Insurance Exchanges

Washington State made history recently with passage of Chapter 364 – a new law that is poised to revolutionize the state’s individual insurance market. The law takes a multi-pronged approach to its market redesign by: Creating a quasi-public option product for Washington’s individual market; Requiring standard plan design for plans sold on its exchange; and […]

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  • State Health Policy Blog

    How California Is Moving the Needle on Coverage and Costs: An Interview with Covered California Leaders

    California Gov. Gavin Newsom’s new budget has infused significant funds to make health care coverage sold through its health insurance marketplace (Covered California) more affordable and has made new subsidies available to middle-income individuals earning between 400 to 600 percent of the federal poverty level (FPL). • California’s new subsidy program assists those earning up […]

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  • State Health Policy Blog

    New Jersey and Pennsylvania Approve Legislation to Launch State-Based Insurance Marketplaces

    State-based marketplaces (SBMs) give states more control over their local health insurance markets and consistently outperform states that use the federal marketplace with higher enrollment, more insurance plan choices for consumers, lower premium rate hikes, and a younger consumer base. These accomplishments are especially notable given recent federal policy actions that have unsettled insurance markets […]

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  • How to Slice the Pie? Market Segmentation

    Thursday, August 22, 3:30 pm – 5 pm Affordability remains a significant concern for consumers as premiums and deductibles continue to rise across all health insurance markets. Short-term limited duration plans, association health plans, and others compete for consumers, potentially leaving them with limited coverage and threatening to disrupt the risk balance for more robust […]

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    June 21, 2019 | Filed under: 2019 Conference, Insurance Exchanges

  • State Health Policy Blog

    Changes to Poverty Measure Could Disqualify Thousands from State and Federal Programs

    The Office of Management and Budget (OMB) is seeking public comment on possible changes to how the federal poverty measure is annually adjusted for inflation. The changes would impact individuals’ eligibility for multiple programs because the US Department of Health and Human Services uses the poverty measure to establish poverty level guidelines. A wide range […]

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  • State Health Policy Blog

    “So You Want to Build a State-based Marketplace? Here’s How!” — Advice from Marketplace Leaders

    States that control their own insurance marketplaces – called state-based marketplaces (SBMs) – are leaders in providing affordability and choice, outperforming the federal marketplace on notable markers including higher enrollment, lower premium rate hikes, more participating issuers, and successfully attracting a young consumer base. These accomplishments are especially notable given recent federal policy actions that […]

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  • NASHP Insurance Marketplace Resources

    State-based health insurance marketplaces (SBMs) have emerged as successful models in delivering health insurance to consumers. They consistently outperform other states that use the federal platform in areas of enrollment, affordability, and increased plan offerings and competition. Their flexible structure allows SBMs to focus marketing and outreach efforts and promote policies that generate more health […]

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    April 8, 2019 | Filed under: Insurance Exchanges

  • State Health Policy Blog

    Is New Jersey’s Conversion to a State-Based Insurance Exchange a Harbinger?

    States with state-based insurance marketplaces (SBMs) have consistently outperformed states that use the federal platform in enrollment, affordability, and increased plan offerings and competition, prompting states to consider launching their own marketplaces and Congress to propose new funding to support states that want to transition. New Jersey may become the next state to convert to an […]

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  • Individual Enrollment in Federal and State Health Insurance Marketplaces 2018-2019*

    Read a blog about state-based marketplace performance here and view slides comparing state-based and federally-facilitated marketplaces here. * State-based marketplaces (SBMs) design their enrollment websites, control outreach and marketing, and manage the health plans offered through the marketplace. This data came from publicly available sources or directly from the marketplace. States with federally-facilitated marketplaces (FFM) rely on […]

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    April 1, 2019 | Filed under: Charts, Eligibility and Enrollment, Insurance Exchanges

  • State Health Policy Blog

    How the President’s Proposed Budget Impacts Critical State Health Programs

    The President’s 2020 budget request proposes a 12 percent reduction in the US Department of Health and Human Services (HHS) budget, compared to 2019 federal fiscal year (FFY) funding levels. The following highlights some of the key components of the President’s proposed $87.1 billion HHS budget proposal that could impact state health programs. Affordable Care […]

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