Medigap Policies Face New Federal Nondiscrimination Rule

[kgmom219]

And look what KFF just posted. I think we are ok.

The Biden Administration’s Final Rule on Section 1557 Non-Discrimination Regulations Under the ACA | KFF

This brief overviews the Biden Administration’s 2024 final rule implementing Section 1557 of the ACA, which is home to the law’s major nondiscrimination provisions. It provides a brief background on 1557 rulemaking and identifies key differences between this rule and the 2020 rule from the Trump...

www.kff.org

 

[Newby]

Drastic changes, such as those proposed by CMS, will most likely require filing and approval by the respective states DOI . . . which could take months.

New rates. New pricing structure (unisex). Community rating.




Private insurers write the policies, based on standardized templates included in federal statutes. State insurance regulators oversee the insurers.


In the introduction to the new regulations, HHS officials say section 1557 applies to all forms of health insurance, including Medigap policies and excepted benefits policies.


The section also applies to Medicare Advantage plans, Medicare Part D prescription drug coverage and Affordable Care Act public health insurance exchange plans, officials say.

HHS is planning to publish the final rule in the Federal Register, an official regulatory publication, May 6.

The rule is set to take effect 60 days after the official publication date.




Or else . . . .???

What the politicians never understand when they require uni-sex rates is that just means everyone pays the higher male rates. If they require that smokers and non-smokers pay the same rate then everyone pays the smoker rates. If they require no underwriting then everyone just has to pay GI rates. If all ages have to pay the same then the 20-year olds will have to pay the 60-year old's rates.
It doesn't work the other direction.
Well they sure fixed it! lol
But it won't matter to them anyway because they aren't going to go off their cushy health plan paid by us to only have the crappy coverage that they put us on.