There is Another Pre-Existing Conditions Problem — for Seniors
In an Axios column, Drew Altman uncovers a new pre-existing conditions problem – seniors on Medicare denied Medigap because they have pre-existing conditions – and discusses solutions.
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Why Do Short-Term Health Insurance Plans Have Lower Premiums Than Plans That Comply with the ACA?
Issue BriefShort-term health insurance plans are able to charge premiums 54 percent lower than ACA-compliant plans, by excluding pre-existing conditions and severely limiting benefits.
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KFF Data Note: Americans’ Views on the Personal Impact of the ACA and the Supreme Court’s Decision
PerspectiveAs the Supreme Court hears cases challenging the constitutionality of parts of the Affordable Care Act, a relatively small share of the public thinks the Supreme Court’s decision will have a lot of impact on their family (28 percent).
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High-Risk Pools For Uninsurable Individuals
Issue BriefFor more than 35 years, many states operated high-risk pool programs to offer non-group health coverage to uninsurable residents. The federal government also operated a temporary high-risk pool program established under the Affordable Care Act (ACA) to provide coverage to people with pre-existing conditions in advance of when broader insurance market changes took effect in 2014. This issue brief reviews the history of these programs to provide context for some of the potential benefits and challenges of a high-risk pool.
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Repeal of Obamacare Could Cause the ‘Death Spiral’ Critics Warned About
PerspectiveOriginally published in The Los Angeles Times, this perspective examines the potential implications for the individual market if key parts of the Affordable Care Act were repealed without a replacement plan.
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Would States Eliminate Key Benefits if AHCA Waivers are Enacted?
Issue BriefThis analysis offers a window into how insurers could respond if the Affordable Care Act's essential health benefits requirement is rolled back, a change being considered by Congressional leaders and allowed through state waivers by the House-passed American Health Care Act as a potential way for lowering premiums.
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Return of Health Discrimination to Insurance Markets Could Affect Millions of People
Policy WatchWithout the ACA, there is nothing in federal law to assure people with pre-existing health conditions access to affordable individual market coverage. This post looks at how overturning the ACA would disproportionately affect older adults, younger women, and people living outside metro areas
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Yes, the Trump administration promotes consumer choice — for healthy people
PerspectiveIn this Washington Post op-ed column, Karen Pollitz examines how the Trump Administration's efforts to promote coverage through short-term health insurance policies, rather than Affordable Care Act coverage, creates trade offs for consumers.
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What Do They Mean When They Talk About Pre-Existing Health Conditions?
PerspectiveOne health care issue about which the presidential candidates acknowledge they have differences is how the health care system should treat people with pre-existing health conditions.
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Pre-X Redux
From Drew AltmanWith the focus now mainly on exchanges, Medicaid expansions, and enrolling the uninsured in newly available coverage arrangements, there is less attention lately to the ACA insurance reforms which have always been the most popular parts of the law – changes which could affect every American’s insurance in some way and which go into effect…