Consumer advocate and health insurance reform champion Jay Angoff is back in town.
Angoff, once Health and Human Services Secretary Kathleen Sebelius’ right-hand man -- and a former director of the Center for Consumer Information and Insurance Oversight (CCIIO) -- is going to be representing consumers in litigation against health insurers who are not complying with the Patient Protection and Affordable Care Act (PPACA), at Washington, D.C.-based Mehri & Skalet, PLLC.
The PPACA law says that insurance companies can no longer impose lifetime limits or rescind coverage, as Angoff pointed out. The PPACA also enables young people to stay on their parents' policies until age 26; requiring insurers to issue refunds if they spend more than 20 percent of the premium dollar on administrative expenses and profit.
Take Missouri, he said. An insurance commissioner there, as Angoff once was, could impose civil penalties but not order an insurance company to give back refunds to the insurer. Missouri does not have authority to order refunds when a consumer in injured. Civil penalty authority is not an adequate remedy for consumers, Angoff said.