Insurance Exchanges – New Healthcare Law « Health Insurance Advisory

Welcome to the New Healthcare Law Center and State News

new healthcare reform lawThe new healthcare law, called the Patient Protection and Affordable Care Act (PPACA), represents comprehensive healthcare reform legislation signed into law on March 23, 2010. It contains numerous provisions designed to protect consumers and promote low cost medical insurance, including many new taxes to pay for the cost.

In this section of the site, you can also obtain the following information specific to your state: available medical insurance options, efforts to regulate medical insurance premiums, healthcare, the individual medical insurance marketplace and the new healthcare law.

Our objective is to help Americans make sense of the new healthcare law by explaining key provisions in plain English and assisting individuals, families and the self-employed in using this information to find and secure affordable medical insurance.

Individual Medical Health Insurance Changes Effective 2014

The core pieces of the new healthcare law are scheduled to take effect in 2014 which will significantly impact individual medical health insurance. “American Health Benefit Exchanges” will be operational. These will enable individuals, families, the self employed and small businesses with up to 100 employees to shop, compare and enroll in qualified medical insurance. Additionally, medical insurance premium tax credits and cost-sharing subsidies for eligible individuals will also be available exclusively through the health insurance exchanges. The Congressional Budget [...]

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Can Health Insurance Exchanges Deliver low Cost Medical Insurance?

Health insurance exchanges are the key mechanism through which the Obama administration intends to implement its primary vision for healthcare reform.  Under the new healthcare law, called the Affordable Care Act (ACA), each state has been given an opportunity to establish a health insurance exchange by January 2014. The goal is for health insurance companies to compete for business on a transparent, level playing field that will drive down health insurance premiums and give individuals and small employers greater purchasing [...]

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South Carolina rejects federal funds to create medical insurance exchange

South Carolina has declined to accept millions of federal funds appropriated by the new healthcare law to help states set up medical insurance exchanges and will also let key deadlines pass. The health insurance exchanges are scheduled to open in 2014. Governor Haley said the federal plan is not the right fit for South Carolina. To date, only sixteen states and Washington D.C. have accepted federal funds thus far, according to the U.S. Department of Health and Human Services. If a [...]

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Wellmark Blue Cross Blue Shield undecided on joining health Iowa insurance exchange

Wellmark Blue Cross Blue Shield, Iowa’s dominant health insurer is considering staying out of the state’s planned health insurance exchange- a move that could hamstring the initiative. A spokesperson for the company said that it hasn’t decided whether it would offer coverage through Iowa’s planned health medical insurance exchange.Wellmark Blue Cross Blue Shield provides three-quarters of it medical insurance plans to Iowa individuals, families and the self employed, and small employers, roughly 1.8 million Iowans. Medical insurance exchanges are expected to [...]

Read More » Authored by Pete S - Sr. Staff Writer in Insurance Exchanges - New Healthcare Law, Iowa, New Healthcare Law, Wellmark Blue Cross Blue Shield | Comments Off

Health Insurance Exchanges- Cigna has clear position

Cigna Corp. is prepared for the implementation of the health insurance exchanges in 2014, President and Chief Executive Officer David Cordani said in a conference call announcing strong second-quarter results. Many details of the medical insurance exchanges are still to be developed, including fundamental operations, which states will participate and subsidy levels, Cordani said. “But based on what we know today, our team has a clear position on which markets we would participate in and the design of the products [...]

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Medical Insurance Exchanges- What are they?

The new healthcare law calls for the creation of health insurance “exchanges.” This is a new entity intended to create a more organized and competitive market for health insurance by offering consumers a choice of affordable medical insurance plans, establishing common rules and pricing for medical insurance, and providing standardized information to help consumers better understand the choices available to them. Health insurance exchanges are key to providing the uninsured with access to medical insurance coverage and facilitating changes to [...]

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