Association Health Plans Go Into Effect

This expansion of health care choices returns certain risk manager tools stolen by the government with the passage of the Affordable Care Act (ACA):

☐ Allows plans to exclude coverage for maternity care, prescription drugs, mental-health services and other ‘essential health benefits’ the ACA requires of coverage

☐ Plans will have more freedom to charge different prices depending on customers’ ages, genders and locations — something ACA coverage cannot do.

☐ The regulations erase a requirement that any association must already have existed for a purpose unrelated to health insurance.

☐ These plans will also be able to reduce administrative costs and strengthen negotiating power with providers from larger risk pools and greater economies of scale….

☐ Moves health-insurance regulation from the state level to the federal level.

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