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Shelly Rogers
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Shelly Rogers   My Press Releases

Nevada Insurance Enrollment Explains The New Health Insurance Marketplace

Published on 7/3/2018
For additional information  Click Here

Post - Future Health Insurance Plans for Year 2019 and Beyond


Higher Insurance Premiums Are Coming


Recent changes to health insurance laws, such as the elimination of the individual mandate and the increased availability of short-term health insurance plans, have been met with sighs of relief from cash-strapped Americans. However, experts predict that higher premiums are to come as healthy people exit the ACA marketplace.

According to a Gallup poll that was conducted this past March, health care is a top concern. Of the 1,041 adults surveyed, 55 percent said that they worried "a great deal" over the cost and availability of health care, and 23 percent that they worried "a fair amount."

Among the most pressing concerns regarding health insurance is its affordability. ACA regulations forced insurers to provide more robust and comprehensive policies that included benefits like mental health and substance use disorder services, preventative care, and prenatal services for all subscribers, all of which insurers could previously deny coverage for. The loopholes and exclusions that littered pre-ACA health insurance policies were eliminated, ensuring that policyholders had a better understanding of the policy they were paying for. Those with pre-existing conditions could not be denied coverage, nor could they be required to pay a higher premium.

While better quality health insurance benefited many, it also left policyholders with burdensome premiums. Under the Trump administration, health care is once again changing to offer more affordable health insurance policies with limited coverage. Middle-class families that do not have access to employer-subsidized health insurance plans but do not qualify for ACA's income-based subsidies will soon have the option of purchasing sub-standard health insurance policies without a tax penalty.

The ACA rules on state insurance standards have been weakened, allowing states to enjoy a greater degree of control over what benefits they have to provide coverage for. Rather than being required to cover ACA's 10 essential health benefits (EHBs), states will be able to select from 50 EHB-benchmark plans or chose which benefits to cover or not cover.

Additionally, the duration that short-term health insurance plans could be available expanded from 90 days to nearly a full year. While these health insurance plans have lower premiums than long-term options, they offer significantly fewer benefits.

With the introduction of low-premium/limited coverage health insurance plans, many young, healthy individuals who are not eligible for subsidies are likely to exit the health insurance marketplace in favor of cheaper plans. This will leave a marketplace that is dominated by people who are statistically the most likely to file a health insurance claim, without low-risk policyholders to provide balance.

Higher premiums will be necessary to offset the expense that comes with fewer, riskier policyholders. According to a recent study, Americans can expect health insurance premiums for individual plans on the ACA marketplace to increase between 35 and 94 percent over the next three years.

Before switching to a health insurance plan that offers fewer benefits at a lower premium, individuals should discuss their health care needs and financial concerns with an experienced health insurance agent.


Learn More: CLICK HERE


About Nevada Insurance Enrollment:

For over 15 years Shelly Rogers was a Cardiac Registered Nurse helping people pre and post cardiac surgery. For 5 years she was a licensed insurance agent working for Anthem Blue Cross and Blue Shield where she was a top producing agent in the nation in 2011, 2012 and 2013 for Individual and Family Health Insurance sales. She is the President of Nevada Insurance Enrollment, owner of Farmers Insurance (Shelly Rogers Agency), and a Member of NAHU (National Association of Health Underwriters), Nevada Chapter.



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