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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 or 2016, while small businesses have financial incentives already in place for 2014-2015, but with no mandate to provide coverage. Also see details about SHOP exchanges and CO-OP plans for small employers.

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HEALTH EXCHANGES JAN. '15 UPDATE

The second year open enrollment period for private insurance plans offered through state and federal marketplaces runs for three months, Nov. 15 to Feb. 15, 2015. Results through Jan. 16 show about 7.8 million new and renewed enrollees in state and federal run plans. The sales sites serve both brand new applicants and some of the enrollees from 2014 who may want to change plans for 2015.  NCSL's report has the 50-state history and this year's plans.

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OVERVIEW | HEALTH INSURANCE

In 2013 some 197 million Americans had 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.  ACA-authorized Health insurance Marketplaces or Exchanges led to just over 8 million individuals obtaining a new health policy between October 2013 and mid-April, 2014. The 2015 plan year adds more enrollees, but includes complexities of choices and potential penalties for some who choose to remain uninsured.

Large employers face a pending 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.     

[1/2015]

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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FEATURED

  • State Actions to Address Health Insurance Exchanges

    Read this NCSL report for January 2015 information on state actions and responses to implement exchanges as outlined in the Affordable Care Act. This material includes links to implementation activities, with 2015 deadlines and enrollment figures by state. It also includes state information about insurers and premiums.

  • Health Insurance Premiums and Premium Costs by State

    Actual health insurance premiums and rates presented nationally and by state for 2014 and 2015. Table includes historical trends and links to the best sources, including a Commonwealth Fund-designed interactive map.

  • Health Finance Issues

    This report provides background and multiple resources on the $2.9 trillion world of U.S .health finance.

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