The 2023 Notice of Benefit and Payment Parameters is out today.
These are the rules set by the Biden Admin for #ACA health coverage, including the Marketplaces, with focus on:
—Network Adequacy
—Standardized Plans
—Non-discrimination
—Risk Adjustment public-inspection.federalregister.gov/2021-28317.pdf
2/ the Biden Admin is proposing to reestablish federal review of provider networks to make sure enrollees don’t have to travel too far or long to access in-network doctors or hospitals. This is especially important now as “free” plans put pressure on insurers to narrow networks
3/ The Biden Admin is also proposing to require insurers to offer some standardized plan options in all states. This standardization of plan design helps enrollees make apples-to-apples comparisons across insurers. States like California have already been doing this with success
4/ The Biden Admin is also proposing to reverse a Trump Admin change that removed LGBTQI 🏳️🌈 protections against discrimination — and to create new standards for preventing discriminatory plan design for people with chronic diseases
5/ There are a number of proposed tweaks to risk adjustment, including —in a sign of the times — consideration of the “targeted removal of hydroxychloroquine.”
Insurers would also have to start reporting data on race and some other demographics of enrollees.
3/ Sadly @KrutikaAmin found that not only did the U.S. experience some of the worst excess death rates overall in 2020, we also saw many more young people die than did peer countries. Again, this is in part due to racial disparities, as more POC died young healthsystemtracker.org/brief/covid-19…
Health insurers were so profitable last year (during the pandemic) that they are now issuing $2 billion in rebates to consumers, as required by the Affordable Care Act (ACA/Obamacare) cms.gov/files/document…
2/ Why were insurers so profitable? Because people were using less healthcare. Fewer hospital stays, doctor visits, etc. (that's continued at least into early 2021) healthsystemtracker.org/brief/early-20…
COVID hospitalizations are still costly -- racking up billions of dollars. But, in 2020 at least, that was balanced out by people delaying or forgoing other medical care healthsystemtracker.org/brief/unvaccin…
3/ In October, the most recent month with age-specific data, COVID-19 was the #1 killer of people age 45-54 in the U.S. healthsystemtracker.org/brief/covid19-…
Curious how the Medicaid expansion works in Build Back Better? Here's a quick thread.
In short, BBB would close the Medicaid coverage gap in states like FL and TX that haven't expanded the program by allowing people living under poverty in those states to access ACA subsidies 🧵
2/ People in states that have already expanded Medicaid with incomes under 138% of poverty would still have Medicaid.
Starting in 2022, if BBB passes, 2.2 million uninsured people living in 12 Medicaid non-expansion states could get heavily subsidized coverage through ACA markets
3/ If BBB passes: In states that do not expand Medicaid, people with incomes under 138% of poverty would get free ($0 premium silver plans) that, in 2022, have an actuarial value of 94% (very low deductible) and from 2023-2025 have an actuarial value of 99% (maybe no deductible)
🧵 Here's an updated summary of the major health provisions in Build Back Better.
It has changed from the original version, so I'll walk through the current version in this thread 🧵(1/10)
Click the link for more data on potential costs and impact: kff.org/health-reform/…
2/ Build Back Better would boost ACA Marketplace subsidies through 2025 (original version was permanent). Upper/middle income people would not be priced out of coverage and low-income people would get free platinum-like plans, thru 2025. Over a million people could gain coverage.
3/ Build Back Better would create a new Medicare hearing benefit (no longer dental/vision). Hearing aids would be available every 5 years with 20% coinsurance. There are about 36 million Medicare beneficiaries in traditional Medicare who currently lack this coverage.
With new regulations on #SurpriseBills expected to drop momentarily, a reminder that about 1 in 5 emergency visits results in an out-of-network charge, putting patients at risk of surprise bills healthsystemtracker.org/brief/an-exami…
Even for childbirth -- something patients have months to prepare for, and it's common for new parents to even go on TOURS of hospitals in preparation for -- 1 in 10 in-network hospitalizations comes with an out-of-network charge healthsystemtracker.org/brief/surprise…
Soon, most surprise billing practice should stop with implementation of the No Surprises Act.
But there are holes in these protections, particularly for ground ambulance rides (which are exactly the sort of situations patients feel powerless in). healthsystemtracker.org/brief/ground-a…