Health reform and the Patient Protection and Affordable Care ActFamily Medical Leave Act

House PPACA employer mandate bill gets CBO budget impact score
Members of the House may be getting closer to voting on H.R.4616, a bill that could both suspend collection of Patient Protection and Affordable Care Act employer mandate penalties, and further delay the start date of the PPACA Cadillac plan tax. Analysts at the Congressional Budget Office and the congressional Joint Committee on Taxation now have posted an estimate of the impact of the Employer Relief Act of 2018 bill. The analysts estimate the bill could cut enough revenue, and lead to enough extra spending to increase the size of the federal budget deficit by $39.5 billion over the period from 2019 through 2028.

Senate tax bill will include repeal of PPACA mandate
Senate Majority Leader Mitch McConnell, R-Ky., announced this week that the Senate tax bill will include language to repeal the Patient Protection and Affordable Care Act’s individual mandate. Conservative leaders in the Senate pushed to include the provision, which would eliminate the federal penalty on people who do not buy health insurance. According to McConnell, adding the individual mandate repeal will make it easier to achieve the votes necessary to pass the bill. President Trump has also pushed for the provision to be part of the tax bill.

PPACA update
A federal judge ruled Oct. 25, 2017, that the Trump administration does not have to resume reimbursements after The White House announced it will end Patient Protection and Affordable Care Act subsidy payments to insurers last week. Meanwhile, Sens. Lamar Alexander, R-Tenn., and Patty Murray, D-Wash., reached a bipartisan agreement on a deal to fund the PPACA’s cost-sharing program through 2019 and make it easier for states to customize PPACA rules to their needs. It is unclear when a bill will be presented for a vote. Additionally, Sens. Lindsey Graham, R-S.C., and Bill Cassidy, R-La., have joined a bipartisan group of lawmakers who back legislation that would shore up the PPACA’s insurance markets for two years.

Executive action ends subsidies to the PPACA
The White House announced that it will end Patient Protection and Affordable Care Act subsidy payments to insurers. These payments, which are estimated at $7 billion a year, help cover the out-of-pocket costs of health care for low- and middle-income Americans. According to the Congressional Budget Office, the action would increase the number of uninsured people. To date, the attorneys general from 18 states have filed a lawsuit to keep the subsidies in place.

Trump issues order on PPACA
President Trump issued an Executive Order this week that will increase the availability of short-term, limited duration insurance and health reimbursement arrangements, which are limited by the Patient Protection and Affordable Care Act. The order also expands access to association health plans to allow small businesses to band together to purchase large group plans.

PIA National is expressing caution about the order, since it could offer less expensive health insurance with less coverage. While it is unclear what effect the order could have on the PPACA’s individual markets, according to a statement by PIA National: “Creating a new framework for health insurance policies that could be subject to less regulation has the potential to destabilize existing individual health insurance markets,” said Lauren Pachman, PIA counsel and director of regulatory affairs. “Insurance is based on the pooling of risk. Creating duplicative individual health insurance marketplaces could lead to failure for both.”

PIA plans to work with the Treasury, Labor, and Health and Human Services departments as they develop guidance on this Executive Order to ensure that its implementation does not undermine consumer protections or the state regulation of insurance.

Health-care update: The rise and fall of Graham-Cassidy
Sens. Lindsey Graham, R-S.C., and Bill Cassidy, R-La., proposed new repeal legislation in early September which failed to come to a vote later that month. The bill would have replaced Patient Protection and Affordable Car Act tax subsidies with block grants, end the law’s individual insurance mandate and scale back its Medicaid expansion. It was the latest attempt to repeal the PPACA before the GOP’s power to pass health-care legislation through a party-line vote in the Senate expired on Sept. 30. Senate Majority Leader Mitch McConnell, R-Ky., said that if the bill had gained the support of at least 50 of the 52 GOP senators, he would have brought it to the floor for a vote.

The bill was sent to the Congressional Budget Office for a preliminary analysis, and it was demanded the agency expedite the score. The CBO released a preliminary score several days later which estimated that between 2017 and 2026, the legislation would reduce the on-budget deficit by at least $133 billion. Those savings would occur because, under the legislation, outlays from new block grants between 2020 and 2026 would be smaller than the reduction in net federal subsidies for health insurance. Funding would shift away from states that expanded eligibility for Medicaid under the PPACA and toward states that did not opt for those expansions. The CBO also estimated that the number of people with comprehensive health insurance that covers high-cost medical events would be reduced by millions compared with the baseline projections for each year during the decade. This reduction in the number of insured people—relative to the number under current law—would result from three main causes. First, enrollment in Medicaid would be substantially lower because of large reductions in federal funding for that program. Second, enrollment in non-group coverage would be lower because of reductions in subsidies. And finally, enrollment in all types of health insurance would be lower because penalties for not having insurance would be repealed.

The decision not to vote on the bill marked the fourth PPACA-repeal bill failure since the summer began.

Senate won’t vote on PPACA repeal bill
Senate Republicans have decided to not vote on their latest Patient Protection and Affordable Care Act repeal legislation, signaling a collapse in their last-ditch effort to kill off President Barack Obama’s signature law. The last-ditch bill sponsored by Sens. Bill Cassidy, R-La., and Lindsey Graham, R-S.C., would have dismantled the PPACA’s insurance subsidy program and Medicaid expansion and convert their funding into block grants to states.

U.S. Senate may vote on health-care bill by end of next week
Senate Majority Leader Mitch McConnell, R-Ky., and his leadership team are considering a vote on a bill that would replace Patient Protection and Affordable Care Act tax subsidies with block grants; end the law’s individual insurance mandate; and scale back its Medicaid expansion. The goal is to vote on the legislation by Sept. 30, 2017.

Senate committee to hold bipartisan hearings on health care
The U.S. Senate health committee will hold bipartisan healthcare hearings in September on how to strengthen and stabilize the individual health-insurance market. The panel plans to craft a bipartisan solution before insurers sign contracts with the federal government over what insurance plans to sell on the federal exchange for 2018, according to U.S. Sen. Lamar Alexander, R-Tenn. The committee plans to discuss the issue with insurance commissioners, patients, insurance companies, state officials and health-care experts.

Update on federal health-care legislation
After a months-long journey that started during March in the U.S. House of Representatives, the American Health Care Act was voted down by the Senate in July, effectively killing the Republican-led push to replace the Patient Protection and Affordable Care Act. Three key republican senators crossed party lines to block the effort from passing the Senate. However, House Speaker Paul Ryan recently issued a statement expressing a willingness to create a working group with the Senate to come to a bipartisan agreement on how to proceed with health care.

The AHCA differed from the current PPACA in several key aspects. First, the AHCA did not include an individual or employer mandate. Instead, carriers were permitted to impose a one-year, 30 percent surcharge on consumers that have a lapse in coverage. The AHCA would have changed the current income-based subsidies to an age-based refundable tax credit for premiums, which would have been phased out for higher premium and did not provide tax credits for out-of-pocket expenses. The AHCA would have allowed individuals and families to contribute more to a tax-free health savings account by increasing the limits to $6,550 and $13,100, respectively

Senate votes down repeal-and-replace health-care bill
Senate Republicans yesterday voted to advance an effort to repeal and replace the Patient Protection and Affordable Care Act. Vice President Mike Pence cast the tie-breaking vote, after Republican Sens. Susan Collins and Lisa Murkowski sided with all Democratic senators in opposition. The legislation then advanced to a floor debate where, it failed to garner the necessary 60 votes, effectively putting an end to the legislation.

Skinny repeal' health-care bill voted down
Following the Senate Republicans failure to advance legislation to repeal and replace the Patient Protection and Affordable Care Act last week, they tried to pass a “skinny repeal” bill, which would have undone some of the PPACA’s provisions. This bill also didn’t pass the Senate.

Senate health-care bill loses support, effectively blocking passage
Two more U.S. senators announced their opposition to the latest Republican effort to replace the Patient Protection and Affordable Care Act this week. Sens. Mike Lee, R-Utah, and Jerry Moran, R-Kan., joined Sens. Rand Paul, R-Ky., and Susan Collins, R-Maine, who previously announced their opposition to the Republican-drafted Better Care Reconciliation Act. With only 48 votes in favor of the legislation, the loss of Lee’s and Moran’s votes effectively killed the Republican’s chance of passing the legislation.

U.S. Senate releases repeal, replace legislation on PPACA
The U.S. Senate released a discussion draft of legislation this week that is the counterpart of the American Health Care Act previously passed by the House. The legislation, the Better Care Reconciliation Act of 2017, bears similar language to the AHCA. More … While Senate Republicans were initially aiming for a vote on the legislation before the July 4 holiday, Senate Majority Leader Mitch McConnell has since delayed the vote until after the recess. In the meantime, McConnell intends to work with other leaders to make changes to the bill. More ...

Latest on the AHCA
The Congressional Budget Office released an updated estimate of the impact the American Health Care Act of 2017. According to the report, the AHCA would reduce the federal deficit by $119 billion between 2017 and 2026. It also would increase the number of people who are uninsured by 23 million (by 2026), compared to the current law. Additionally, the Senate Budget Committee recently announced that the AHCA bill (H.R.1628) that was passed by House of Representatives in May complies with the Senate budget reconciliation rules, so it will not have to pass in the House again before it is sent to the Senate.​​​​​​​

GOP health bill passes U.S. House
A bill to repeal the Patient Protection and Affordable Care Act passed the U.S. House of Representatives last week by a vote of 217-213. The bill would eliminate fines on people who don’t buy health coverage; erase tax increases on higher-earning people; cut Medicaid for low-income people; let states impose work requirements on Medicaid recipients; allow states to get federal waivers from other PPACA requirements, which would allow insurers to charge people with pre-existing conditions higher rates, boost prices for older people and ignore mandates that cover specified services (e.g., pregnancy care); and block federal payments to Planned Parenthood. The bill now will go to the U.S. Senate.

Latest on the PPACA
The White House is calling for the GOP to introduce a health-care bill to repeal the Patient Protection and Affordable Care Act. According to a draft of the tentative deal, it would allow states to apply for limited waivers (to undermine protections for pre-existing conditions). With these waivers, states could opt out of PPACA standards (which set minimum benefits and forbid insurers from charging different prices to people based on their health). In the meantime, President Trump is poised to sign legislation to preserve a PPACA tax hike that could raise insurance premiums another 5 percent.

CMS issues final rule to increase choices, encourage stability in health-insurance market for 2018
The Centers for Medicare & Medicaid Services last week issued the final Market Stabilization rule to help lower premiums and stabilize individual and small-group markets and increase choices for Americans. Individuals obtaining coverage in the marketplace created by the Patient Protection and Affordable Care Act have faced double-digit premium increases; fewer plans from which to choose; and a market that continues to be threatened by insurance issuer exits. The CMS rule is designed to provide some relief for patients and issuers. More …

Trump announces fixes to the PPACA
The Trump administration announced limited fixes to the PPACA on Thursday. These changes include: shortening the sign-up window; curbing “special enrollment periods;” allowing insurers to collect past debt for unpaid premiums; and giving insurers more flexibility to design low-premium plans.

Republicans cancel vote on health-care bill
As has been widely reported, the vote on the GOP bill to replace the Patient Protection and Affordable Care Act was canceled last Friday. According to House Speaker Paul Ryan, R-Wis., House Republicans will focus on tax reform and other issues rather than replacing the PPACA.

Republicans work to change health-care bill before U.S. House vote
U.S. House Republicans are working on changes to a health-care overhaul bill to provide more generous tax credits for older Americans and add a work requirement for the Medicaid program for the poor. Leaders are working to address concerns raised about the legislation by rank-and-file Republicans. Democrats say the plan could throw millions of consumers off health insurance and hurt the elderly, poor and working families, while giving tax cuts to the rich. The health-care bill is expected to be brought for a vote on the House of Representatives floor on this week.

Groups fighting proposals to cap PPACA's tax breaks
Various employer and business groups are gearing up to fight proposals included in a leaked draft of the House Republican bill to replace the Patient Protection and Affordable Care Act. The leaked draft proposes to cap tax breaks on employer-provided health insurance, which are part of the PPACA. The groups argue that capping the tax breaks would cause employers to offer fewer benefits to their employers, or drop their health-care plans altogether.

Proposal aims to end insurance mandate in PPACA
A draft Republican bill to replace President Barack Obama’s health-care law would end its Medicaid expansion; scrap fines on people not buying insurance; and eliminate taxes on the medical industry and higher earners. Instead, among other things, it would create tax credits worth up to $4,000; allow bigger contributions to personal health savings accounts; and impose a levy on expensive health coverage some employees get at work.

Trump signs executive order to rollback PPACA
President Donald Trump signed an executive order granting—to the maximum extent permitted by law—the U.S. Department of Health and Human Services and other agencies, including the Internal Revenue Service, the authority and discretion to waive, defer, grant exemptions from or delay the implementation of any provision of the Patient Protection and Affordable Care Act that would impose a financial burden on any state, individual, family, health-care provider or other stakeholders in the health-care system. The purpose of the order is to grant more flexibility to the states in implementing health-care programs and to allow health-care related agencies to encourage a free and open market in interstate commerce through the offering of health-care services and insurance. The executive order does not allow agencies to bypass the Administrative Procedures Act should any action require the revision of current regulations.

Legislation introduced in U.S. Senate to repeal PPACA, ‘Cadillac tax’
The U.S. Senate approved a budget blueprint to repeal and replace the Patient Protection and Affordable Care Act last week. The Senate voted 51-48 along party lines for the measure, which relies on the same budget process used seven years ago to approve the PPACA to now attempt to dismantle it. U.S. Sens. Dean Heller, R-Nev., and Martin Heinrich, D-N.M., introduced a bill last week to repeal a tax on high-end insurance plans and would prevent the “Cadillac tax” from being implemented in 2020.

Rep. Mike Kelly introduces bill to repeal PPACA’s Cadillac Tax
U.S. Representative Mike Kelly, R-Penn., a member of the House Ways and Means Committee, introduced a bill (H.R.173) to repeal the Patient Protection and Affordable Care Act’s controversial Cadillac Tax on employer-covered health plans.

U.S. court puts PPACA case on hold until Trump takes office
A federal appeals court last week brought to an end President Barack Obama’s bid to overturn a ruling that threatens to gut his signature health-care law by putting the case on hold until after President-elect Donald J. Trump, who aims to repeal the Patient Protection and Affordable Care Act, takes office. The Obama administration appealed a judge’s May ruling favoring the challenge filed by Republicans in the U.S. House of Representatives against a key part of the 2010 law. But, the U.S. Court of Appeals for the District of Columbia Circuit agreed to a request by the Republicans to delay its consideration of the government’s appeal until after Trump takes office Friday, Jan. 20, 2017.

PIA says: 'Ax the Cadillac Tax!'
The Patient Protection and Affordable Care Act, commonly known as Obamacare, was signed into law on March 23, 2010. This legislation makes the most significant government expansion and regulatory overhaul to the U.S. health-care system since 1965, when Medicare and Medicaid legislation was passed into law.

On June 28, 2012, the U.S. Supreme Court ruled the Patient Protection and Affordable Care Act as constitutional and it will be implemented as written—unless there is future legislative action that changes or rescinds the law. The court did rule on a change of course for some provisions (primarily the expansion of Medicaid and the role the states will play), but the key components of the PPACA remain intact. The major provisions of the law will be effective in 2014. Everyone—with minor exceptions—will be required to be covered by a Qualified Health Plan in 2014. Most of us will continue to be insured by an employer-sponsored plan. The premiums paid by the employer will continue to be tax deductible and those employer-paid premiums will continue to be “not reported” to the employees.

On Tuesday, July 2, 2013, the Obama administration abruptly announced a one-year delay, until 2013, the health-care reform law’s mandate that larger employers provide coverage for their workers or pay penalties.

Some other highlights of the legislation include:

The PPACA also includes various other health-care reforms, which are covered separately in other sections of this tool kit.

U.S. Supreme Court rules 6-3, upholding subsidies under Obamacare

The US Supreme Court issued a ruling today, in a 6-3 decision, upholding the subsidies under Obamacare, even in states that use a federal exchange. In the opinion the court concluded that since Congress passed the Affordable Care Act to improve health insurance markets, not to destroy them, the Court, if at all possible, must interpret the Act in a way that is consistent with the former, and avoids the latter. The Court then concluded that Section 36B can fairly be read consistent with what they see as Congress’s plan. http://www.supremecourt.gov/opinions/14pdf/14-114_qol1.pdf. PIA National has put together a summary of this decision, which can be accessed here.

Employer reporting

IRS: Questions and answers on reporting of offers of health insurance coverage by employers (Section 6056)

Employer notices​​​​​​​

Information on employer notices, can be obtained at:
​​​​​​​www.pia.org/IRC/health/acaemployernoticeproactive9.17.13.pdf.

Tax penalty deadline

The Obama administration said that people who obtained health insurance by March 31 would not face any tax penalties for being uninsured in the first three months of 2014. People can sign up for insurance during a six-month open enrollment period that is scheduled to end on March 31. Under an earlier official interpretation of the law, people would have needed to sign up by Feb. 15 to avoid tax penalties.   ​​​​​​​

QuickSource documents

Four-state resources

QS90707—The PPACA: update and Supreme Court's impact
QS90719—Laws for small businesses—health care and taxes
QS90631—Initial analysis of the Supreme Court's health-care decision
QS90033—Employment laws affecting small businesses

New York resources

QS31159—New York health insurance—a small business guide

New Jersy resources

QS29085—New Jersey individual health coverage rates and carriers
QS29172—New Jersey's health insurance option for auto injury costs—what car owners need to know

Connecticut resources

QS06059—Consumer report card on health insurance carriers in Connecticut

Ask PIAs

Connecticut resources

060049-00—Individual health contracts

Role of agents and brokers

Resources for agents and brokers in the health insurance marketplace

Marketing materials

PIA National sample health-care reform ads to be placed in local media outlets

Common forms

New health insurance marketplace coverage options and your health coverage model notice (for employers who offer a health plan)
New health insurance marketplace coverage options and your health coverage model notice (for employers who do not offer a health plan)

PIA educational sessions

PIA's National Health-care Reform OnDemand Webinar with Jerry Rhinehart

New York resources

Health-care reform and the effects on New York with Gary Slavin

FAQs

Notice of coverage options (fines)
NAIC FAQ on Affordable Care Act
FAQs about Affordable Care Act Implementation (Part XXII)

Additional resources

U.S. Supreme Court rules 6-3, upholding subsidies under PPACA
Patient Protection and Affordable Care Act
United States Department of Labor Affordable Care Act
U.S. Department of Health & Human Services key features of the Affordable Care Act
U.S. Department of Health & Human Services year-by-year key features of the Affordable Care Act
Summary of coverage provisions in the Affordable Care Act
HealthCare.gov
White House health insurance reform reality check
NAIC Health-care reform FAQ
PIA National: What is a “navigator”?
Treasury and IRS issue final regulations implementing employer shared responsibility under the Affordable Care Act of 2015
Insurance Research Council The Affordable Care Act and property/casualty insurance
Overview of Marketplace Survey and QHP Enrollee Survey
Facts and perspectives on the Ebola pandemic
Pandemic awareness

Connecticut resources

CID commissioner weighs in on PPACA
Connecticut Insurance Department Bulletin HC-106: Rate filing for small employer plans
Gov. Malloy statement on administrative changes to the Affordable Care Act
Connecticut Insurance Department health insurance
Connecticut Insurance Department Bulletin IC-37: Gender identity nondiscrimination requirements
CTID consumer alert: information for Anthem customers
Connnecticut Insurance Department Bulletin HC-94: Maximum copays and filing issues
Connecticut Insurance Department Bulletin HC-90-14: Filing requirements for individual and small employer group health insurance policies to the Affordable Care Act
Connecticut Insurance Department Bulletin HC-90-14-2: Filing requirements for individual and small employer group health insurance policies subject to the Affordable Care Act
Connecticut Insurance Department Bulletin HC-81-14: Health insurance rate filing submission guidelines—2014
Connecticut Insurance Department Bulletins HC-95 and PC-75: Stop loss insurance coverage aka excess reimbursement insurance policies or excess insurance coverage policies
Health insurance coverage for autism spectrum disorders and early intervention services
Consumer/provider alert on Affordable Care Act changes to Connecticut's autism spectrum disorder and early intervention services (birth to three) mandates
Connecticut Insurance Department Bulletin HC-97: Revised statutory plans required by Connecticut General Statute Section 38a-568
Connecticut Public Act No. 14-40—changes to utilization review, grievance and appeals
Connecticut Insurance Department Bulletin HC-100: Health insurance coverage for preventative services
Filing requirements for individual and small employer group health insurance policies subject to the Affordable Care Act
Health insurance coverage for hearing aids—Conn. Gen. Stat. Section 38a-490b and Section 38a-516b

New Hampshire resources

NHHealthCost.org now offering side-by-side comparison of health-care costs and quality
NHHealthCost.org launches new resources aimed at Granite State business
NH Gov. Sununu's letter to President Donald Trump re: health-care reform
NHID issues guidance to health insurance companies
NHID press release: Insurance Department releases annual report on health insurance costs
NHID Bulletin INS-15-061-AB: Guidance on federal group size amendment, including revised guidance on application of extended transition to individual and group policies and employee counting
New Hampshire Insurance Department federal health reform
New Hampshire Insurance Department life, accident & health resources
New Hampshire's health insurance market and provider payment system: an analysis of stakeholder views
NHID Bulletin INS 130016-AB: Professional Employer Organizations (PEOs)
NHID Bulletin INS 13-017-AB: Market rules guidance
High-risk coverage to extend into 2014
NHID Bulletin INS 13-035-AR-2: The New Hampshire Individual Health Plan Benefit Association and the New Hampshire High-Risk Pool
Insurance commissioner gives green light to policy renewals
NHID Bulletin INS-13-037-AB: Renewals of non-ACA compliant policies in 2014
NHID press release: New Hampshire insurance commissioner releases annual report on health insurance rates
New Hampshire insurance commissioner will allow further policy renewals
Bulletin INS 14-009-AB: Extended transition to ACA-compliant policies
Gov. Hassan applauds Senate passage of bipartisan health-care expansion bill
Gov. Hassan's statement on House vote to expand health coverage
Gov. Hassan signs bipartisan health-care expansion legislation into law
Gov. Hassan and DHHS work to implement New Hampshire health protection program
2015 QHP certification—supplemental bulletin—guaranteed availability of coverage on and off marketplace
2015 QHP certification: guidance on the filing of advertising materials
New Hampshire Insurance Department issues statement on health-care rates
INS No. 13-035-AR: The New Hampshire Individual Health Plan Benefit Association and the New Hampshire High-Risk Pool
Gov. Hassan and DHHS announce implementation timeline for NH Health Insurance Program
New Hampshire Insurance Department's NHHealthCost.org website online, major enhancements planned
Statement from Gov.Hassan on CDC opioid prescription report
Gov. Hassan statement on the Protect Women's Health from Corporate Interference Act
New Hampshire Insurance Department Docket No:INS No. 13-035-AR: In re: The New Hampshire Individual Health Plan Benefit Association and the New Hampshire High Risk Pool
Gov. Hassan's statement on beginning of New Hampshire Health Protection Program coverage
Gov. Hassan and DHHS launch application process for NH Health Protection Plan
NHID Bulletin INS-14-023-AB: annual redetermination notice
NHID Bulletin INS 14-025-AB: Transparency in provider network directory and formulary information
NHID issues statement on health-care rates
Gov. Hassan, emergency response officials take action to prepare for current health threats
Gov. Hassan announces launch of New Hampshire prescription drug monitoring program
Gov. Hassan announces monitoring protocols for individuals returning from countries affected by Ebola outbreak
N.H. Insurance Department issues updated list of health-care provider networks
Gov. Hassan announces more than 30,000 enrolled in New Hampshire health protection program
New Hampshire qualified health plan bulletin to issuers planning to offer commercial insurance and premium assistance coverage on the New Hampshire health insurance marketplace—2016 plan year
Gov. Hassan announces more than 35,000 enrolled in New Hampshire Health Protection Program
Gov. Hassan announces premium assistance waiver for health-care expansion approved by federal government
NHID Bulletin INS-15-013-AB: continuity of care issuer bulletin
Statement from Gov. Hassan on signing S.B. 31
NHID Bulletin INS-15-023-AB: Use of diffential provider reimbursement rates to calculate cost-sharing within the same plan
NHID Bulletin INS-15-046-AB: Guidance on administration of autism benefits
NHID release: New Hampshire one of only three states to receive 'A' rating for price transparency
NHID release: Information for New Hampshire residents on 2017 health insurance marketplace and open enrollment
New Hampshire letter to U.S. House of Representatives on health reform
NHID bulletin: Guidance on newborn child coverage
NHID details experience with PPACA in letters
NHID Bulletin INS-17-011-AB: Network adequacy procedure for 2018 plans
NHID Bulletin INS-17-014-AB: Guidance on application of extended transition to individual and small group policies

New Jersey resources

DOBI life and health bureaus
DOBI Bulletin 18-09: Amendment to minimum standards for health benefit plans to facilitate plan designs consistent with federal requirements
DOBI Bulletin 18-10: Extended transition for certain health insurance policies
DOBI health insurance programs—IHC/SEH/NJ Protect
Department of Banking and Insurance gives healthcare insurers option to continue cancelled health-care plans
Christie administration advises New Jersey consumers how to recognize and avoid health insurance fraud

New York resources

NYSDFS health-care reform
NYSDFS health insurance resource center
NY State of Health
Superintendent Lawsky sends letter to Legislature urging passage of legislation in state budget to protect consumers from surprise, out-of-network medical bills
Superintendent Lawsky announces setting of 2015 health insurance rates for New York, including rates for health benefits exchange
Gov. Cuomo announces action to ensure health insurers provide coverage for necessary substance abuse treatment
Gov. Cuomo announces impact of potential Affordable Care Act repeal in New York