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.
For more information, contact Jeffrey Bechtel, senior vice president, health economics and policy; Jolene Calla, Esq., vice president, health care finance & insurance; or Kate Slatt, vice president, innovative payment and care delivery. Media inquiries should be directed to Liam Migdail, director, media relations.