th Princeton C 24 th The 2 Confe ference Pros and C d Con ons of of Cha hanging t the he A ACA’s Essential Health B Benefit Requir uirement May 24, 2017 Sabrina Corlette, J.D.
Tab able Se Sett tting
“Swiss Cheese” C Coverage Why requir ire E EHBs? Holes in pre-ACA coverage • EHBs today: • 10 required benefit categories • Equivalent to a “typical employer • plan”
EHBs: Inext xtric icably ly Li Linked t to o Range ge o of Insura urance ce R Refo forms rms
A Variety of Coverage Protections EHB HBs a are lin linked to… APTCs: what are tax credits buying? • Actuarial values (Bronze, Silver, • Gold, Platinum) Annual & lifetime limits • Maximum annual out-of-pocket costs •
Rolling back E EHB: B: Imp Impacts fo for C Consumers
Insurance without EHBs Consequen ences fo for c coverage Likely insurer responses • Effects on consumer choices • Effects on consumer costs •
Thank you! Sabrina C a Corlet ette, e, J J.D. Resear esearch P Profes esso sor Geo eorgetown Univer ersi sity C Cen enter er o on Heal ealth Insuran ance R e Reforms Sabrina.Corl rlette@g @georg rgetown.edu @Sabr brinaCo Corlette tte 202 202-68 687-3003 3003
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