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EMPLOYER ROLES: HEALTH INSURANCE

Read how the federal Affordable Care Act (ACA) provides that larger employers with 50+ workers offer health insurance to workers, starting January 2015, while small businesses have financial incentives already in place as of 2013, but with no mandate requiring them to provide coverage. Also see details about SHOP exchanges (open nationwide as of November but with online applications and choice of plans delayed), and CO-OP plans for small employers and some separate state initiatives established before the federal law.

 

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STATE EMPLOYEE HEALTH BENEFITS

NCSL reports on program highlights, premiums and trends affecting about seven million state workers, retirees and their families.  This Includes a survey of the state share and employee share of monthly premiums, for several years.

 

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OVERVIEW | HEALTH INSURANCE

In 2013 some 197 million Americans have commercial health insurance, through employers, individual purchases or policies with public subsidies.  Now federal health reform adds to existing state regulation, mandates and consumer protections. Starting October 1, 2013 uninsured or underinsured residents in all 50 states have a new option to use a Health insurance Marketplace or Exchange to buy a health policy. Large employers face a future requirement to offer health insurance, while smaller employers can obtain an incentive subsidy if they opt to offer coverage. NCSL has extensive information describing current laws, pending bills and latest federal guidance and rules from HHS.

STANDING COMMITTEE

HHS releases new guidance and FAQs for state policymakers on a number of health reform implementation issues.

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DATABASES | BILL TRACKING

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NCSL Summit 2014

FEATURED

  • State Actions to Address Health Insurance Exchanges

    Read this NCSL report for 2014 information on state actions and responses to implement exchanges as outlined in the Affordable Care Act. This material includes links to implementation activities, with extended or postponed deadlines and enrollment figures by state. It also includes state information about insurers, premiums and allowing insurance renewals or cancellations.

  • Health Insurance Marketplace Updates

    Read recent updates following the 6-month open enrollment period for Health Insurance Marketplaces created in the Affordable Care Act (ACA) which ended March 31, 2014. State and federal rules allow new options and extensions for some consumers. Read about recent activities that affect state run and federally-facilitated marketplaces;

  • Health Insurance Reform Enacted State Laws Related to ACA

    More than 45 states have enacted one or more Health Insurance Reform State Laws Related to the Affordable Care Act, between 2011 and 2014, with significant variations across the country. More such laws are being enacted in 2014 sessions.

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