HHS Final Rules Hope to Provide Stability to the Marketplaces

John GarnerCompliance, Resources

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.

The Regulations
  • 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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