Insurance Market Behavior

The state should ensure that a competitive insurance market exists to ensure the broadest access to comprehensive coverage, and allow hospitals and insurers to negotiate contracts without government interference. 


HAP Supports:

  • House Bill 533, which simplifies and streamlines the state’s physician credentialing process so new physicians and those coming from other states can more quickly begin providing health care and billing for these services.
  • House Bill 1194, which improves the prior authorization process by removing administrative barriers that delay patient access to care and services, burden providers, and result in hospital underpayments.
  • Act 42 of 2019, which allows the Pennsylvania Insurance Department to create a state-based health insurance exchange by 2021. A state exchange will produce savings for state insurers who are now charged for operating the federal exchange. The  savings will in part be used to create a reinsurance program with the  goal of lowering premiums for health insurance options. A new authority will create, manage, and maintain Pennsylvania’s state-based health insurance marketplace

At the federal level, HAP has endorsed legislation—H.R. 3107, the Improving Seniors’ Timely Access to Care Act—introduced by U.S. Representative Mike Kelly’s (R, PA-16) in partnership with Representatives Suzan DelBene (D-WA), Roger Marshall, MD (R-KS), and Ami Bera, MD (D-CA), that would help protect patients from unnecessary delays in care by streamlining and standardizing prior authorization under the Medicare Advantage program.


HAP Opposes:

Short-term Limited Duration Insurance

During 2018, the federal government expanded the availability of short-term, limited duration health plans. These plans were designed to serve as a temporary alternative for a consumer with a gap in insurance coverage. These plans do not have to meet the minimum requirements for comprehensive coverage under the Affordable Care Act. They can exclude preexisting conditions and deny coverage due to a preexisting condition. The plans do not have to cover essential health benefits, prescription drugs, preventive services or substance use disorder treatment.

Any Willing Insurer Proposals

HAP opposes Any Willing Insurer proposals, which would force hospitals to contract with any interested insurer. This approach forces a one-size-fits-all system for how hospitals must contract with insurers and how they are paid for patient care. Any Willing Insurer would hinder contracts that promote innovative care models and hospitals' ability to address specific patient and community health care needs. HAP advocates for elective network contracting, which is a fundamental to the competitive process and the concept of managed care––adopted by the state and federal governments to control costs and improve care. 

HAP Contacts

For more information, contact Jeffrey Bechtel, senior vice president, health economics and policyJolene Calla, vice president, health care finance & insurance; or Kate Slatt, vice president, innovative payment and care delivery. For media inquiries, contact Rachel Moore, director, media relations.

HAP News

November 05, 2020

National Issues that Brought Voters to the Polls

Americans voted in record numbers for this week’s election, with more than one hundred million early votes ahead of the election, and 35 million Americans going to the polls to vote in person. What issues incited such a large turnout among voters this year? 

November 02, 2020

Supreme Court to Hear Arguments on ACA

On November 10, the U.S. Supreme Court will hear oral arguments in a legal suit seeking to overturn the Affordable Care Act (ACA), including protections for pre-existing medical conditions, no out-of-pocket costs for certain preventative screenings, and the ability for students to be covered under their parent’s health plan until 26.

October 26, 2020

Pennsylvania’s Open Enrollment Begins November 1; New State-based Insurance Exchange Pennie

Open enrollment for 2021 health insurance coverage in Pennsylvania begins November 1, 2020, and will continue through January 15, 2021. For the first time, Pennsylvanians in the individual market will sign up using Pennie, the new state-based insurance exchange. Data is being migrated from and enrollees are receiving instructions for claiming their new account on Pennie.