"health insurance"

States are increasingly turning to reinsurance programs to improve their individual health insurance markets.
A gavel and a stethoscope
Are State Innovation Waivers harmful or helpful? It depends how states use them.
Health insurance form. Filling medical documents
Health care is full of confusing jargon. It includes terms like fee-for-service, accountable care organization, dual eligibles, and bundled payments—to name only a few.
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Earlier this year, Arkansas became the first state to implement a  policy that—with some exemptions, including for people age 50 and older—requires adult Medicaid enrollees to work 80 hours every month at the state’s minimum wage. The policy has serious implementation problems, and is quickly ncreasing the number of uninsured in the state.
On August 1, the Trump Administration released a final rule that will allow insurance companies to offer cheaper “short-term limited duration” health plans for longer periods of time.
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The just-released Senate bill, the Better Care Reconciliation Act (BCRA), is very bad news for older adults. The bill would reduce financial assistance (premium tax credits and cost-sharing subsidies) and change rules on how much premiums can vary by age (age rating). As a result, people ages 50 to 64 would have to pay thousands of dollars more in premiums to buy health insurance in the individual (nongroup) market.
Medical insurance and Medicaid and stethoscope.
The Better Care Reconciliation Act (BCRA) now under consideration in the Senate would drastically alter the Medicaid program. The proposed Senate bill would change the way the federal government currently funds Medicaid by limiting federal funding and shifting cost over time to both states and Medicaid enrollees. BCRA would subject older adults, adults with disabilities, expansion adults, and non-disabled children under age 19 to mandatory per enrollee caps beginning in 2020. State Medicaid programs would have the option to choose between block grants and per enrollee caps for non-elderly non-disabled non-expansion adults.
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The American Health Care Act (AHCA), H.R.1628, allows states to create high-risk pools for people with preexisting health conditions under certain circumstances. High-risk pools are supposed to provide access to health insurance for people who cannot get coverage in the individual (non-group) health insurance market. In a previous analysis, we noted that states have never funded high-risk pools adequately. The result: A small number of consumers paid very high premiums for skimpy coverage. Many others went without health insurance because they could not afford it.
Book with title Health Care Law on a table.
We already know that health insurance legislation known as the American Health Care Act (AHCA) is a bad deal for older Americans ages 50-64. For people who purchase coverage on their own in the individual (nongroup) market and are not yet eligible for Medicare, the bill would significantly increase premiums for all older adults and spike costs dramatically for lower- and moderate-income older adults.
Did you know that over 3 million older adults ages 50-64 rely on Affordable Care Act (ACA) tax credits to purchase health coverage? In fact, pre-ACA, almost half of them were uninsured.
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