Health Insurance Exchanges

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States' Establishment of Health Insurance Exchanges

Author : Fredrik C. Lewis
Publisher : Novinka Books
ISBN 13 : 9781628085761
Total Pages : 105 pages
Book Rating : 4.0/5 (857 download)

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Book Synopsis States' Establishment of Health Insurance Exchanges by : Fredrik C. Lewis

Download or read book States' Establishment of Health Insurance Exchanges written by Fredrik C. Lewis and published by Novinka Books. This book was released on 2014-05-14 with total page 105 pages. Available in PDF, EPUB and Kindle. Book excerpt: A central provision of The Patient Protection and Affordable Care Act (PPACA) requires the establishment of exchanges in each state, online marketplaces through which eligible individuals and small business employers can compare and select health insurance coverage from participating health plans. Exchanges are to begin enrollment by October 1, 2013, with coverage to commence January 1, 2014. States have some flexibility with respect to exchanges by choosing to establish and operate an exchange themselves (i.e., state-based), or by ceding this authority to HHS (i.e., federally facilitated). States may also choose to enter into a partnership with HHS whereby HHS establishes the exchange and the state assists with operating various functions. According to HHS, 18 states will establish a state-based exchange, while 25 will have a federally facilitated exchange. Seven states will partner with HHS. This book examines the states' responsibilities for establishing exchanges, the actions selected states have taken, and the challenges they have encountered.

States' Establishment of Health Insurance Exchanges

Author : Fredrik C. Lewis
Publisher : Nova Science Publishers
ISBN 13 : 9781628085754
Total Pages : 0 pages
Book Rating : 4.0/5 (857 download)

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Book Synopsis States' Establishment of Health Insurance Exchanges by : Fredrik C. Lewis

Download or read book States' Establishment of Health Insurance Exchanges written by Fredrik C. Lewis and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A central provision of The Patient Protection and Affordable Care Act (PPACA) requires the establishment of exchanges in each state, on-line marketplaces through which eligible individuals and small business employers can compare and select health insurance coverage from participating health plans. Exchanges are to begin enrolment by 1 October 2013, with coverage to commence 1 January 2014. States have some flexibility with respect to exchanges by choosing to establish and operate an exchange themselves (ie: state-based), or by ceding this authority to HHS (ie: federally facilitated). States may also choose to enter into a partnership with HHS whereby HHS establishes the exchange and the state assists with operating various functions. According to HHS, 18 states will establish a state-based exchange, while 25 will have a federally facilitated exchange. Seven states will partner with HHS. This book examines the states' responsibilities for establishing exchanges, the actions selected states have taken, and the challenges they have encountered.

Health Insurance Exchanges

Author : Christian Forrest
Publisher : Nova Science Publishers
ISBN 13 : 9781634638982
Total Pages : 0 pages
Book Rating : 4.6/5 (389 download)

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Book Synopsis Health Insurance Exchanges by : Christian Forrest

Download or read book Health Insurance Exchanges written by Christian Forrest and published by Nova Science Publishers. This book was released on 2015-02 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: PPACA required by 1 January 2014, the establishment in each state of health insurance exchanges -- marketplaces where eligible individuals and small businesses can compare and select among insurance plans. Issuer participation, including the number of plans these issuers offer, is a key factor in the extent of consumer choice offered by the exchanges. The United States Government Accountability Office (GAO) was asked to examine the number and types of issuers participating in both the individual and small-business exchanges beginning in 2014, as well as how this compared with issuer participation in the individual and small-group markets prior to the exchanges. In this book, GAO describes the extent to which issuers that previously offered health plans in the individual and small-group markets participated in the exchanges in 2014; and the issuers that participated in 2014 exchanges and the health plans they offered. This book also describes Small Business Health Options Programs (SHOPs) functionality, enrollment, plan availability, and premiums; and stakeholders' views on key factors that have affected current SHOP enrollment or may affect future enrollment growth.

The Affordable Care Act

Author : Tamara Thompson
Publisher : Greenhaven Publishing LLC
ISBN 13 : 0737776196
Total Pages : 130 pages
Book Rating : 4.7/5 (377 download)

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Book Synopsis The Affordable Care Act by : Tamara Thompson

Download or read book The Affordable Care Act written by Tamara Thompson and published by Greenhaven Publishing LLC. This book was released on 2014-12-02 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.

Health Insurance Exchanges Under the Patient Protection and Affordable Care Act (ACA)

Author : Bernadette Fernandez
Publisher : Createspace Independent Pub
ISBN 13 : 9781480152809
Total Pages : 40 pages
Book Rating : 4.1/5 (528 download)

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Book Synopsis Health Insurance Exchanges Under the Patient Protection and Affordable Care Act (ACA) by : Bernadette Fernandez

Download or read book Health Insurance Exchanges Under the Patient Protection and Affordable Care Act (ACA) written by Bernadette Fernandez and published by Createspace Independent Pub. This book was released on 2012-10-20 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: The fundamental purpose of a health insurance exchange is to provide a structured marketplace for the sale and purchase of health insurance. The authority and responsibilities of an exchange may vary, depending on statutory or other requirements for its establishment and structure. The Patient Protection and Affordable Care Act (ACA, P.L. 111-148, as amended) requires health insurance exchanges to be established in every state by January 1, 2014. ACA provides certain requirements for the establishment of exchanges, while leaving other choices to be made by the states. Qualified individuals and small businesses will be able to purchase private health insurance through exchanges. Issuers selling health insurance plans through an exchange will have to follow certain rules, such as meeting the private market reform requirements in ACA. While the fundamental purpose of the exchanges will be to facilitate the offer and purchase of health insurance, nothing in the law prohibits qualified individuals, qualified employers, and insurance carriers from participating in the health insurance market outside of exchanges. Moreover, ACA explicitly states that enrollment in exchanges is voluntary and no individual may be compelled to enroll in exchange coverage. Exchanges may be established either by the state itself as a “state exchange” or by the Secretary of Health and Human Services (HHS) as a “federally facilitated exchange.” All exchanges are required to carry out many of the same functions and adhere to many of the same standards, although there are important differences between the types of exchanges. States will need to declare their intentions to establish their own exchanges by no later than November 16, 2012. ACA and regulations require exchanges to carry out a number of different functions. The primary functions relate to determining eligibility and enrolling individuals in appropriate plans, plan management, consumer assistance and accountability, and financial management. ACA gives various federal agencies, primarily HHS, responsibilities relating to the general operation of exchanges. Federal agencies are generally responsible for promulgating regulations, creating criteria and systems, and awarding grants to states to help them create and implement exchanges. A state that is approved to operate its own exchange has a number of operational decisions to make, including decisions related to organizational structure (governmental agency or a nonprofit entity); types of exchanges (separate individual and Small Business Health Options Program (SHOP) exchanges, or a merged exchange); collaboration (a state may independently operate an exchange or enter into contracts with other states); service area (a state may establish one or more subsidiary exchanges in the state if each exchange serves a geographically distinct area and meets certain size requirements); contracted services (an exchange may contract with certain entities to carry out one or more responsibilities of the exchange); and governance (governing board and standards of conduct). In general, health plans offered through exchanges will provide comprehensive coverage and meet all applicable private market reforms specified in ACA. Most exchange plans will provide coverage for “essential health benefits,” at minimum; be subject to certain limits on cost-sharing, including out-of-pocket costs; and meet one of four levels of plan generosity based on actuarial value. To make exchange coverage more affordable, certain individuals will receive premium assistance in the form of federal tax credits. Moreover, some recipients of premium credits may also receive subsidies toward cost-sharing expenses.

Health Insurance Exchanges and the Assistance Role of Navigators

Author : Wallace V. Bremer
Publisher : Nova Science Publishers
ISBN 13 : 9781629486147
Total Pages : 0 pages
Book Rating : 4.4/5 (861 download)

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Book Synopsis Health Insurance Exchanges and the Assistance Role of Navigators by : Wallace V. Bremer

Download or read book Health Insurance Exchanges and the Assistance Role of Navigators written by Wallace V. Bremer and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The fundamental purpose of a health insurance exchange is to provide a structured marketplace for the sale and purchase of health insurance. The authority and responsibilities of an exchange may vary, depending on statutory or other requirements for its establishment and structure. The Patient Protection and Affordable Care Act requires health insurance exchanges to be established in every state by January 1, 2014. The ACA provides certain requirements for the establishment of exchanges, while leaving other choices to be made by the states. Qualified individuals and small businesses will be able to purchase private health insurance through exchanges. Issuers selling health insurance plans through an exchange will have to follow certain rules, such as meeting the private market reform requirements in the ACA. While the fundamental purpose of the exchanges will be to facilitate the offer and purchase of health insurance, nothing in the ACA prohibits qualified individuals, qualified employers, and insurance carriers from participating in the health insurance market outside of exchanges. This book outlines the required minimum functions of exchanges, and explains how exchanges are expected to be established and administered under the ACA. The coverage offered through exchanges is discussed, and the book concludes with a discussion of how exchanges will interact with selected other ACA provisions.

Medicaid and Health Insurance Exchanges

Author : Scott Ahearn
Publisher : Nova Science Publishers
ISBN 13 : 9781628084375
Total Pages : 0 pages
Book Rating : 4.0/5 (843 download)

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Book Synopsis Medicaid and Health Insurance Exchanges by : Scott Ahearn

Download or read book Medicaid and Health Insurance Exchanges written by Scott Ahearn and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (ACA) expands health insurance coverage primarily through two mechanisms: by expanding the existing Medicaid program and by establishing new health insurance exchanges where certain individuals and businesses can purchase private health insurance. Under ACA, Medicaid and exchanges are envisioned to work in tandem, with the potential to provide a continuous source of subsidised coverage for lower-income individuals and families, beginning in 2014. This book provides an analysis of some of the key similarities and differences between Medicaid and insurance plan structure in plans offered through exchanges. Because Medicaid services vary by population covered and by state, and exchange plans can also vary by state, this book provides insight into the complexities and issues when comparing beneficiary benefits and costs to individuals for Medicaid and the exchanges. The inherent variations in Medicaid and the uncertainty about exactly how the exchanges will operate are just two of the factors that complicate this comparison.

Health Insurance Exchanges

Author : Suzanne M. Kirchhoff
Publisher : CreateSpace
ISBN 13 : 9781508723165
Total Pages : 36 pages
Book Rating : 4.7/5 (231 download)

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Book Synopsis Health Insurance Exchanges by : Suzanne M. Kirchhoff

Download or read book Health Insurance Exchanges written by Suzanne M. Kirchhoff and published by CreateSpace. This book was released on 2015-06-26 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 2010 Patient Protection and Affordable Care Act (ACA, P.L. 111-148) allows certain individuals and small businesses to buy qualified health insurance through state exchanges. The exchanges are not themselves insurers, but rather are special marketplaces where insurance firms may sell health policies that meet set, federal guidelines. As of July 2014, 14 states and the District of Columbia had secured HHS approval to create and run their own exchanges, 7 to enter into partnership exchanges, 29 to have federally facilitated exchanges, and two to have state-based SHOP/federally facilitated individual exchanges. An estimated 25 million individuals are expected to secure coverage through the exchanges by 2024.

Health Insurance Exchanges, Premium Tax Credits and Changes to Health Plans

Author : Elliot Carpenter
Publisher : Nova Snova
ISBN 13 : 9781536173741
Total Pages : 254 pages
Book Rating : 4.1/5 (737 download)

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Book Synopsis Health Insurance Exchanges, Premium Tax Credits and Changes to Health Plans by : Elliot Carpenter

Download or read book Health Insurance Exchanges, Premium Tax Credits and Changes to Health Plans written by Elliot Carpenter and published by Nova Snova. This book was released on 2020-03-03 with total page 254 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since 2014, millions of individuals have purchased coverage through the health insurance exchanges established under Patient Protection and Affordable Care Act (PPACA). PPACA altered the individual health insurance market by setting federal standards for coverage and subsidizing exchange coverage for certain low-income individuals. In the first 5 years of exchanges, issuers have moved in and out of the market and increased premiums, but little is known about issuers' claims costs or the factors driving their business decisions. Chapter 1 examines (1) claims costs of issuers participating in exchanges, and (2) factors driving selected issuers' changes in exchange participation, premiums, and plan design. GAO reviewed data from nine issuers participating in five states, which were selected to represent a range in size, tax status, and exchange participation. During open enrollment, eligible returning consumers may re-enroll in their existing health insurance exchange plan or choose a different plan. Those who do not actively enroll in a plan may be automatically re-enrolled into a plan. Chapter 2 examines 1) the extent to which plans identified as benchmark plans remained the same plans from year to year, and how premiums for benchmark plans changed; 2) the proportion of exchange consumers who were automatically re-enrolled into the same or similar plans, and how these proportions compared to those for consumers who actively re-enrolled, and 3) the extent to which consumers' financial responsibility for premiums changed for those who were automatically re-enrolled compared to those who actively re-enrolled. Chapter 3 discussed the amendments to title XIX of the Social Security Act to ensure health insurance coverage continuity for former foster youth. Certain individuals without access to subsidized health insurance coverage may be eligible for premium tax credits, as established under the Patient Protection and Affordable Care Act (ACA; P.L. 111-148, as amended). The dollar amount of the premium credit varies from individual to individual, based on a formula specified in statute. Individuals who are eligible for the premium credit, however, generally are still required to contribute some amount toward the purchase of health insurance as described in chapter 4. During the summer of 2018, the Trump Administration issued final rules governing coverage offered through association health plans (AHPs) and short-term, limited-duration insurance. Chapter 5 describes how the Congressional Budget Office and the staff of the Joint Committee on Taxation (JCT) analyzed the new rules and determined how those rules would affect the agencies' projections of the number of people who obtain health insurance and the costs of federal subsidies for that coverage.

Overview of Health Insurance Exchanges

Author : Congressional Service
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781722362843
Total Pages : 26 pages
Book Rating : 4.3/5 (628 download)

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Book Synopsis Overview of Health Insurance Exchanges by : Congressional Service

Download or read book Overview of Health Insurance Exchanges written by Congressional Service and published by Createspace Independent Publishing Platform. This book was released on 2018-07-04 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (ACA; P.L. 111-148, as amended) requires health insurance exchanges to be established in every state. Exchanges are marketplaces in which consumers and small businesses can shop for and purchase private health insurance coverage. In general, states must have two types of exchanges: an individual exchange and a small business health options program (SHOP) exchange. Exchanges may be established either by the state itself as a state-based exchange (SBE) or by the Secretary of Health and Human Services (HHS) as a federally facilitated exchange (FFE). Some states have SBE-FPs: they have SBEs but use the federal information technology platform, including the federal exchange website www.Healthcare.gov. In states with FFEs, the exchange may be operated by the federal government alone or in conjunction with the state. States may have different structures for their individual and SHOP exchanges. Consumers who obtain coverage through the individual exchange may be eligible for financial assistance from the federal government. Financial assistance in the individual exchanges is available in two forms: premium tax credits and cost-sharing reductions. Small businesses that use the SHOP exchange may be eligible for small business health insurance tax credits. The tax credits assist small businesses with the cost of providing health insurance coverage to employees. The ACA generally requires that health insurance plans offered through an exchange are qualified health plans (QHPs). To be a certified as a QHP, a plan must be offered by a state-licensed issuer and must meet specified requirements, including covering the essential health benefits (EHB). QHPs sold in the individual and SHOP exchanges must comply with the same state and federal requirements that apply to QHPs and other health plans offered outside of the exchanges in the individual and small-group markets, respectively. Exchanges also may offer variations of QHPs, such as child-only or catastrophic plans, and non-QHP dental-only plans. This report provides an overview of the various components of the health insurance exchanges. It begins with summary information about how exchanges are structured and then discusses both individual and SHOP exchanges in terms of eligibility and enrollment, financial assistance for certain exchange consumers and small businesses, and enrollment assistance entities. The report also describes exchanges' role in certifying plans as qualified to be sold in their marketplaces and outlines the range of plans offered through exchanges. Finally, the report briefly addresses funding for the exchanges.

Health Insurance Exchanges Under the Affordable Care Act

Author : Edward J. Volpicelli
Publisher : Nova Science Publishers
ISBN 13 : 9781624173677
Total Pages : 0 pages
Book Rating : 4.1/5 (736 download)

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Book Synopsis Health Insurance Exchanges Under the Affordable Care Act by : Edward J. Volpicelli

Download or read book Health Insurance Exchanges Under the Affordable Care Act written by Edward J. Volpicelli and published by Nova Science Publishers. This book was released on 2013 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The fundamental purpose of a health insurance exchange is to provide a structured marketplace for the sale and purchase of health insurance. The authority and responsibilities of an exchange may vary, depending on statutory or other requirements for its establishment and structure. The Patient Protection and Affordable Care Act (ACA) requires health insurance exchanges to be established in every state by January 1, 2014. ACA provides certain requirements for the establishment of exchanges, while leaving other choices to be made by the states. This book outlines the required minimum functions of exchanges, and explains how exchanges are expected to be established and administered under ACA. The coverage offered through exchanges is discussed, as are how the exchanges will interact with selected other ACA provisions.

Health-Care Utilization as a Proxy in Disability Determination

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 030946921X
Total Pages : 161 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis Health-Care Utilization as a Proxy in Disability Determination by : National Academies of Sciences, Engineering, and Medicine

Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.

Health Insurance Exchanges 36 Success Secrets - 36 Most Asked Questions on Health Insurance Exchanges - What You Need to Know

Author : Melissa Gregory
Publisher : Emereo Publishing
ISBN 13 : 9781488862649
Total Pages : 58 pages
Book Rating : 4.8/5 (626 download)

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Book Synopsis Health Insurance Exchanges 36 Success Secrets - 36 Most Asked Questions on Health Insurance Exchanges - What You Need to Know by : Melissa Gregory

Download or read book Health Insurance Exchanges 36 Success Secrets - 36 Most Asked Questions on Health Insurance Exchanges - What You Need to Know written by Melissa Gregory and published by Emereo Publishing. This book was released on 2014-10-25 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Infused with fresh, new Health Insurance Exchanges energy. There has never been a Health Insurance Exchanges Guide like this. It contains 36 answers, much more than you can imagine; comprehensive answers and extensive details and references, with insights that have never before been offered in print. Get the information you need--fast! This all-embracing guide offers a thorough view of key knowledge and detailed insight. This Guide introduces what you want to know about Health Insurance Exchanges. A quick look inside of some of the subjects covered: Affordable Care Act - Insurance exchanges and the individual mandate, Illinois Health Benefits Exchange - Background, Health insurance exchange - First week of operation, Romneycare, Health insurance coverage in the United States, Health insurance exchange - History, Health insurance exchange - Subsidies, Health insurance coverage in the United States - Estimates of the number uninsured, Patient Protection and Affordable Care Act - Insurance exchanges and the individual mandate, New Mexico Health Insurance Exchange - Background, Health care in the United States - Reform, Medicaid expansion - Overview of provisions, United States federal government shutdown of 2013 - End of shutdown and temporary debt limit suspension, Military Health System - Coverage gaps, Patient Protection and Affordable Care Act - Overview of provisions, Annual enrollment, Medicaid expansion - Change in number of uninsured, Provisions of the Patient Protection and Affordable Care Act - Effective January 1, 2014, Public health insurance option - History, HealthSource RI - Background, US government shutdown of 2013, Health insurance in the United States - Reform, Health care reform - United States, Provisions of the Patient Protection and Affordable Care Act - Effective January 1, 2017, Cover Oregon - Background, Public health insurance option - Alternative plans, and much more...

Medicaid and Health Insurance Exchanges

Author : Scott Ahearn
Publisher :
ISBN 13 : 9781628084399
Total Pages : 198 pages
Book Rating : 4.0/5 (843 download)

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Book Synopsis Medicaid and Health Insurance Exchanges by : Scott Ahearn

Download or read book Medicaid and Health Insurance Exchanges written by Scott Ahearn and published by . This book was released on 2013 with total page 198 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Patient Protection and Affordable Care Act (ACA) expands health insurance coverage primarily through two mechanisms: by expanding the existing Medicaid program and by establishing new health insurance exchanges where certain individuals and businesses can purchase private health insurance. Under ACA, Medicaid and exchanges are envisioned to work in tandem, with the potential to provide a continuous source of subsidized coverage for lower-income individuals and families, beginning in 2014. This book provides an analysis of some of the key similarities and differences between Medicaid and insurance plan structure in plans offered through exchanges. Because Medicaid services vary by population covered and by state, and exchange plans can also vary by state, this book provides insight into the complexities and issues when comparing beneficiary benefits and costs to individuals for Medicaid and the exchanges. The inherent variations in Medicaid and the uncertainty about exactly how the exchanges will operate are just two of the factors that complicate this comparison.

The Affordable Care Act and Health Insurance Markets

Author : Christine Eibner
Publisher : Rand Corporation
ISBN 13 : 0833081241
Total Pages : 117 pages
Book Rating : 4.8/5 (33 download)

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Book Synopsis The Affordable Care Act and Health Insurance Markets by : Christine Eibner

Download or read book The Affordable Care Act and Health Insurance Markets written by Christine Eibner and published by Rand Corporation. This book was released on 2013-08-29 with total page 117 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this report, the authors estimate the effects of the Affordable Care Act on health insurance enrollment and premiums for ten states (Florida, Kansas, Louisiana, Minnesota, New Mexico, North Dakota, Ohio, Pennsylvania, South Carolina, and Texas) and for the nation overall, with a focus on outcomes in the nongroup and small group markets.

Facilitating State Health Exchange Communication Through the Use of Health Literate Practices

Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309220327
Total Pages : 116 pages
Book Rating : 4.3/5 (92 download)

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Book Synopsis Facilitating State Health Exchange Communication Through the Use of Health Literate Practices by : Institute of Medicine

Download or read book Facilitating State Health Exchange Communication Through the Use of Health Literate Practices written by Institute of Medicine and published by National Academies Press. This book was released on 2012-02-10 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: Implementation of the Affordable Care Act (ACA) of 2010 will result in significant changes to the U.S. health care system. Among its many provisions, the ACA will extend access to health care coverage to millions of Americans who have been previously uninsured. Many of the newly eligible health insurance consumers will be individuals of low health literacy, some speakers of English and others more comfortable using languages other than English. Health insurance terms such as "deductible," "co-insurance," and "out-of-pocket limit" are difficult to communicate even to those with moderate-to-high levels of health literacy and so health exchanges will face challenges as they attempt to communicate to the broader community. In addition to having to convey some of these basic, and yet complex, principles of insurance, state exchanges will be attempting to adapt to the many changes to enrollment and eligibility brought about by ACA. The Institute of Medicine (IOM) convened the Roundtable on Health Literacy that brings together leaders from the federal government, foundations, health plans, associations, and private companies to discuss challenges facing health literacy practice and research and to identify approaches to promote health literacy in both the public and private sectors. The roundtable sponsored a workshop in Washington, DC, on July 19, 2011, that focused on ways in which health literacy can facilitate state health insurance exchange communication with potential enrollees. The roundtable's workshop focused on four topics: (1) lessons learned from existing state insurance exchanges; (2) the impact of state insurance exchanges on consumers; (3) the relevance of health literacy to health insurance exchanges; and (4) current best practices in developing materials and communicating with consumers. Facilitating State Health Exchange Communication Through the Use of Health Literate Practices summarizes the presentations and discussion that occurred during the workshop. The report provides an overview of health insurance exchanges, presents evidence on the extent to which consumers understand underlying health insurance concepts, and describes the relevancy of health literacy to health insurance reform and how health literacy interventions can facilitate the implementation of health insurance reforms. The report also provides a review of best practices in developing materials and communicating with consumers, and concludes with reflections on the workshop presentations and discussions by members of the roundtable and its chair. Further information is provided in the appendixes, the workshop agenda (Appendix A), workshop speaker biosketches (Appendix B), and testimony provided by the organization America's Health Insurance Plans (AHIP) (Appendix C).

Health Insurance Exchanges

Author :
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)

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Book Synopsis Health Insurance Exchanges by :

Download or read book Health Insurance Exchanges written by and published by . This book was released on 2009 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The focus on national health care reform has given rise to a number of proposals for revamping the health insurance marketplace so that all Americans would have affordable coverage. One option supported by President Obama, Senate Finance Committee Chairman Max Baucus and other health policy leaders involves the government establishing a public health insurance exchange to effectively organize an insurance market for those without coverage. Their theory is that a national health insurance exchange would provide coordination and guidance to insurance markets to help them comply with consumer protections and compete in cost-efficient ways that would result in more Americans obtaining coverage. Advocates of a public exchange say it could also help purchasers and insurers address some of the problems that currently exist in private health insurance markets, such as insufficient risk spreading, discrimination, out of control costs, poor delivery of subsidies, troubles facilitating and ensuring enrollment, and underinsurance. These fundamental challenges have long hindered the efficacy of our nationâ€TMs health care system while contributing to the growing numbers of Americans who either have no insurance or insurance that is inadequate to meet their current and potential health care needs. In this paper, researchers from the Urban Institute and Georgetown University review some of the key problems facing purchasers of insuranceâ€"whether they be individuals or employersâ€"and outline whether and how a public health insurance exchange might address them. The paper also highlights lessons that can be learned from the experience of prior efforts to create and operate exchanges, such as the Commonwealth Connector in Massachusetts. The authors conclude a well-designed exchange can help bring about changes that can move the system toward many of the nationâ€TMs most oft-stated health reform goals. Without an exchange, the authors assert that a patchwork of new agencies at the state and federal levelâ€"in addition to new roles for existing agenciesâ€"would be required to achieve similar reform objectives.