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AAHCA allows for greater health care coverage opportunities for those with chronic or complex health needs by increasing funding to state-run high risk pools. |
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Additionally, AAHCA provides for the development and adoption of best-practice protocols for state high risk pools with the goal of improving the efficiency and availability of such pools. |
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.AAHCA also permits insurance companies to offer up to three “health benefit plans” or policies with limited benefit mandates. |
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These plans can only be offered by companies in states where the company is fully licensed to do business and in compliance with all applicable laws regarding the practice of insurance. |
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.Individuals and families who do not receive health insurance coverage through their employer or from government have the option of purchasing these plans through the individual market. |
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AAHCA allows reciprocal agreements between insurance companies across state lines to recognize coverage |
CAHC Position
CAHC believes that state high risk pools should be expanded with additional funding and that structuring the pools so they arte better funded and can expand coverage to additional medically uninsurable individuals is a critical step in protecting this population. In addition, CAHC believes benefit mandates raise the price of health insurance. Indeed, studies estimate that benefit mandates price as many as 1 in 4 Americans who are uninsured out of the individual market. Congressman Fortenberry’s office estimates enactment of the bill could save between 20 to 30 percent on premium costs. Currently, sixteen states allow individuals and families to purchase insurance plans with limited mandates.
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