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Iowa Can Strengthen Health Insurance Market Without Harming Consumers

October 24, 2017

Now that Iowa has withdrawn its request for a federal “1332 waiver” to allow it to change its health insurance market, some state officials are blaming what they say are overly strict federal requirements for approving such waivers. But, in reality, those requirements served their intended purpose of protecting consumers. While Iowa’s individual market faces challenges, Iowa consumers will...

Health Insurance Forms

Trump Order Could Destabilize Health Insurance Markets, Hurt Those With Pre-Existing Conditions

October 12, 2017

President Trump’s new executive order could destabilize the health insurance markets where millions of individuals and small businesses get their coverage and undermine protections for people with pre-existing health conditions.

Nurse and Patient

ACA Marketplaces Poised to Grow Stronger — If They’re Not Sabotaged

August 3, 2017

President Trump is again threatening to stop cost-sharing reduction (CSR) payments to insurers under the Affordable Care Act (ACA), just as new data show that such action would fuel sharp premium hikes in 2018. If, however, the payments continue, ACA marketplace customers in some areas would see little to no premium increase next year — a...


Trump Move Would Boost Premiums, Raise Federal Costs, Destabilize Insurance Market

July 31, 2017

Ending the CSR payments would boost premiums for many consumers, raise overall federal marketplace subsidy costs, and likely cause some insurers to withdraw from the marketplaces.


Trump Administration Finalizes Rule that Will Raise Consumer Costs, Discourage Enrollment and Weaken Marketplaces

April 13, 2017

The Trump Administration released a final rule for the individual health insurance market that will raise consumers' deductibles and other out-of-pocket costs, reduce premium tax credits that help millions of people buy insurance and make it harder for people to enroll in coverage.

While the Administration claims the changes are needed to stabilize the insurance market, many of them...


Pre-ACA Health Insurance Market Isn’t Worth Returning To

March 24, 2017

I’ve already explained that if the pending House bill to repeal the Affordable Care Act (ACA) becomes law, plans that people buy on their own will be far skimpier — as bad as, or worse than, before the ACA.  That’s because the bill would eliminate the ACA’s essential...

Taking Blood Pressure

If “Essential Health Benefits” Standards Are Repealed, Health Plans Would Cover Little

March 23, 2017

The White House and House Republican leaders are reportedly negotiating with House Freedom Caucus members to eliminate federal minimum benefit (“Essential Health Benefits”) standards for individual and small-group market plans as part of the House health bill.  That would leave...


Interactive Map: Cost-Sharing Subsidies at Risk Under House GOP Health Bill

March 21, 2017

While drastically cutting the Affordable Care Act’s (ACA) premium tax credits, the House Republican health bill also eliminates the other, lesser-known marketplace subsidies — cost-sharing reductions (CSRs) — that reduce deductibles, co-payments, and other out...


House Republican Plan Needs $100 Billion Fund to Maintain Individual Insurance Market

March 15, 2017

The House Republican health care bill would destabilize the individual insurance market, raising premiums and reducing insurer participation. To address that problem, the bill provides a $100 billion “stability fund” to help insurers and finance other state initiatives. That’s a major reason why the Congressional Budget Office (CBO)...


Trump Health Rule Would Raise Consumer Costs, Discourage Enrollment, Weaken Marketplaces

February 15, 2017

The Trump Administration proposed a sweeping rule for the individual health insurance market today that would raise consumers’ deductibles and other out-of-pocket costs, reduce premium tax credits that help millions of people buy insurance, and make it harder to enroll in...