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Medicare Part D Premiums and Out-of-Pocket Limits for 2024

As we head into the Annual Election Period (AEP), there are several big changes to the Medicare Part D prescription drug program that you will want to make sure your clients know about.

Insulin Price Cap: A Step Forward for People with Diabetes

There’s been a LOT of information in the news recently about the cost of insulin. And while this is obviously important and of interest to your diabetic clients, it can be difficult to keep it all straight – what changes have merely been proposed and which ones have actually passed? As agents, it’s important to stay informed about these changes so we can answer our clients’ questions and let them know what to expect.

Medical Debt Remains a Big Issue for Consumers

In 2019, the American Journal of Public Health published the results of an analysis about bankruptcies in the United States and concluded that medical bankruptcy is still common despite the Affordable Care Act: “Despite gains in coverage and access to care from the ACA, our findings suggest that it did not change the proportion of bankruptcies with medical causes.”

Will Congress Extend the Enhanced Premium Tax Credits?

A huge question right now—one that will have a big impact on insurance agents and their clients this fall—is whether Congress will extend the enhanced premium tax credits that have been in place for the last two years.

Senate Passes Bill to Extend Subsidies, Lower Drug Costs

After a lengthy debate, and without a single Republican vote, Democrats in the Senate passed the Inflation Reduction Act, a $430 billion bill that will, among other things, extend the enhanced premium tax credits and lower drug costs.

CHIP FINALLY Gets Reauthorized

The Children’s Health Insurance Program, or CHIP, has been in the news recently as lawmakers debate the future of this popular safety net program for children of lower-income families. The program, which has been around since 1997, has enjoyed nearly universal bipartisan support from the beginning, but that support has come into question recently as Congress allowed funding for CHIP to expire four months ago and seemed to be in no hurry to reauthorize it. As worried parents waited to see what our lawmakers would do, CHIP reauthorization took a back seat to tax reform.

Congress Votes to Preserve Definition of Small Group

One of this fall’s “hot topics” highlighted in this month’s AHCP newsletter, was the definition of small group for purposes of the plan design and rating rules and how it varies and may change. One such change is that brought about by the Affordable Care Act. Starting in 2016, companies with 100 or fewer employees will be considered small employers and be subject to the essential benefits requirement and the modified adjusted community rating rules. Currently, every state sets the cutoff at 50 employees, rather than 100.

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