HHS failed to get guidelines in place for a basic health plan to be up and running by 2014. The option is meant to cover people who are not eligible for Medicaid but who cannot obtain private insurance.
Some patients who purchase health plans from government-run exchanges can afford the premiums but not the deductibles, which can reach thousands of dollars. As a result, some patients may forgo needed tests and other services even though they have insurance.
A family that qualified for tax credits and cost-sharing for a marketplace plan under the Affordable Care Act would likely still have access to that plan after one of the spouse's employment status changes, but they might no longer qualify for premium assistance or cost-sharing. Medicare-eligible individuals who have health coverage under a spouse's plan may delay enrolling in a Part B plan without penalty until eight months after coverage ends, and the same exemption applies for Part D if the spouse's plan includes prescription drug coverage.
HHS rejected the application of Mississippi's insurance officials to operate a insurance exchange under the Affordable Care Act. The move intervenes in the dispute between Gov. Phil Bryant and state Insurance Commissioner Mike Chaney, both Republicans, over the best approach to dealing with the health care law. Bryant's opposition made it impossible for the insurance officials to proceed with their plan, HHS said.
HHS failed to get guidelines in place for a basic health plan to be up and running by 2014. The option is meant to cover people who are not eligible for Medicaid but would be unable to afford health insurance, even after receiving Affordable Care Act subsidies.
Most health insurance plans that were established by March 23, 2010, may be "grandfathered" –- exempt from certain parts of the Affordable Care Act -- but plans lose that status if certain changes are made, according to this FAQ list for consumers. According to a survey conducted by the Kaiser Family Foundation, 48% of people who receive employer-provided coverage have grandfathered health plans.