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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…
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…
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…
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…
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…
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…
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…
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,…