Final regulations issued by the Department of Health and Human Services (HHS) are intended to provide stability to the individual health insurance marketplaces around the country. The regulations make a number of changes intended to give insurance companies more flexibility and to encourage people to keep coverage in place, rather than having it intermittently.
- Allow insurance companies to deny enrollment to any individual who has outstanding debt for coverage under any of its products (or products of affiliates) from the previous 12-month period
- Shortens the open enrollment period to 45 days
- Imposes restrictions on special enrollment periods
- Increases the allowable variations in the actuarial value of products
- Shifts the determination of network adequacy to state regulators or to an accreditation body in states that do not have this function.
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