Top Democrats Raise Alarm Over Reports of Junk Insurance Plans Putting Consumers at Risk
Top
The letters were signed by House Energy and Commerce Ranking Member
The
"We are writing to express concern regarding recent reports of companies offering products on the individual market that may not comply with federal law, and which appear to put consumers at great financial risk," the
The
"Recent reports indicate that your company is avoiding or ignoring [federal] requirements under the ACA by offering "skinny plans" that claim to be ACA-compliant, but do not offer the same consumer protections required for plans sold in the individual market," the
As part of their inquiry, the
* Does your company sell any individual plans that do not comply with required consumer protections under federal law, such as the essential health benefits package, annual and lifetime out of pocket limits, and prohibitions on rescissions of coverage and coverage denials based on preexisting conditions?
* Please provide a written explanation of how your products are not insurance and therefore you are exempt from state laws governing the regulation of insurance and licensure.
* Have you received complaints from consumers who enrolled in one of your plans and then discovered it does not offer comprehensive coverage for basic healthcare services?
Letter to NAIC available HERE (https://democrats-energycommerce.house.gov/sites/democrats.energycommerce.house.gov/files/documents/NAIC.2017.12.19..pdf).
Letter to
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