How temporary insurance for high-risk individuals may play out under health reform

Health Affairs

Volumn 29, Issue 6, 2010, Pages 1164-1167

  Chollet, Deborah J ^a  

^a MATHEMATICA POLICY RESEARCH   (United States)

Author keywords

[No Author keywords available]

Indexed keywords

ACT; COST BENEFIT ANALYSIS; FUNDING; GOVERNMENT REGULATION; HEALTH CARE COST; HEALTH CARE POLICY; HEALTH INSURANCE; HIGH RISK PATIENT; LOWEST INCOME GROUP; MARKETING; MEDICAID; MEDICARE; PATIENT CARE; PRIVATE HEALTH INSURANCE; PROTECTION; SHORT SURVEY; UNITED STATES; ARTICLE; COST; GOVERNMENT; INSURANCE; LEGAL ASPECT; ORGANIZATION AND MANAGEMENT; PATIENT; TIME;

COST SHARING; FEDERAL GOVERNMENT; HEALTH CARE REFORM; HEALTH CARE SECTOR; INSURANCE BENEFITS; INSURANCE POOLS; INSURANCE, HEALTH; MEDICALLY UNINSURED; STATE GOVERNMENT; TIME FACTORS; UNITED STATES;

EID: 77956918739     PISSN: 02782715     EISSN: 15445208     Source Type: Journal    
DOI: 10.1377/hlthaff.2010.0458     Document Type: Short Survey

References (15)

1. National Association of State Comprehensive Health Insurance Plans. Comprehensive health insurance for high-risk individuals: a state-by-state analysis, 2009/2010. Denver (CO): Leif Associates; 2009.
2. Pollitz K, Sorian R, Thomas K. How accessible is individual health insurance for consumers in less-than-perfect health? Washington (DC): Kaiser Family Foundation; 2001 Jun.
3. The Health Care Tax Credit (HCTC) was established to assist workers receiving a Trade Readjustment Allowance under the Trade Adjustment and Assistance (TAA) program and attending TAA-approved training; people with a wage subsidy under the Alternative TAA (ATAA)/Reemployment Trade Adjustment Assistance (RTAA) program for older workers; and early retirees over age fifty-five receiving pension payments from the Pension Benefit Guaranty Corporation. Eligible people receive a tax credit equal to 80 percent of the premium for a qualified health plan for themselves and qualifying family members.
4. National Association of State Comprehensive Health Insurance Plans. Comprehensive health insurance for high-risk individuals: a state-by-state- analysis. 23rd edition. Denver (CO): Hampden Press; 2009 Aug.
5. The NAIC Model Act prohibits rates above 200 percent of the standard risk rate, making that the maximum allowable premium for a high-risk pool that qualifies under HIPAA's individual portability rules.
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7. To claim HIPAA coverage in a high-risk pool (so that coverage for pre-existing conditions would begin immediately), applicants must have had at least eighteen months of creditable group coverage (including COBRA), with no gaps in coverage of more than sixty-three days.
8. Pollitz K. Issues for structuring interim high-risk pools. Washington (DC): Kaiser Family Foundation; 2010 Jan.
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15. U.S. Department of Health And Human Services [Internet].Washington (DC): DHHS. Press release, Sebelius continues work to implement health reform, announces first steps to establish temporary high risk pool program; 2010 Apr 2. Available from: http://www.hhs.gov/news/press/2010pres/04/20100402b.html