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. 2015 will bring revewed attention to state roles and federal developments.

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 Dec. 29, at least 235 measures have been signed into law or adopted.  



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  • Health Insurance State Flexibility

    This April 24 webinar will provide an insightful and timely look at state options for health insurance.. Several national experts will share 2015 perspectives on what consumers, state policymakers, regulators and industry professionals face.

  • State Actions to Address Health Insurance Exchanges

    Read this NCSL report for March 2015 information on state actions and responses to implement exchanges as outlined in the Affordable Care Act. This material includes links to 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.

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