Right after the new rules and guidelines were announced regarding the availability of the Association Health Plans (AHPs) for small-scale business employers, there were criticisms citing that these would only lead to the destabilization of the Affordable Care Act. This is neither a valid argument nor an accurate thinking of consumer demand.
Oppositions assert that healthy employers will only leave the small group market and flock to the new Association Health Plans. The reason why they believe so is that the premiums available for companies with healthy employees will be less through the Association Health Plans than the one available in the small group market.
The U.S. Department of Labor's Frequently Asked Questions webpage specifically addresses the question:
Are AHPs subject to consumer protections?
In other words, the new rules and guidelines state that the Association Health Plans cannot use the preexisting conditions or medical history as an underwriting factor in determination of acceptance within an Association Health Plans 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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