In 2019, the Washington legislature enacted a bill requiring insurers on the state’s health insurance exchange to offer plans with standardized benefit designs, beginning in 2021. Colorado and Maryland are considering similar requirements. As these and other states consider the option of standardized health plans, they can benefit from the experiences of California, the District of Columbia (D.C.), Connecticut, Massachusetts, New York, Oregon, and Vermont, all of which require insurers to offer standardized benefit designs. This Expert Perspective outlines benefits and risks of plan standardization, and raises critical questions that states will need to consider, and offers a decision roadmap for states implementing a standardized benefit design requirement.
Basic Health Plan: Is it an option for your State?
Manatt Health Solutions – Deborah Bachrach and Melinda Dutton
The Affordable Care Act (ACA) provides subsidized coverage options for individuals up to 400 percent of the Federal Poverty Level. States are responsible in large part for implementing the coverage expansions, and the ACA provides states the option to set up a Basic Health Plan (BHP) for individuals between the Medicaid expansion income limit (138 percent) and 200 percent of the Federal Poverty Level. This webinar by Manatt Health Solutions was designed to educate and aid states in analyzing and making a decision whether to pursue the BHP option as part of their broader ACA implementation strategy. The slides provide an overview of the statutory requirements, followed by a step-by-step analysis of the financial and operational issues, as well as the impact on delivery systems and state exchanges.