The Departments of Labor and Health and Human Services on Nov. 20 issued three proposed rules implementing major provisions of the Affordable Care Act that regulate insurers and bring new rights to consumers.
The first rule proposes health insurance market reforms, including prohibiting denial of coverage because of a pre-existing condition or other factors. Insurance issuers could vary premiums--within specific limits--based only on age, tobacco use, family size and geography. Banned are other factors besides pre-existing conditions such as health status, claims history, duration of coverage, gender, occupation and small employer size and industry. States can enact stronger protections than the minimum standards under the federal rating rules. The rule is available here with a fact sheet here.
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