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Insurance Reform

Health Reform: Health Insurance Reform

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MANDATES AND BENEFITS

State Insurance Mandates and the ACA Essential Benefits Provisions.  This report describes state actions to choose or vary  "essential health benefits," defined as health treatment and services benefits.

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DATABASE | BILL TRACKING

 

OVERVIEW

The Affordable Care Act establishes requirements and options for states that build on existing state regulation of health insurance. These include standard-price insurance coverage for individuals with pre-existing conditions, family coverage that includes dependent members up to age 26, expanded review of premium rates, required ratios of insurer expenditures on health services, consumer assistance or ombudsman offices and patients’ rights to appeal denied coverage. A dozen such provisions are in place for 2010-2013, including optional federal grants to states. In 2011-13 at least 45 states considered related bills. A major focus for 2013  is more uniform mandated "essential health benefits" based on latest HHS regulations.  Future provisions include preventive screenings and services with no co-payments, no lifetime or annual limits on standard policies and options for multi-state or out-of-state health insurance purchasing.

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NCSL Summit 2014

FEATURED

  • Health Insurance Reform Enacted State Laws Related to ACA

    More than 45 states have enacted one or more :Health Insurance Reform Enacted State Laws Related to the Affordable Care Act," between 2011 and 2013, with significant variations across the country. More such laws are being enacted in 2014 sessions.

  • 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.

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