Filed Under:Health Insurance, Individual Health

Producers to Feds: Beware of games

Something as simple as the exact rules for when consumers can and cannot sign up for health coverage could have a big effect on the flow of health claims risk and on what commercial health insurance costs.

Representatives from the National Association of Health Underwriters (NAHU) and the Council of Insurance Agents & Brokers (CIAB) make that argument in separate comment letters submitted in response to draft Patient Protection and Affordable Care Act (PPACA) implementation regulations that the U.S. Department of Health and Human Services (HHS) published in November 2012.

Waltman suggested in the NAHU letter that regulators should recognize that they have "inherent discretion" in using PPACA enforcement powers in ways that will help hold down the cost of coverage and keep PPACA from disrupting the individual and small group health insurance markets.

The administration should phase in enforcement of requirements, such as the premium rating rules, over at least three years, especially in states like Delaware and Pennsylvania that now have much different rating rules, Waltman said.

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Nichole Morford

Nichole Morford
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