New Health Care Rules Could Impact MississippiansBy Daniel Cherry | Published 26 Nov 2012 06:15am |
Mississippians could see some significant health benefits from new rules laid out by the U.S. Department of Health and Human Services. MPB's Daniel Cherry reports...
New guidelines from the Department of Health and Human Services, once made final, will govern states' health insurance exchanges by laying out minimum standards for what insurance companies in each state must cover. Mississippi Insurance Commissioner Mike Chaney says the new rules are the result of the federal government listening to individual states.
"The good news for the consumer is this: the regulations will not be as tough as what we thought they would be, and if you're a small employer, that means someone that employs less than 50 people, it makes it easier for you to comply with the law."
The Affordable Care Act sets minimum coverage including emergency services, healthcare for children, and preventative screenings. The new rules also prevent insurers from discriminating against people with pre-existing conditions. Commissioner Chaney says that's good news for the people needing insurance, but it's a problem for the companies that have to insure them.
"That's important to folks that are sick and think they may have trouble finding insurance. The issue for insurance companies that write insurance, in this case though, they would have to figure out a way to charge for the plans to cover folks who have enrolled at the last minute to get coverage."
While many states have declined to set up an insurance exchange and will take the federal program, Mississippi is one of 17 states that have declared they will move ahead with a health insurance exchange.
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