Separate subsidized ACA market from non-subsidized; expand AHPs/STHPs/HRAs
Mandate tells CMS to separate non-subsidized insurance from ACA exchanges for regulatory relief, and to expand association health plans, short-term plans, and HRAs while shrinking CCIIO’s benefit prescriptions.
Mandate
Mandate Ch. 14 (HHS) — ACA and Private Health Insurance / CCIIO: develop plan to separate non-subsidized market from subsidized ACA market giving regulatory relief from ACA mandates; Congress should codify expansion of AHPs, short-term health plans, and HRAs; CCIIO should stop overly prescribing exchange benefits.
Undo plan
1) Rescind market-separation schemes that create junk coverage pools outside ACA consumer protections.
2) Reinstate ACA essential health benefits and medical-underwriting bans for major medical coverage.
3) Limit short-term/AHP products that segment sick patients out of risk pools.
4) Fund Navigator/consumer assistance for exchange enrollment.
5) Verify: uninsured and underinsured rates; claims denial audits for non-ACA products.