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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 2010-2014, 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 just updated latest state legislative actions related to the Affordable Care Act. The online database now provides one-click access to 1,102 bills and resolutions. Legislation can be sorted by state and by topics, including Exchanges, Medicaid, Outreach, Insurance Reforms, Funding or Opt-outs & Alternatives. As of July 15, at least 162 measures have been signed into law or adopted.  

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