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Resurrecting old model for individual health-insurance market may limit who gets covered and how well, columnist says

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Resurrecting old model for individual health-insurance market may limit who gets covered and how well, columnist says Resurrecting old model for individual health-insurance market may limit who gets covered and how well, columnist says

Resurrecting old model for individual health-insurance market may limit who gets covered and how well, columnist says






Editor's note: U.S. Sen. Rand Paul of Kentucky has been one of the leading advocates of association health plans.
By Trudy Lieberman, Rural Health News Service

A new health insurance option awaits consumers this fall. Proponents say it will offer lower premiums and relief from increasingly expensive Obamacare policies sold in the so-called individual market. That?s where people who don?t have employer or government-sponsored insurance go when they need coverage.

It?s no secret that rising premiums have hurt people in that market if they are among those whom the law considers too wealthy for subsidies to help them out. For example, families of four with incomes above $100,400, and single people whose incomes exceed $48,560.

So the Trump administration has approved the return of association health plans, called AHPs for short. Fraternal or professional organizations can sponsor one. A single proprietor or sole owner of a business can also set up one of these new arrangements.

These ?new? arrangements are not new. They were around for years before the Affordable Care Act was passed in 2010, and they?ve been resurrected to provide a low-cost option for a small slice of the insurance marketplace. Labor Secretary Alexander Acosta offers this rationale: ?Many of our laws, particularly Obamacare, make health care more expensive for small businesses than large companies. AHPs are about more choice, more access and more coverage.?

Once again the individual market may become ...
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Resurrecting old model for individual health-insurance market may limit who gets covered and how well, columnist says Resurrecting old model for individual health-insurance market may limit who gets covered and how well, columnist says

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Source of news: Kentucky Health News
Source of publication: 10-07-2018 16:03
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