Due to changes made through recent federal rules issued by the Trump administration, small businesses and self-employed business owners can buy health plans through associations that are exempt from many state and federal regulations. These new rules leave consumers without important protections. For example, Association Health Plans (AHPs) don’t have to cover all of the benefits that other plans sold to individual and small businesses must cover.
Maryland's Down Payment Plan: Helping People Get Health Insurance and Lowering Families' Health Costs
Both before and especially after President Trump and his congressional allies ended federal enforcement of the ACA’s individual mandate, several states established their own enforcement systems. Maryland’s lawmakers are proposing an innovative “down payment plan” that uses a more enrollment-oriented approach to requiring people with affordable access to health coverage to obtain insurance. Instead of imposing tax penalties on the uninsured, the Maryland proposal helps the uninsured enroll into coverage whenever possible.
Despite the Affordable Care Act’s major improvements to the country’s health insurance system, health care costs remain unaffordable for many families. Much attention has focused on the problems of people with incomes too high for federal financial assistance, but comparable or greater problems affect low-wage workers and moderate-income families.
Does Your Candidate Actually Support Protections for People With Preexisting Conditions? The Three-Part Test
How can you know the truth about a candidate’s support for preexisting condition protections? Families USA has developed a simple three-part test to identify which candidates actually support people with preexisting conditions and which ones don’t.
How the Midterm Elections Could Impact People in America with Preexisting Conditions: National and Key State Fact Sheets, Infographics, and Tables
This midterm election season, some candidates want to take away health insurance protections for people with preexisting conditions. This would allow health insurers to return to abusive practices that were widespread before protections against preexisting condition discrimination were in place. These national and key state fact sheets, infographics, and tables explain how many people would be affected if insurers are once again permitted to flatly refuse coverage, increase premiums, or deny treatment to people with preexisting conditions.
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 final rule released by the U.S. Department of Health and Human Services. The rule makes it legal to sell “short-term insurance” plans for long periods of time that do not comply with the ACA’s consumer protections.
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 policy put forth by the Trump administration that expands short-term health insurance plans.
Under the guise of creating low-cost health options, the Trump administration has two new regulations that will 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.
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.