AHIP Releases Individual Market Guarantee Access Proposal, Announces Support for Third Party Review of Rescission...(rd party review would allow those few in...),Health

Date:12/19/2007

rd party review would allow those few individuals whose policies may be cancelled to have their case reviewed by an objective, independent board established by the state," said Mike Abbott, President and CEO of American Enterprise Group and Chair of the Operations Subcommittee. "We believe these reforms will enhance peace of mind for consumers purchasing individual health care coverage."

Third, the new proposal outlines five critical steps that states would need to follow if they seek to achieve universal participation by requiring that every citizen in the state have health care coverage. If a state takes these steps and achieves universal participation, health insurance plans could then guarantee coverage to all applicants, without regard to pre-existing medical conditions.

To achieve universal participation, states would need to develop an insurance coverage verification system; enforce the requirement to purchase and maintain coverage; establish an automatic enrollment process; provide premium subsidies for moderate- and low-income individuals and families; and secure funding for the coverage initiatives from a broad base of sources.

"Given our extensive experience, health plans can provide invaluable assistance to states as they experiment with different health care coverage options," said Charles Baker, President and CEO of Harvard Pilgrim Health Care and Co-Chairman of the Individual Market Task Force.

The private individual health insurance market currently provides coverage to 18 million people who do not have access to employer-sponsored health insurance and are not eligible for public programs. AHIP's new survey of the individual health insurance market will also be released today. The survey found that individually purchased health insurance is more affordable and accessible than may be widely known and that it offers a broad array of benefits.

To learn more about AHIP's individual market guarantee access prop
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SOURCE America's Health Insurance Plans Copyright©2007 PR Newswire. All rights reserved

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