Insurance Reform

Health Reform: Health Insurance Reform

health insurance forms


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. Both state-run and Federally-Facilitated Marketplaces have changed web designs and use simpler forms, but have a bigger challenge - serving both brand new applicants and some of the more than 7-million enrollees who want to comparison shop or calculate their premium subsidy for 2015.  NCSL's report has the 50-state history and next year's plans.






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 2010-2014, including optional federal grants to states. In 2011-14 at least 45 states considered related bills. A major focus for 2013 was more uniform mandated "essential health benefits" based on latest HHS regulations.  2014 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.

2014 ACA Database Expands: NCSL has updated latest state legislative actions related to health reforms. The online database now provides one-click access to 1,194 bills and resolutions. Sort by state or topics, including Exchanges, Medicaid, Insurance Reforms, Funding or Opt-outs. So far, as of Nov. 25, at least 235 measures have been signed into law or adopted.  



Share this: 


New Members Welcome


  • State Actions to Address Health Insurance Exchanges

    Read this NCSL report for November 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 2015 deadlines and enrollment figures by state. It also includes state information about insurers and premiums.

We are the nation's most respected bipartisan organization providing states support, ideas, connections and a strong voice on Capitol Hill.

NCSL Member Toolbox


7700 East First Place
Denver, CO 80230
Tel: 303-364-7700 | Fax: 303-364-7800


444 North Capitol Street, N.W., Suite 515
Washington, D.C. 20001
Tel: 202-624-5400 | Fax: 202-737-1069

Copyright 2014 by National Conference of State Legislatures