Insights Column 12.23.2010
Happy holidays to you
If we had to describe this year in one word, it would be “historic.” Although we had some bumps along the way, Congress finally stood up for the American people and passed the Affordable…
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Fact Sheet 12.01.2010
Grandfathered Plans under the Patient Protection and Affordable Care Act
A "grandfathered" plan is a health insurance plan that existed before the Affordable Care Act passed on March 23, 2010. Grandfathered plans do not need to meet the same criteria as plans sold to…
Report 10.01.2010
Buyer Beware: Unlicensed Insurance Plans Prey on Health Care Consumers
Three companies have been liquidated by court order for scamming health care consumers. Insurance departments in some states have found that these companies sold unauthorized, unlicensed health insurance products to consumers and failed to…
Insights Column 09.21.2010
No more out-of-network E.R. bills
A man falls off the roof while cleaning the gutters. His wife, panic-stricken, hops in the car and speeds down the highway to get him medical attention as quickly as possible while her husband…
Report 09.01.2010
How the Affordable Care Act Helps Communities of Color
The Affordable Care Act is designed to expand health coverage, improve quality, and reduce costs. The new law also provides a critical foundation for addressing racial and ethnic health disparities. This series explores how…
Report 08.01.2010
How CHIPRA Improves Coverage for Children
This series covers everything you want to know about CHIPRA (the Children's Health Insurance Program Reauthorization Act of 2009), who it affects, and how. Learn how CHIPRA: allows legal immigrant children and pregnant women…
Report 04.23.2010
Rate Review: Holding Health Plans Accountable for Your Premium Dollars
When health insurance companies want to raise premiums, states use a process called "rate review" to decide whether proposed increases are justified. Many states have limited authority to prevent unreasonable premium increases, leaving consumers…
Report 02.20.2010
Medical Loss Ratios: Making Sure Premium Dollars Go to Health Care—Not Profits
A health insurance company’s “medical loss ratio” (MLR) is the share of premium dollars it spends on health care rather than administrative costs, marketing, and profits. We can protect consumers by requiring insurers to…
Report 05.20.2009
Hidden Health Tax: Americans Pay a Premium
When some of us are uninsured, all of us pay the price. Uninsured people pay as much toward their care as they can afford. Often, however, the uninsured cannot afford to pay the entire bill,…