Recreational Fiscal Note Analysis…AHP leads to decline of Western Civilization

Whatever your political persuasion on the issue of health care reform (Obama Care…that !#@ law…or…change at last, change at last), nothing seems to breed suspicion and controversy like association health plans which persist in providing insurance plans tailored to membership needs. Senate Bill 5605 would bar the Washington Insurance Commissioner from ruling on the issue…

Share

I’m Shocked…Shocked…at the cost of AHPs

Today the Washington State Senate held public hearings on Senate Bill 5605 that would permit Washington’s dominant association health plan market to continue until or unless the federal government shut it down. At issue is the Insurance Commissioner’s authority to determine for himself whether an association health plan qualifies as a “bona fide” association under ERISA,…

Share

Comment: NAIC Model Small Group “Bona Fide Associations”

The NAIC has circulated a revised Small Group Market Health Insurance Coverage Model Act with provisions narrowly defining “bona fide associations.” The NAIC should avoid additional, unnecessary deviation from federal standards. The proposed definition serves no useful purpose other than to insult those who did not go to college. The proposed NAIC draft defines “bona…

Share

HHS Rules Don’t Preempt Association Plan Community Rate Exemption

On September 6, the Federal Register published amendments by the U.S. Department of Health and Human Services (HHS) to its May 2011 regulations that require disclosure and state review of “unreasonable premium increases” by health insurers. The amendments expand the definitions of the individual and small group health plan markets to explicitly include plans purchased…

Share

HHS Seeking Comment on Regulation of Association Health Plan Rates

Washington State has regulated association health plans as large group plans for nearly 15 years. Washington State carved out a unique position in the health insurance market for trade associations back in 1995. An example of this carve-out originating when the state’s 1993 health care reform act was dismantled provides: Employers purchasing health plans provided…

Share