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Briefing on Health Insurance Exchanges under ACA______________________________
Jon Kingsdale, Ph.D.
Rhode Island Healthcare Reform Commission
June 2, 2011
What do exchanges do?
1. Inform the public & reach out to the uninsured
2. Determine eligibility and subsidy flows
3. Enroll subsidized & unsubsidized market segments
4. Specify plan designs & cost-sharing
5. Rate, select, contract & market QHPs
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Faces of health reform
“If I didn’t have health insurance, I would never have made an appointment with my doctor because of the cost. The cancer would have spread and I would not be alive today to tell you my story.” - Jaclyn Michalos, 27
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Faces of health reform
Before moving to Mass in 2007, she was told by an insurance agent in her home state: “You’ll never get insurance, so don’t waste your time.”
After discovering Commonwealth Choice: “I did the whole thing online and got a very good plan. I was just thrilled!” Abbie von Schlegell , Commonwealth Choice member
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Potential policy goals for RIHBE
•Near-universal enrollment•Simplify buying/increase transparency•Enhance competition among insurers•Reduce the cost of distributing insurance•Hold insurers accountable to consumers•Transform delivery of medical care•Maintain/support safety net providers•Engage consumers in trade-offs & wellness
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