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Posts by Sarah Lueck

With About 2 Weeks Left, Consumers Should Enroll in Marketplace Plans

November 29, 2018

With about two weeks left before the December 15 deadline to sign up for Affordable Care Act (ACA) plans through health insurance marketplaces, people who need health coverage for 2019 should focus on them — and not the short-term plans that new federal rules aim to establish as an alternative. Unlike marketplace plans, short-term plans don’t offer...

Doctor Administering Shot to Patient

Senate Considering Blocking Expansion of Skimpy Health Plans

October 10, 2018

Update, October 10: we’ve updated this post to include more information about the lawsuit to block the federal rules.

The Senate is expected to vote as soon as today on a resolution to overturn recent federal rules expanding short-term health plans, which are...

Affordable Care Act

With Federal Rules Weakened, States Should Act to Protect Against Short-Term Health Plans

August 1, 2018

New federal rules, released today, allow short-term plans exempt from pre-existing condition protections and benefit standards to last for up to one year and to be renewed. It’s now up to states to protect their residents and their insurance markets from an expansion of...

Landing - State Limitations on the Duration of Short-term Health Insurance Plans, 2018

3 Factors That Will Determine the Damage From Association Health Plans

July 27, 2018

With federal rule changes for association health plans (AHPs) starting to phase in this fall, a big question is how much the plans will...

Medical Supplies

Farm Bill Funding for Association Health Plans Could Weaken Coverage, Raise Costs

May 16, 2018

The pending House farm bill authorizes up to $65 million to help agricultural organizations set up association health plans (AHPs) to cover their members. But expanding AHPs could lead to higher premiums and reduced choices in other insurance markets that serve farm workers and their families....


Iowa Health Plan Proposal Would Raise Consumer Costs, Weaken Protections

February 28, 2018

Iowa lawmakers are considering exempting health plans offered by the state’s Farm Bureau from the Affordable Care Act’s (ACA) benefit standards and consumer protections. That would generate premium hikes in Iowa’s individual insurance market in 2019 and expose enrollees in the new plans to high costs and benefit gaps if they get sick.

The Iowa legislation, proposed in the state...

Stethoscope on Blue Background

Trump Proposal Expanding Short-Term Health Plans Would Harm Consumers

February 20, 2018

The Trump Administration proposed rules today to expand the use of short-term health plans as an alternative to plans that meet more stringent standards. This would let a parallel market for skimpy plans operate alongside the market for comprehensive individual health insurance, exposing consumers to...

Baby at Doctor's Appointment

Policymakers Should Craft Reinsurance Proposals to Lower Premiums, Help More People

February 8, 2018

The idea of reimbursing health insurers for some costs associated with their highest-cost enrollees, known as reinsurance, is gaining traction as policymakers seek ways to make states’ individual insurance markets more stable and reduce premiums. But some federal reinsurance proposals are likelier than others to reduce premiums, and reinsurance alone won’t help individual market consumers who...


Skimpy Health Plans Put Consumers, Insurance Markets at Risk

February 5, 2018

The Affordable Care Act’s (ACA) critics are now proposing “alternative” health coverage options that offer skimpier benefits and operate separately from regular health insurance markets that serve individuals. While recent state-level and federal proposals differ in the details, they’d have a similar result: People who buy skimpy plans would face staggering costs when they get sick, and...


Trump Rule on Association Health Plans Could Devastate Small-Group Markets

January 5, 2018

The Trump Administration’s proposed new rule to dramatically broaden enrollment in association health plans (AHPs) would likely have a devastating effect on small-group insurance markets, raising premiums for small businesses with older or sicker workers and reducing coverage and consumer protections for people in AHPs. It would likely hurt the individual insurance market as well.


Health Insurance Application