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Health Insurance Mandates

Health Insurance Mandates

D.C.

STATE HEALTH INSURANCE MANDATES

NCSL's legislative report on State Health Insurance Mandates and the Federal ACA Essential Benefit Provisions, describing the new standards in all 50 states and the roles that states and HHS are playing, updated for 2014.

 

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OVERVIEW

For more than two decades, state legislators have regularly debated and enacted "mandates" or required health coverage for specific treatments, benefits, providers and categories of dependents.  The 2010 Patient Protection and Affordable Care Act establishes “Essential Health Benefits” (EHB) as a new more uniform requirement for individual and small group health policies sold inside and outside of Health Exchanges, begun January 2014 now fully in effect. States could choose an existing in-state standard or "benchmark" plan; in addition "preventive services" gained prominence with the Jan. 1, 2014 application of coverage with no consumer co-payment, co-insurance or deductibles.

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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;

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