Recent Trainings Contact Training. Accountability System Contact Operations. Permits and Licenses School Health Forms. Contacts Information and Forms. Pierre Bernard B. Barry Bernard C. Mullen Francis P. Lally Gerald R. Helmich Herman F. Permits out-of-state health insurers, which are referred to as regional insurers in the bill, to offer their individual and group health plans for sale in this State if certain requirements of State law are met; includes minimum capital and surplus and reserve requirements, disclosure and reporting requirements and grievance procedures; defines regional insurers as those insurers authorized to transact individual or group health insurance in certain states.
Relates to insurance; enacts the Minnesota Freedom to Buy and Sell Act; provides Minnesota employers and residents with the freedom to buy health coverage approved for sale in any state; provides insurance companies the freedom to sell in this state any health coverage permitted for sale in any other state. Permits residents to buy health coverage approved in other states; creates a Physician's Council on Health Care Policy to analyze health coverage mandates; provides a tax credit for persons without access to employer-based coverage.
Permits Minnesota residents to buy health coverage approved in other states; creates a Physicians Council on Health Care Policy to analyze health coverage mandates; provides a tax credit for persons without access to employer-based coverage. Would allow for providing and selling cross-border insurance by out-of-state insurers, including a streamlined process for out-of-state health insurers to issue policies in Montana, including affecting coverage mandates or essential health benefits, would require payment of premium taxes, and provide rulemaking authority to the insurance commissioner.
Would authorize individuals to purchase health insurance from out-of-state health insurance carriers selected by the insurance commissioner; would grant rulemaking authority to the insurance commissioner for the purposes of the bill. Authorizes individuals and certain businesses to purchase health insurance from out-of-state insurance companies. Would authorize individuals to purchase health insurance from out-of state health insurance carriers selected by the state insurance commissioner; including rule making authority to the insurance commissioner for the purposes of the bill. Would authorize individuals and certain businesses to purchase health insurance from out-of-state insurance companies.
Filed and referred to Senate Committee on Commerce ; did not pass by end of session. Authorizes insurers licensed to sell health insurance policies in other states to offer health insurance policies in this state. Relates to insurance; authorizes certain out-of-state health insurers to transact insurance in this state. Relates to insurance; authorizes certain out-of-state insurers to issue certain policies in this state. Would create the Health Care Choice Act, authorizing the Insurance Commissioner to negotiate insurance compacts with other states; providing that out-of-state insurers would not be required to offer or provide state-mandated health benefits required by Oklahoma law or regulations in health insurance policies sold to Oklahoma residents.
N.H. to become first state to use health insurance claims to rate networks
Would require "appropriate protection of Oklahoma consumers by allowing the Commissioner to regulate the market conduct and financial solvency of the non-admitted insurers. Amends The Insurance Department Act of , provides for the right to purchase health insurance sold in other States. Provides that the Insurance Commissioner shall undertake a review of laws and regulations existing on the effective date of this section pertaining to the business of health insurance in to determine how to allow residents the ability to purchase health insurance products sold in other states by carriers not otherwise subject to subject insurance laws and regulations.
Would provide that the Department of Insurance shall authorize out-of-state insurers to offer health insurance policies in the state; authorizing market and solvency examinations of out-of-state insurers seeking to offer plans in the state; exempting policies from South Carolina coverage mandates while requiring inclusion of mandates specified by the insurer's home states. Non-binding resolution, would urge Congress not to pursue legislation authorizing individuals to purchase health insurance across state lines.
Authorizes a foreign health insurer to provide a health benefits plan in the Commonwealth if such insurer meets certain requirements. Would establish the "Health Care Choice Act," providing for out-of-state health insurers to be authorized to sell products in West Virginia, while not being required to offer or provide state-mandated health benefits required by West Virginia law. Allows out-of-state insurers to offer health care plans exempt from certain laws; provides that such insurers must be in compliance, have a certificate of authority and offer coverage under any plan offered in the domiciliary state; relates to taxation, assessments to fund the Health Insurance Risk Sharing plan, disclosure of personal medical information, unfair marketing practices, required testing for HIV, portability, contract renewal, plain language, discrimination and group health plans.
NCSL is not responsible for opinions for or against this or other state legislation or laws. Their experience over and will serve as a litmus test. Beginning in January, , the ACA established two pools: Large states like California have a natural advantage in creating sizable risk pools better able to spread out the cost of medical care. Accordingly, California has opted to leverage the market power of its population to actively negotiate with health plans over terms of coverage and rates for plans sold on its health exchange marketplace, Covered California. The Affordable Care Act has built in mechanisms that would enable smaller states to create larger, more robust risk pools:.
Section c 3 allows states to combine their individual and small employer markets into a single risk pool;. The statute requires HHS issue regulations governing health care choice compacts by July 1, ;. In addition to authorizing interstate plans, the ACA also appears to contemplate such plans being marketed in multiple state exchange marketplaces. Lawmakers would be laughed out of office, rightly, if they insisted that the only CDs, cellphones, or ceramics their constituents could buy were those manufactured in the state where they lived. All sorts of financial products are routinely acquired without state borders proving an impenetrable barrier: Why should a medical plan be any different?
There is no good reason to deny freedom of choice to Americans when it comes to buying health insurance. Yet licensing rules in virtually every state effectively prevent individual residents from shopping for health plans in any other state. Consequently, there is no national market for health insurance. There are only autonomous state markets, many dominated by near-monopolies that can get away with offering lower quality insurance at ever-higher premiums.
Senator John McCain of Arizona proposed the following as a presidential campaign platform: Congressman John Shadegg of Arizona. This bill did not become law. States do not have legislation to exempt entire health insurance companies from state regulation. On paper they would be examples, but in fact this would be really nothing particularly new in law or regulation.
Mandate rollbacks have all been a small percentage change - going from 32 state mandates to 25 not 0. It is enacted by the General Assembly as follows: Establishment of a regional health insurance market. The report shall address the extent to which licensure is a barrier to bringing other health insurers into the Rhode Island market. The report shall further address the manner in which licensure can be automatically granted to those insurers licensed in other New England states while still requiring that such insurers otherwise remain bound by the non-licensure related laws and regulations governing the administration of health insurance benefit plans in Rhode Island.
The director shall also delineate a timetable for regulatory change and cooperative agreements with the insurance commissioner in Massachusetts to effectuate a seamless health insurance market incorporating both states. The report shall include an analysis of barriers to the creation of a regional health insurance market and a proposed timeline for implementing all changes that would be needed to establish a regional health insurance market. The original version of the memo was compiled in December ; material has been added periodically as legislative actions have evolved.
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Copyright by National Conference of State Legislatures. This website uses cookies to analyze traffic and for other purposes. You consent to the use of cookies if you use this website. Continue Our online privacy policy. H 47 by Ramsey M R Relates to individual health insurance coverage, so as to authorize insurers to offer individual accident and sickness insurance policies in the state that have been approved for issuance in other states; provides for legislative findings; provides for a definition; provides for minimum standards for such policies; allows insurers authorized to transact insurance in other states to issue individual accident and sickness policies in the state.
Kentucky Signed Law. Subsidies are still available to offset premiums and out-of-pocket costs in the exchange. And although open enrollment ended on January 31, coverage is still available if you experience a qualifying event , regardless of pre-existing medical conditions. By October , total enrollment in qualified health plans QHPs, which are private plans through the exchange stood at 47, Rather than reporting just on-exchange numbers to the Insurance Department used for the monthly QHP membership report that the Insurance Department publishes , Community Health Options had been reporting both on and off-exchange numbers combined.
So starting in April, the enrollment report includes only on-exchange enrollments. PAP simply uses Medicaid funding to pay the premiums and any cost-sharing above Medicaid levels, and adds in any additional benefits that must be covered under Medicaid.
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Of the enrollees, 32 percent were new to the exchange for , and This was the lowest percentage of subsidy-eligible enrollees in any of the states where HHS is running the exchange, and quite a bit lower than the 85 percent average across all the states that use the federally-facilitate exchange. The October enrollment report indicated that there were people enrolled in small business SHOP plans through the New Hampshire exchange, representing a total of small businesses. There was a sharp drop-off from March to April; the March report had indicated that there were groups and 7, enrollees.
Minuteman Health had roughly 26, members as of November — well above their goal of 22, members. In April , Minuteman Health announced that they were requesting a But the final average rate increase for Minuteman plans in was just 4. Minuteman is the only carrier in the New Hampshire exchange that offers platinum plans, and they continue to have two zero-deductible platinum plans available for But their most popular plans are bronze and silver; 6, of their 16, on-exchange non-PAP members had bronze plans as of September , and 7, had silver plans.
As noted above, however, Minuteman Health has been placed in receivership by the Massachusetts Division of Insurance, and their plans will not be available in Two carriers in the exchange — Minuteman Health and Community Health Options — requested double digit rate increases for Minuteman requested an average rate increase of nearly 50 percent, although they proposed a rate reduction of nearly 27 percent for their catastrophic plan.
But the final approved rate increases for Minuteman Health were much smaller than the carrier had requested. The rate decrease for the catastrophic plan was approved with only minor changes. Anthem and Harvard Pilgrim Health Care both had average approved rate increases of less than 6 percent. Before rates were finalized in New Hampshire, the worst-case scenario rate increase based on proposed rates was And the dominant carrier in the exchange — Anthem — had requested a rate hike of less than 10 percent, so the overall proposed weighted average rate hike was still under 20 percent.
Higher benchmark premiums mean that average subsidies are higher in than they were in Provider access in New Hampshire had already expanded considerably for In November , the New Hampshire Department of Insurance published a detailed explanation of network size and scope based on county and carrier for all of the carriers offering plans in the exchange.
Given that risk pools for on and off-exchange plans are unified, that would seem to indicate a relatively small ACA-compliant individual market outside the exchange. That hypothesis is further bolstered by the fact that less than 63 percent of New Hampshire exchange enrollees were receiving premium subsidies in and again in — far lower than the national average of about 85 percent.
If a significant number of non-subsidy-eligible enrollees are getting coverage through the exchange this is the population most likely to shop outside the exchange , it makes sense that the off-exchange population might be quite small. The New Hampshire Department of Insurance is an active participant in overall functionality of the New Hampshire exchange, which operates as a partnership between the state and HHS.
The Department of Insurance has published an inclusive overview of exchange information on their website to serve as a resource for state residents.
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Although New Hampshire residents use Healthcare. The site provides extensive information about health insurance options in New Hampshire, and can also connect residents with local in-person assistance. According to Gallup data , By the first half of — after Medicaid expansion had been in effect for several months — the uninsured rate had fallen to 8.
New Hampshire health insurance marketplace: history and news of the state’s exchange
All in all, the effectuation rate matches up with the national averages. Medicaid enrollment continues year-round. But in June , the Supreme Court ruled that subsidies are legal in every state, even those that rely on the federally-run exchange.
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This was obviously a huge win for the people of New Hampshire who have subsidized coverage through the exchange; the Kaiser Family Foundation had estimated that their premiums would have increased by percent if the subsidies had been eliminated. The American Academy of Actuaries had projected market-wide rate increases of at least 35 percent if subsidies had been eliminated, and the overall size of the individual market pool would have dropped by about 70 percent. Those funds would still have been available in regardless of the outcome of the King case, but state leaders had expressed concern that the program could have been jeopardized by the upheaval that would have been created in the exchange if subsidies had been eliminated.
One result of the increased competition in was a sharp reduction in average premiums. The benchmark plan second-lowest-cost silver plan changed as a result of the influx of carriers to the exchange, and the new benchmark plan in was about 17 percent less expensive than the benchmark plan in This was among the sharpest drops in the country, and highlights the importance of competition in holding down premiums. Avalere Health found that the average lowest-cost bronze plan in New Hampshire was 17 percent less expensive in , and that the average lowest-cost silver plan was 18 percent less expensive.
The silver drop is the largest in the nation, and the bronze drop is second only to Mississippi. The original projection for the New Hampshire exchange was 19, enrollees during the open enrollment; the final total is more than double that amount.
Anthem reported that more than 35, of the exchange enrollees were new customers for them in Anthem also reported that almost 90 percent of their enrollees paid their initial premiums in