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Idaho's Actions Continue Challenges For ACA.

Timothy Stoltzfus Jost1

  • 1Timothy Stoltzfus Jost ( jostt@wlu.edu ) is an emeritus professor at the Washington and Lee University School of Law and a contributing editor at Health Affairs. [Published online March 12, 2018.] Readers can find more detail and updates on health reform on Health Affairs Blog ( http://healthaffairs.org/blog/ ).

Health Affairs (Project Hope)
|March 13, 2018
PubMed
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The Trump administration aimed to loosen rules for short-term health plans. In response, Blue Cross of Idaho introduced plans that did not meet Affordable Care Act standards.

Area of Science:

  • Health policy
  • Insurance regulation

Background:

  • The Affordable Care Act (ACA) established regulations for health insurance.
  • Short-term, non-ACA-compliant health coverage offers an alternative to ACA-compliant plans.

Purpose of the Study:

  • To analyze the implications of proposed regulatory changes on health insurance markets.
  • To examine the filing of non-ACA-compliant health plans by insurance providers in response to policy shifts.

Main Methods:

  • Review of federal regulatory proposals concerning short-term health insurance.
  • Analysis of state-level insurance filings and guidance.
  • Examination of Blue Cross of Idaho's submitted health plans.

Main Results:

  • The Trump administration proposed to liberalize rules for short-term, non-ACA-compliant health coverage.

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  • Blue Cross of Idaho filed health plans that did not meet ACA requirements, following state guidance.

    • Conclusions:

    • Regulatory changes can influence the types of health insurance products offered in the market.
    • Insurance providers may adapt offerings based on federal and state regulatory environments.