Insurers are fighting to keep teeth in the individual health coverage open enrollment rule period rules. One battle is flaring up in California.
Out west, Covered California has talked about providing 90 days of temporary coverage for consumers who are trying to prove they are eligible to apply for individual coverage outside the open enrollment period. The California Association of Health Plans (CAHP) objected.
If the proposal takes effect, “this will allow consumers that are disproportionately high-cost to enter the system at the point they need immediate care, which will skew the risk pool and make premiums less affordable and more volatile,” Athena Chapman, CAHP’s regulatory affairs director, writes in a comment letter. Covered California included the letter in a board meeting packet.
The Patient Protection and Affordable Care Act (PPACA) now requires insurers to sell individual coverage without taking personal health information into account. When insurers are pricing coverage, the only personal health status information they can use is age.