Immediately after new rules were announced regarding availability of Association Health Plans (AHPs) for employers in the small group market, criticisms came forward that it would lead to destabilization of the Affordable Care Act. This is neither a valid argument, nor an accurate reflection of consumer demand.
Opponents argue that healthy employers will leave the small group market and flock to the new Association Health Plans, because the premiums for companies with healthy employees will be less through Association Health Plans than are otherwise available in the small group market.
The U.S. Department of Labor's Frequently Asked Questions page on their website specifically addresses the question:
Are AHPs subject to consumer protections?
In other words, the new rules state that Association Health Plans cannot use preexisting conditions (medical history) as an underwriting factor in determination of acceptance within an Association Health Plan trust or amount of premium to be charged to employers.
However, perhaps the bigger question we should be asking is: "Why it is necessary that Association Health Plans have limitations imposed on them in order to support plans created by Affordable Care Act (ACA)?" Shouldn't the ACA plans stand or fall on their own merits, not because of restricted competition?
Elevate Insurance currently has offices in Las Vegas, Nevada and Idaho Falls, Idaho. We proudly serve all of Nevada and Idaho focusing in the cities of Henderson, Las Vegas, and North Las Vegas, Nevada; and in Ammon, Blackfoot, Idaho Falls, Meridian and Rigby, Idaho.
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