On July 7, the Centers for Medicare and Medicaid Services (CMS) announced a policy change that could fundamentally undermine the individual market, endangering health care for millions of people who get health care through the individual marketplace. CMS announced it will not distribute more than $10 billion out of a "risk adjustment" pool which is funded by insurers who participate in the individual and small-business markets. The risk adjustment program collects funds from insurers that cover healthier people and redistributes those funds to plans that have sicker enrollees.
With last night’s announcement of Brett Kavanaugh as President Trump’s nominee to replace Justice Anthony Kennedy on the Supreme Court, a confirmation battle begins in earnest in the Senate. In the coming years, federal courts will be hearing cases that involve the basic pillars of our health care system, jeopardizing the health care of millions of people. Between now and 2020, there is a significant chance that the Supreme Court could decide on any or all of the following major health care issues:
Families USA, Mental Health America, the National Alliance on Mental Illness, and the National Council for Behavioral Health are four nonprofit, nonpartisan organizations that represent health care consumers, including those with mental health and substance use disorders. We have joined together to bring attention to a heath care proposal put forth by the Trump administration that would expand short-term health insurance plans.
The Trump administration just released a final policy that will substantially increase the number of Americans who could be sold junk insurance in the form of “Association Health Plans,” or “AHPs.” This new and very dangerous step in the administration’s ongoing campaign to sabotage the Affordable Care Act could greatly reduce people’s access to essential health care, especially for those with preexisting conditions and older adults.
Much of the report’s media coverage has focused on the projected 15 percent premium increase for 2019 as a measure of the damage being done by the Trump administration and its Republican allies in their ongoing campaign to sabotage health insurance markets. In truth, this sabotage has imposed a much higher cost on millions of families in America.
Third-party payment programs can improve affordability and increase enrollment for low-income consumers without triggering adverse selection.
This week, the Commonwealth Fund published my research report describing several successful programs, primarily local, that use hospital dollars to increase enrollment into marketplace coverage by lowering premium costs for low-income, uninsured consumers.
Under the guise of creating low-cost health options, the Trump administration has proposed two new regulations that would have dire consequences for two groups:
Through its short-term plan and association health plan rules, the Trump administration will break the current market for individual health insurance in two. These dangerous new sham health plans roll back the current protections and benefits -- leaving people vulnerable to predatory insurers and drowning in the waters of mounting health care costs.
By weakening the standards around what benefits health plans must cover and other changes, the latest policy from the Trump Administration will threaten the quality and affordability of health coverage.
Under a proposed rule open for comment until April 23, 2018, the Trump administration wants to expand the sale of substandard, sham health insurance. If finalized in its current form, this rule will harm consumers and the insurance market.
The comment period for the public to speak out against the rule has closed. View Families USA's comments.