New Report: Tillis’ Protect Act ‘Falls Far Short of Its Purported Goal,’ Would ‘Do Little to Protect People With Pre-Existing Conditions’
Under
* exclude coverage of essential health benefits -- such as maternity coverage, mental health care, and substance use treatment;
* impose annual and lifetime limits on how much they will pay out;
* sell plans with no limit on how much enrollees could owe in out-of-pocket costs if they get sick;
* charge higher premiums based on non-health factors that can strongly correlate to health risk, including gender; and,
* charge older people (most of whom have pre-existing conditions) far more, compared to younger people, than the ACA allows.
Those protections, which Tillis' bill left "on the cutting room floor," have real world implications. Someone with cancer, for example, could run out of benefits if their insurer imposes an annual or lifetime limit, or their plan might not cover the prescription medicines that treat the cancer.
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