Americas Health Insurance Plans released a strategy that it says states could use to guarantee universal access to health insurance in the individual market, even for people with pre-existing conditions.
The strategy was part of a series of healthcare reform proposals released by the trade groups board of directors. This initiative is a fundamental repositioning, said Karen Ignagni, president and chief executive officer of AHIP. Our board is committed to ensuring that no American falls between the cracks of public and private programs and individuals can have their disputes reviewed by an objective third party.
Under the proposals, states would establish guarantee access plans to provide coverage for uninsured individuals who have the highest expected medical costs. Those not eligible for coverage through these access plans would get coverage on a guarantee issue basis, with premiums capped at 1½-times the standard rate, AHIP said in a written statement.
AHIPs proposals would also limit insurers use of pre-existing-condition exclusions, as well as restrict rescission actions. Specifically, the board recommended establishing a new third-party review process for pre-existing conditions and rescission decisions. -- by Jennifer Lubell
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