Filed Under:Health Insurance, Individual Health

PPACA: NAIC Consumer Reps Look at Antiselection

President Obama signs PPACA. (AP Photo/J. Scott Applewhite)

President Obama signs PPACA. (AP Photo/J. Scott Applewhite)

The individuals who speak for consumers at the National Association of Insurance Commissioners (NAIC) have come up with ideas for how regulators and lawmakers could keep new federal guaranteed issue rules from wrecking the individual health insurance market.

The reps included  a collection of recommendations for dealing with the guaranteed issue rules in a discussion of strategies for implementing the Patient Protection and Affordable Care Act of 2010 (PPACA).

Some have suggested that consumers may try to game the system by paying the modest tax on uninsured individuals, then acting as "free riders" and waiting until they are seriously ill to buy health insurance.

To control the free rider problem, state regulators, state lawmakers and the U.S. Department of Health and Human Services (HHS) should make sure that both the exchanges and the fully insured individual market have standardized open enrollment periods, or periods when anyone can buy individual health coverage, the consumer reps say.

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Nichole Morford

Nichole Morford
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