The U.S. Department of Health and Human Services (HHS) has released a final rule that is dangerous to consumers and to health care marketplaces. This rule would expand the sale of “short-term limited duration plans” that do not have to comply with the consumer protections afforded under the Affordable Care Act (ACA) and often leave consumers uncovered for major medical expenses.
Exchange directors, the Centers for Medicare and Medicaid Services, and insurers have an enormous opportunity to help consumers choose the plan that is right for them and make the enrollment process more efficient by improving the display of plan information on marketplace websites.
Federal Standardized Health Insurance Plans Could Help Improve Access to Care without Raising Premiums
Health insurance companies should offer marketplace plans that make the cost of basic outpatient care—like primary care, specialty care, and prescription drugs—affordable to consumers. This report shows that the new federal standardized silver plans will help consumers by covering this care before people meet their deductible.
Due to high deductibles in health plans, many insured consumers still have trouble being able to afford the health care they need. Some forward-looking health plans are taking steps to make sure their members can afford care to manage chronic conditions, such as diabetes, hypertension, and asthma.
Lack of access to dental care is a significant problem in American health care. Last week, USA Today reported that the number of adults seeking help in the emergency room for “long-delayed dental care” has doubled since 2000. This finding highlights data we released in May showing that dental care is one of the most persistent unmet health care needs for many adults.
This guide explains how to interpret health insurers’ annual statements. This knowledge can be helpful to advocates who are challenging rate increases during the rate review process.
Our infographic shares new data about the high out-of-pocket costs that consumers with non-group health insurance experience.
Non-Group Health Insurance: Many Insured Americans with High Out-of-Pocket Costs Forgo Needed Health Care
Our report finds that one-quarter of consumers who buy insurance on their own still have problems being able to afford needed care.
Ruth Petran has celebrated Mother’s Day with her children for the past 33 years, but this Mother’s Day is special. Ruth says it’s the kind of Mother’s Day that wouldn’t have been possible without the Affordable Care Act. This is the first Mother’s Day that Ruth will celebrate as a grandmother, as well as a mother. For years, Ruth worried that her daughter’s private insurance policy without maternity coverage would force her to delay having children. Thanks to the ACA’s protections that mandate maternity coverage for all consumers, Ruth’s daughter, could access the insurance she needed to start a family and give Ruth the grandchild she had been hoping for.
The second open enrollment period just ended—and it was a tremendous success. The fact that enrollment systems functioned much better this time around certainly made it easier for people to enroll. But there’s no doubt that the commitment and creativity of 23,000 certified application counselors, navigators, and in-person assisters across the country have made big contributions to enrollment gains. In this enrollment period, we saw navigators and assisters reach new heights of creativity as they strove to find consumers and help them sign up for health insurance.