HHS Preempts State regulation of Association Plan Rates

“Coverage that would be regulated as small group market coverage … if it were not sold through an association is subject to rate review as small group market coverage.” With that single sentence, the U.S. Department of Health and Human Services amended its recently adopted health plan rate regulations and preempted Washington State statutes and…

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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…

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Lost Ratios

I am just as good a basketball player as President Barack Obama. I make that judgment the same way we measure the fairness of health insurance prices. I judge my skill in relation to myself – mid-fifties, overweight, lost a step, and down from six foot to five-eleven. Regulators judge insurance premiums in relation to…

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