START A PETITION 25,136,189 members: the world's largest community for good
START A PETITION
x
1,285,534 people care about Politics

State Health Insurance Exchanges Taking Shape

State Health Insurance Exchanges Taking Shape

While the Republicans were off crusading against contraception the Department of Health and Human Services announced final standards for how the state health insurance exchanges are designed to operate under the Affordable Care Act.

Early estimates indicate that 32 million Americans are expected to gain access to health insurance under the Affordable Care Act, and a vast majority of them will do so through the state exchange. The final standards suggest the White House is taking a flexible approach in working with states in designing the exchanges. States will get to decide who runs the new market exchanges and which insurance companies get to participate. And should the state not have the capability to oversee every aspect of managing these exchanges, some functions can be outsourced back to the federal government.

It’s a structure that should address concerns of a “one-size-fits-all” approach in state insurance market regulation and one that allows insurance companies plenty of flexibility in designing products for differing marketplaces. Consumers and small businesses should be able to easily compare and purchase insurance coverage with the federal government gap-filling only as needed.

But to make sure that there is fairness to all citizens across the states the federal government will still determine if what each state proposes meets general, minimal standards. So while the new marketplaces launch on January 1, 2014 HHS will spend the year prior to launch certifying those exchanges that are and are not able to meet these federal minimum standards. Those standards includes things like allowing consumers to easily compare plans and have an enrollment mechanism for both private insurance and Medicaid.

Before states can go ahead with their exchanges they must submit for approval an “Exchange blueprint”. If a state has not made significant progress toward those benchmarks in the year then the federal government will step in and do the job the state can’t seem to accomplish.

Republican governors will have their work cut out for them arguing why this kind of federal-state cooperation is not helpful or necessary, and the Obama administration will need to make sure consumers are actually able to get the kind of service the law envisions. In the meantime though as the political battle over health care reform wages on in the judiciary expanded health insurance coverage is coming. And it’s about time.

Related Stories:

1 In 3 Americans Can’t Keep Up With Their Medical Bills

Obama Birth Control Position: Good Policy, Politics

GOP Blocking Health Care Reform At The State Level

Read more: , , ,

Photo from Mike Licht, NotionsCapital.com via flickr.

have you shared this story yet?

some of the best people we know are doing it

26 comments

+ add your own
11:43PM PDT on Mar 24, 2012

Why, Mpa M., are you SPAMMING this thread?

5:46PM PDT on Mar 19, 2012

Nice update

5:45PM PDT on Mar 19, 2012

Nice update

5:45PM PDT on Mar 19, 2012

Nice update

5:45PM PDT on Mar 19, 2012

Nice update

5:45PM PDT on Mar 19, 2012

Nice update

5:45PM PDT on Mar 19, 2012

Nice update

5:45PM PDT on Mar 19, 2012

Nice update

5:44PM PDT on Mar 19, 2012

Nice update

5:44PM PDT on Mar 19, 2012

Nice update

add your comment



Disclaimer: The views expressed above are solely those of the author and may not reflect those of
Care2, Inc., its employees or advertisers.

Care2 - Be Extraordinary - Start a Care2 Petition
ads keep care2 free
CONTACT THE EDITORS

Recent Comments from Causes

Bestiality is not only an extremely perverse act which should be regarded as a psychological aberration…

For a lifelong (since aged 30) follower of Henry George's torch there is in this story a wealth of material…

I wonder if the sounds or sound vibrations will bother any wildlife or people?

meet our writers

Steve Williams Steve Williams is a passionate supporter of Lesbian, Gay, Bisexual and Trans (LGBT) rights, human... more
ads keep care2 free

more from causes




Select names from your address book   |   Help
   

We hate spam. We do not sell or share the email addresses you provide.