A comprehensive look at non-ACA compliant products building on the article in The Hertel Report of March 13, 2018.
Crafted by a former attorney with the Montana Insurance Department, the analysis looks at background research and information on risks posed by alternative coverage options that do not comply with the Affordable Care Act’s (ACA’s) consumer protections.
Current threats to the stability of the ACA-compliant market are discussed in the paper, including a review of the 2018 proposed federal rules on association health plans and short-term health insurance, the effect that transitional health plans have had on the market since 2014, the effect of a resurgence of limited benefit products such as mini-meds and individual market type association health plans, and the impact of health care sharing ministries.
Each of the plans discussed in this report have or will contribute to market segmentation and adverse selection against the traditional individual and small group markets.
Read the 88 page piece commissioned by the National Association of Insurance Commissioners.