New research about short-term, limited-duration health plans shows that none of the plans studied covered pre-existing conditions and all had coverage limits, according to a new report from Milliman, an actuarial consulting firm. Only one-third of the plans covered prescription drugs and only 42% covered mental health, according to the report.
For an article on short-term health plans, journalist Nancy Metcalf found an ideal source: Stewart Lamotte, a 64-year-old retired restaurateur from Lawrenceville, Ga.
In a story that Consumer Reports published in December 2017, “Is Short-Term Health Insurance a Good Deal?”, Metcalf explained that when LaMotte shopped for health insurance, he didn’t qualify for a tax credit under the Affordable Care Act. Also, he balked at the $1,000 monthly premium and a deductible of $6,500 that was required for an ACA-compliant health insurance policy. Continue reading
We earlier told you about one lawsuit that aims to take down the ACA – or at least wipe out the law’s most popular provisions. A ruling could come at any time. The judge in oral argument seemed quite sympathetic to the conservative states bringing suit, but we won’t know for sure until his ruling, which likely will be appealed.
The question is what will happen if the court does strike all or part of the law, especially with open enrollment beginning Nov. 1 (assuming that decision is not stayed pending appeal). Continue reading
The latest anti-Affordable Care Act lawsuit from a score of conservative state attorneys general – partly backed by the U.S. Department of Justice – brings protections for people with pre-existing conditions squarely back into the political and policy forefront. (And you should expect this lawsuit and pre-existing condition protection to come up in the Senate confirmation hearings for Brett Kavanaugh in early September).
So how many people really do have pre-existing conditions who are vulnerable to losing coverage? And where are they?
The Obamacare wars have re-ignited, thanks to Attorney General Jeff Sessions, the U.S. Department of Justice, and a surprising assault on the most popular part of the Affordable Care Act: the protections for people with pre-existing conditions.
A group of GOP state attorney generals, with Texas and Wisconsin in the lead, had filed in federal court what was generally regarded as a long-shot lawsuit to have the entire ACA scrapped. Continue reading
As promised, the Trump administration has released a proposed rule to allow short-term health insurance plans that do not conform to all of the Affordable Care Act’s requirements. The Department of Health and Human Services says it’s necessary to give consumers access to more affordable insurance options; many backers of the ACA say it will further undermine already wobbly ACA markets and leave people with inadequate protections in the case of a serious, costly health problem.
So what is a “short-term plan?” Continue reading