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.
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:
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.
The Trump Administration wants to turn back the clock on protections for health care consumers established by the Affordable Care Act. This latest act of sabotage on the health law came in the form of a proposed rule released by the Department of Health and Human Services. The proposed rule would make it legal to sell “short-term insurance” plans for long periods of time that do not comply with the ACA’s consumer protections.
Funding CSR Payments in the Health Insurance Stabilization Package Could Harm Low- and Middle-Income Consumers
Families USA strongly supports bipartisan efforts to give consumers affordable health insurance in the individual market. A successful stabilization bill would enhance affordability and access by raising advance premium tax credits (APTCs), funding reinsurance, financing outreach and enrollment assistance, and stopping proposed regulations that would let short-term plans and association health plans (AHPs) substantially undermine the individual market.
Idaho state officials sought to create “state-based plans” for health insurance that would set a precedent for individual market insurance plans that could deny coverage for preexisting conditions. The Idaho health insurance guidelines would put older and sicker residents at a disadvantage.
To protect their residents, some states are considering using their own income tax systems to replace the federal government’s enforcement of the individual mandate. But another approach under consideration in Maryland would both prevent the harm forecast by CBO while taking new steps to insure families who would otherwise remain without coverage.
Not only would Maryland’s approach increase coverage, newly insured young and healthy residents would improve the overall risk pool, stabilizing markets and lowering premiums for numerous insured residents who buy individual coverage.
In late January, the Trump administration quietly announced two alarming new policies that will lead to more discrimination in health care: a change in Medicaid policy made through executive order, and a proposed rule that is open for comment until March 27, 2018.
The Center for Medicare and Medicaid Services’ approval of Kentucky’s Medicaid waiver on January 12, 2017, opens a new front in the Trump Administration’s campaign to roll back the gains in coverage and health care achieved under the Affordable Care Act and Medicaid.
The Avalere Study of the Impact of Murray-Alexander and Collins-Nelson Bills on Insurance Premiums: What It Says and Does Not Say
Why restoring cost-sharing reduction payments and funding two years of reinsurance payments won't be enough to counter the devastating impact of the tax bill on health insurance.