High-risk pools add more plan op­tions in 2011

Modern Healthcare - - Late News -

High-risk in­surance pools in at least 23 states will of­fer pa­tients with pre­ex­ist­ing health con­di­tions more plan choices start­ing next year. To­day, only one op­tion is avail­able in the fed­er­ally funded pro­gram. But start­ing in 2011, pa­tients re­sid­ing in the 23 states where the HHS is run­ning the high-risk pools will be able to choose be­tween three plan op­tions: a stan­dard plan, an ex­tended plan and a health sav­ings ac­count plan. Ad­di­tion­ally, the pro­gram will be­gin ac­cept­ing cer­tain chil­dren at child-only rates. Qual­i­fied ap­pli­cants must have been unin­sured for at least six months. The pre-ex­ist­ing con­di­tion in­surance plans are funded with $5 bil­lion through the Pa­tient Pro­tec­tion and Af­ford­able Care Act. The pro­gram sun­sets in 2014 when in­sur­ers won’t be able to deny care to any­one with pre-ex­ist­ing health con­di­tions.

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