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Advocates Secure Short-Term Plans Limits, Safeguarding Comprehensive Care, Consumer Protections for Illinoisans

SPRINGFIELD – Protect Our Care Illinois applauds the Illinois General Assembly for successfully overturning Governor Rauner’s amendatory veto of SB1737, including the Short-Term Limited Duration Health Insurance Coverage Act. By overturning the Governor’s veto, the Illinois General Assembly joins health care consumers, advocates, and providers across our state to send a strong message that Illinoisans value access to comprehensive care.

SB1737, which will go into effect on January 1, 2019, is a bipartisan, negotiated bill that will protect Illinois from a new federal rule that turns back the clock on protections for consumers with pre-existing conditions. SB1737 will limit Illinois consumers’ exposure to short-term health insurance plans which provide diminished coverage parading as a more affordable option.

The bill keeps these plans truly short term by:

  • limiting their coverage duration to 180 days,
  • requiring clear and easily understandable language on all marketing and promotional materials, and
  • giving the Department of Insurance the regulatory muscle to actually safeguard consumers against the dangers of short-term plans.

The passing of this bill is a crucial arm in ensuring that Illinoisans that were at risk of the pitfalls of skimpy plans – being sold insufficient coverage, being denied for having a pre-existing condition or experiencing higher premiums – will now have stronger consumer protections instead.

Reaction by Rep. Laura Fine:

I am proud that the Illinois General Assembly voted to support SB1737. I was very concerned about Illinoisans with pre-existing conditions who were at risk of ending up in a short-term, limited duration health insurance plan and being left exposed to lack of care and exorbitant out of pocket medical costs in 2019 and beyond. This is a strong step to making sure we are prioritizing Illinois residents receiving access to comprehensive care, not skimpy plans that put them at financial and medical risk.

Reaction by Sen. Heather Steans:

Short-term health insurance plans can hurt consumers by not providing full medical coverage and leaving patients with high medical bills. The Short-Term Limited Duration Health Insurance Coverage Act is about protecting consumers and the insurance Marketplace in Illinois. By choosing to expand these shoddy plans, it is clear that the Trump Administration does not have consumers’ best interest at heart, so as a state we need to step up and protect patients from enrolling in plans that won’t cover their expenses. I applaud my colleagues in the Illinois General Assembly for putting Illinois’ consumers top of mind and establishing strong consumer protections against these skimpy plans.

Illinois now joins a list of states leading the way in taking action to combat the Trump Administration’s efforts to undermine the Affordable Care Act by promoting these low-quality plans that fail to cover basic health services and leave consumers in jeopardy of expensive medical bills.

Protect Our Care Illinois looks forward to working diligently to ensure this bill is implemented and that consumers statewide are aware of their new protections. We thank our robust network of statewide and national grassroots, legislative, and policy partners that helped secure this victory for Illinoisans. Thank you for your energy and passion. You are a testament that together we can win.

Post-Election Review and Success!

While you’re sorting through the ups and downs of the election results, we want to make sure you know that Tuesday night was a huge success for health care!

In numerous Illinois races – from the Governor’s mansion to the statehouse to Congressional districts – voters made clear that healthcare was a priority by voting for pro-health care candidates and against candidates who have opposed healthcare. At the federal level, voters in Idaho, Utah, and Nebraska approved ballot measures to expand Medicaid to cover uninsured low-wage adults while Maine and Kansas elected governors who are expected to pass Medicaid expansion. As exit polls demonstrated, health care was the wave in this election.

With the Democrats taking control of the U.S. House as of January 2019, legislation to slash Medicaid or end protections for pre-existing conditions will be stopped dead in its tracks. We celebrate the Herculean efforts of our grassroots partners and organizers across the state: YOU made it crystal clear that voters in Illinois and our nation have had enough of the war on healthcare.

While we applaud Tuesday’s healthcare results, we know there is plenty of work to be done to mobilize the energy, passion, and the moment of opportunity created by this election. Public consensus and support for the Affordable Care Act and Medicaid has never been higher. However, the electorate wants a continued commitment to not only safeguard their healthcare, but improve it — making it more affordable, and available to more people.

So, what’s next in Illinois?

1) Help regulate short term health insurance plans in Illinois and #StopJunkInsurance! Reach out to your IL House and Senate members during veto session for the Illinois General Assembly beginning November 13th to help secure a YES Vote. Sign up to take an assignment or help out in other ways.

2) Submit your comments on the “public charge” rule to the Trump Administration to protect immigrant families including safeguarding prenatal care, health coverage for kids, and much more! You have until December 10th. Send comments here: https://protectingimmigrantfamilies.org/#take-action-form

3) Get the word out that the deadline to sign up for health insurance in the 2019 Marketplace is Dec. 15th. Free, local help is still available around the state, thanks to dedicated assisters who help Illinoisans sign up for insurance. Last year, 8 out of 10 people got help paying for their health plan in the Marketplace. Spread the word with these outreach materials in 7 different languages!

We encourage you to celebrate the health care progress that we witnessed this week — and then get ready to keep fighting! Together we can win.

Rauner Administration is in Lockstep with Trump Administration’s New Guidance which Will Weaken Pre-existing Conditions Protections for State Residents

Effective immediately, the Trump administration issued new guidance for states seeking “state innovation waivers” under Section 1332 of the Affordable Care Act. This proposal is another example of the Administration working to sabotage the Affordable Care Act, allowing “increased flexibility” for states wanting to diminish their ACA marketplace and undermine protections for people with pre-existing conditions.

Under this new federal guidance, states are also no longer bound by a requirement that they cover the same amount of people as the ACA currently does in their state, leaving more Illinoisans at risk of being left without coverage. These changes could also allow states to use federal subsidy dollars to divert people from purchasing quality coverage on the Marketplace and into buying risky junk insurance, forcing those with pre-existing conditions to bear all of the risks of a destabilizing market.

Not surprisingly, Governor Rauner’s administration is embracing the Trump Administration’s new guidance under the premise of “more affordable choices.” However, we know that this is a false choice: skimpier plans just means that health care consumers will have to bear higher medical debt in the future and people with pre-existing conditions will have no choice at all — just higher premiums.

This new Section 1332 guidance is the opposite of what Protect Our Care Illinois tried to accomplish with legislation this session: limiting short term plans and giving the General Assembly a greater say over waivers. By vetoing HB 2624, the Short-term, Limited Duration Insurance Act and HB 4165, the “Do No Harm” Health Care Act, Governor Rauner sends a clear signal that access to comprehensive care and the opportunity for public input are not priorities for this administration.

While we do not have a crystal ball to see future changes, we do have strong precedent from the Rauner Administration that leaves us fearful for Illinoisans. We’ve already seen the uninsured rate start to inch back up in Illinois due to sabotage by the federal government; now it’s up to the states to protect the health of their residents. With these two vetoes, Governor Rauner abdicated his responsibility to look out for the best interests of Illinois residents and protect our care. We urge legislators to override his vetoes in November and protect Illinois’ consumers from continued threats to health care.

Protect Our Care Illinois denounces Public Charge rule aiming to punish immigrant families further

Today, the U.S. Department of Homeland Security has proposed a new regulation that could threaten the health and well-being of millions of children and families.

“Public charge” is a test used to decide if someone can obtain a visa or a green card. The administration has proposed a new definition of public charge that would block immigrant families from having a permanent, secure future in the United States. Under the new rule, immigrants who legally access health care, safe housing and healthy food programs could be denied admission to the country or refused a green card. The proposed rule also makes clear that earning low wages, having children, or dealing with a medical condition could be held against immigrants seeking a permanent future in the United States.

Experts warn that the plan would worsen hunger, unmet health needs, and other problems by making immigrant families — including families with children — afraid to get the help they need. Protect Our Care Illinois urges the Trump Administration to rescind its public charge proposal immediately.

It’s not final yet—but the clock is ticking. Federal law requires that the administration give the public an opportunity to comment on this expansive proposal until December 10, 2018. Take a few minutes now to post a public comment decrying this inhumane attack on the health and wellbeing of countless families, communities, and children at bit.ly/submitcomment. Commenters will not be required to give their address or divulge their immigration status. Advocates will post updates on www.protectingimmigrantfamilies.org, as available.

We need to move swiftly. Protect Our Care Illinois will submit public comments opposing the proposal, and we urge organizations and individuals across Illinois to speak out against this deplorable rule by submitting a public comment before the December 10th comment deadline.

 

Gov. Rauner, stop preventing Illinoisans’ access to quality healthcare!

Protect Our Care IL is deeply disappointed in Governor Rauner’s veto of two bills that would have protected Illinoisans against inadequate coverage and diminished access to care.  By vetoing HB 2624, the Short-term, Limited Duration Insurance Act and HB 4165, the “Do No Harm” Health Care Act Governor Rauner is sending a clear signal that access to comprehensive care and the opportunity for public input are not priorities for this administration.

HB 2624 was a bipartisan, negotiated bill that would have protected Illinois consumers from a new federal rule that turns back the clock on protections for consumers with pre-existing conditions. HB 2624 would have limited Illinois consumers’ exposure to short term health insurance plans which provide diminished coverage parading as a more affordable option. The bill would have kept these plans truly short term by limiting their coverage duration in a year, requiring clear and easily understandable language on all marketing and promotional materials, and giving DOI the regulatory muscle to actually protect consumers against these plans. With Governor Rauner’s veto, Illinoisans are now at risk of being sold stingy coverage that denies anyone with a pre-existing condition and will drive up premiums for everyone by pulling healthy, young individuals away from the marketplace.

Reaction by HB 2624 sponsor Rep. Laura Fine:

I am deeply disappointed with Governor Rauner’s veto of HB 2624. I remain very concerned about Illinoisans with pre-existing conditions who will end up in a short-term, limited duration health insurance plan and be left exposed to lack of care and exuberant out of pocket medical costs in 2019 and beyond.

HB 4165 would have ensured that the members of the General Assembly and the constituents they represent had input in a public process if any Illinois Governor decided to use a federal waiver to reduce healthcare access and treatment. In the last 6 months alone, we have seen Governors in many other states take up the Trump administration’s offer and encouragement to apply for federal waivers to restrict access to healthcare of its lowest income residents. The Do No Harm Healthcare Act would have given members of the IL General Assembly the power to provide a critical check and balance to review any attempts to weaken or reduce our healthcare. Unfortunately, with Governor Rauner’s veto, Illinois is similarly vulnerable to any upcoming attacks.

Reaction by HB 4165 sponsor Rep. Greg Harris:

Gov. Rauner’s veto of HB 4165 undermines sound policy and risks access to high quality comprehensive health care for all Illinoisans.  Rather than commit to public input, vetoing HB 4165 allows the Governor unchecked power to issue waivers that could let insurance companies drop your coverage for maternity care, substance abuse and mental health treatment, and prescription drug coverage, or to charge sky high rates to people with pre-existing conditions. We are seeing our heath care being treated like pawns in a game, moved not for the people who need healthcare, but by the insurance companies who profit from it.

We’ve already seen the uninsured rate start to inch back up in Illinois over the last few years due to sabotage by the federal government; now it’s up to the states to protect the health of their residents. With these two vetoes, Governor Rauner has abdicated his responsibility to look out for the best interests of Illinois residents and protect our care.

Protect Our Care Illinois urges Governor Rauner to sign HB 2624 in the wake of today’s action by the Trump Administration

Today, the Trump Administration continued its summer of sabotage of the health insurance marketplace by finalizing a rule to allow the sale of short-term health insurance with renewability of up to 3 years – essentially offering a shadow market to the comprehensive plans offered by the Affordable Care Act (ACA). While touted as an affordable option, these plans are cheap for a reason: they lock out people with pre-existing conditions and for those “healthy” individuals who are able to buy coverage, they exclude prescription drugs, maternity care, mental health coverage and even treatment of injury resulting from playing organized sports.

Fortunately, Governor Rauner has the opportunity to stop this rule from harming Illinois residents. A bill sitting on his desk – HB 2624 – limits the sale of short term health plans in Illinois to 180 days in any given year and would eliminate confusion by requiring insurers who sell these plans in Illinois to have clear, plain language on all sales and marketing materials.

Without action at the state level, the new rule will entice healthy individuals to purchase these inadequate plans and result in higher premiums or coverage denial for 5 million individuals in Illinois with illnesses and pre-existing conditions. According to the Urban Institute, this rule along with the elimination of the penalty for not having health coverage, would mean an estimated premium increase of 20% for Illinois consumers. In addition, 327,000 more Illinoisans would lack comprehensive health coverage, because they will either become uninsured or will end up in short-term plans rife with limitations, exclusions, and missing benefits.

Illinois should establish reasonable limits and consumer protections for short-term plans. Please join Protect Our Care Illinois in urging Governor Rauner to sign HB 2624 which will help protect Illinois consumers from financial hardships caused by the federal government’s new rule.

Trump Administration Slashes Funding to Help Families Enroll in Health Insurance

The Trump administration announced a drastic $26 million funding cut on Tuesday for programs that provide in-person assistance to help people enroll in health insurance coverage.  This announcement represents a cut of over 80% of funds in previous years along with other actions taken by the Administration to undermine the program, including removing navigator duties from trusted community and state-based organizations that know the populations they serve best, and placing them in the hands of entities that are not physically located where people who need coverage live and work. Navigators are intended to provide a vital service, offering clear, unbiased information for people to understand their insurance options, to receive financial assistance, and ultimately to enroll in and use their plans through health insurance marketplaces.

The Trump Administration cited last year’s open enrollment as the “most cost effective and successful open enrollment to date,” stating the visibility and familiarity of the Exchange diminishes the needed for federally funded Navigators.  We believe credit should be given where credit is due: the success of last year’s open enrollment was due to Navigators, certified application counselors, volunteers, and healthcare advocates across the country that employed Herculean tactics to stave off the Trump Administration’s persistent sabotage. Navigators, in particular, assist the most difficult-to-enroll populations across our state and have made the ACA a reality in every corner of our state, from the multicultural communities of Chicago to the most rural and isolated communities across Illinois.

Consumers need trusted and unbiased assistance that will not steer them into non-compliant plans that may hurt them by not covering pre-existing conditions or failing to include the ACA’s essential health benefits.  Given the continued attacks on health care, including federal rules allowing the resurgence of low-cost, junk health insurance plans, such as association health plans and short-term plans, consumers looking for good, comprehensive coverage could be easily confused. This is a time when consumers need more help to understand the insurance options that are available to them—not less.

We call on Illinois’ Members of Congress to denounce the Trump Administration’s latest moves to undermine affordable, quality coverage for millions of Americans and provide a fast remedy to this situation and require funding for a robust, community-based enrollment assistance effort.

POC-IL Statement: Affordable Care Act Repeal

Earlier this week, Senator Rick Santorum (R-PA), along with representatives from conservative think tanks, released a new plan to repeal the Affordable Care Act (ACA). Like last year’s repeal bills, this new repeal plan would have severe negative effects on health insurance coverage, access to care, and the health and financial security of millions of Americans. The repeal plan would eliminate the ACA’s Medicaid expansion for low-income adults, lead to sharply increased health care costs for millions of moderate-income individual-market consumers – many of whom are vulnerable older adults – and eliminate consumer protections that are crucial for people with pre-existing health conditions. This repeal bill, like the ones before it, jeopardizes health coverage for millions of individuals and families across Illinois.

To fuel the fire, this attack on the ACA comes on the heels of the Federal Administration’s release of a final rule that allows the expanded sale of “association health plans.” The rule allows employers and associations to skirt the ACA rules and sell junk health insurance plans that don’t meet the consumer protections of the ACA. This will make coverage for people with pre-existing conditions unaffordable while further destabilizing the ACA marketplaces by segregating people who are sick or have pre-existing conditions into separate costly health care markets.

Protect Our Care Illinois strongly urges Congress to reject this latest proposal and any future efforts to repeal the Affordable Care Act. As we saw last year, the American public has overwhelmingly rejected every single disastrous health care repeal proposal, and this one is no different. The repeal plan does not nothing to improve the ACA and instead resurrects unpopular ideas that will cause millions of Americans to lose health insurance coverage. Instead, policymakers should work on a bipartisan basis to improve the ACA and make health care better for all.

 

POC-IL Urges Illinois Members of Congress to Denounce Trump Administration’s Unprecedented Attack on Pre-Existing Condition Protections

Protect Our Care Illinois denounces the Trump administration’s latest and most egregious step to repeal the Affordable Care Act (ACA). The administration has decided to take the position that it is unconstitutional to stop insurance companies from denying or dropping coverage for people with pre-existing conditions like cancer, asthma, HIV or diabetes. As a result, the U.S. Department of Justice went to court last week and demanded the repeal of the ACA’s protections for people with pre-existing conditions.

If the Administration gets their way and you are one of over 5 million Illinoisans who has a pre-existing condition, your protections will disappear. Insurance companies will once again be allowed to deny you coverage or hit you with exorbitant medical bills and push you into bankruptcy.

We urge the Illinois Congressional delegation to speak out against the Administration for abandoning its constitutional responsibilities to defend the law of the land and to protect the millions of constituents in Illinois who will be hurt by this unprecedented and devastating decision.

Protect Our Care Illinois Denounces the Trump Administration’s Proposal to Bring Back Junk Insurance

The Trump Administration’s proposal that extends short-term health insurance plans to almost 12 months, rolls back essential consumer protections, placing individuals and families at risk for finical hardship as a result of inadequate coverage disguised as affordable insurance.

The proposed rule to extend short-term plans allows insurance plans to skirt the consumer protections in the Affordable Care Act (ACA) and offer sub par coverage that does not include essential health benefits. For example, under the proposed rules, plans in Illinois could exclude prescription drugs, prenatal care/delivery and treatment of injury resulting from playing organized sports. The rule will entice healthy individuals to purchase these cheap though inadequate plans and result in higher premiums, or coverage denial for individuals with illnesses and pre-existing conditions.

The administration claims they are offering consumers more choice, but in reality they’re raising costs for older and less healthy Americans at the expense of offering cheaper coverage to younger and healthy individuals that likely won’t be enough to cover the incredible cost of unexpected injury or illness.

Once again, the Administration is working hard to sabotage health coverage for individuals instead of stabilizing the Marketplace and helping individuals and families afford high quality, comprehensive coverage that keeps them healthy and safe guards them from the financial ruin of inadequate healthcare.

Protect Our Care Illinois will be submitting comments on this proposed rule and we suggest all Illinoisans do the same. Let HHS know you support the ACA and don’t want to see it undermined: You can submit a comment here. Public comments must be received no later than 5 p.m. Eastern time on April 23, 2018.