Hold Insurance Companies Accountable:
1. Eliminate lifetime limits and restrictive annual limits on benefits in all new plans. (!!)
2. Prohibit rescissions of health insurance policies in all individual plans.
3. Prohibit pre-existing condition exclusions for children in all new plans. (!!)
4. Require premium rebates to enrollees from insurers with high administrative expenditures and require public disclosure of the percent of premiums applied to overhead costs.
5. Establish a process for the annual review of unreasonable increases in premiums, requiring State insurance commissioners to work with the HHS Secretary and States. (!!)
Protect Consumers:
6. Provide grants to States to support health insurance consumer assistance and ombudsman programs to help consumers.
7. Ensure consumers have access to an effective internal and external appeals process to appeal new insurance plan decisions. (!!)
8. Require all insurance plans to use uniform coverage documents so consumers can make easy comparisons when shopping for health insurance. (!!)
9. Establish an internet portal to assist Americans in identifying coverage options. (!!)
10. Prohibit insurers from discriminating in favor of highly compensated employees by charging them lower premiums.
Ensure Affordable Choices and Quality Care:
11. Provide immediate access to insurance for uninsured Americans who are uninsured because of a pre-existing condition through a temporary high-risk pool. (!!)
12. Create a temporary re-insurance program for early retirees. (!!)
13. Require new plans to cover an enrollee’s dependent children until age 26. (!!)
14. Require new plans to cover preventive services and immunizations without cost-sharing
15. Offer tax credits to small businesses to purchase coverage. (!!)
16. Facilitate administrative simplification to lower health system costs.
Source: The White House Blog
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