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Health Insurance

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Health Insurance papers

State Roles Using 1332 Health Waivers

Learn how states are leveraging "Section 1332" health innovation waivers as a strategy to control rising health insurance premiums and enhance affordable coverage options. This resource includes an interactive 50-state map, state legislation and additional information on 1332 waivers.

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Health providers

Health Insurance Resources

This webpage provides an overview of NCSL resources for health insurance policy, including: webpages relating to private insurance and the Affordable Care Act (ACA), NCSL’s health innovations legislative database, recent publications, a glossary of common private health insurance terms, and other resources.

HEALTH INSURANCE

Health Insurance

All Documents

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Overview

Back in 2013 some 197 million Americans had commercial or private market health insurance, through employers, individual purchases or policies with public subsidies. Since then federal health reform has added to existing state regulation, mandates and consumer protections. ACA-authorized Health insurance Marketplaces or Exchanges led to about 12 million individuals obtaining new health policies between October 2013 and winter 2018 and an HHS calculation of 218 million with such coverage. The past two years included complexities with the repeal of the individual mandate to have insurance and the administration decision to withhold all payments for lower-income subsidies termed "CSR" payments. Large employers continue to have a requirement to offer health insurance, while smaller employers can obtain an incentive subsidy if they opt to offer coverage. NCSL has extensive information describing current laws, pending bills and latest federal guidance and rules from HHS.