet their deductible.
Due to high deductibles in health plans, many insured consumers still have trouble being able to afford the health care they need. Some forward-looking health plans are taking steps to make sure their members can afford care to manage chronic conditions, such as diabetes, hypertension, and asthma.
Lack of access to dental care is a significant problem in American health care. Last week, USA Today reported that the number of adults seeking help in the emergency room for “long-delayed dental care” has doubled since 2000. This finding highlights data we released in May showing that dental care is one of the most persistent unmet health care needs for many adults.
This guide explains how to interpret health insurers’ annual statements. This knowledge can be helpful to advocates who are challenging rate increases during the rate review process.
Our infographic shares new data about the high out-of-pocket costs that consumers with non-group health insurance experience.
Non-Group Health Insurance: Many Insured Americans with High Out-of-Pocket Costs Forgo Needed Health Care
Our report finds that one-quarter of consumers who buy insurance on their own still have problems being able to afford needed care.
Ruth Petran has celebrated Mother’s Day with her children for the past 33 years, but this Mother’s Day is special. Ruth says it’s the kind of Mother’s Day that wouldn’t have been possible without the Affordable Care Act. This is the first Mother’s Day that Ruth will celebrate as a grandmother, as well as a mother. For years, Ruth worried that her daughter’s private insurance policy without maternity coverage would force her to delay having children. Thanks to the ACA’s protections that mandate maternity coverage for all consumers, Ruth’s daughter, could access the insurance she needed to start a family and give Ruth the grandchild she had been hoping for.
Both a call to action and a roadmap for progress, Families USA’s latest report, Health Reform 2.0 lays out a path for securing high-quality, affordable health care to all Americans—regardless of income, age, race, or ethnicity—and for achieving the “Triple Aim”: improving health, enhancing quality of care, and reducing health care costs.
Health Insurance Marketplace Experts: Savvier Consumers Prioritizing Health Care Needs over Premiums
With the second open enrollment period three weeks under way, we continued our series of talks with enrollment experts and journalists on December 3. Speakers shared how enrollment is unfolding in four of the federally facilitated marketplaces: Missouri, Illinois, Michigan, and Florida. There was general consensus among the experts that the emerging trend for second enrollment is that consumers renewing their coverage are savvier shoppers—thinking about how their health plans will meet their health needs rather than only focusing on the cost of monthly premiums. And they are asking more targeted questions about benefits and providers