News

The Consumer Representatives to the NAIC individually and collectively produce research, analysis, educational materials, comment letters, and other materials that help inform the work of state insurance regulators and other stakeholders. Many of these products are included below. We hope this information is helpful to regulators as they work to protect consumers and advance health equity; consumer health advocates working in individual states; media covering consumer issues in health insurance; and other audiences.

Consumer Representatives to the NAIC Call for Regulators to Shore up ACA Preventive Services Protections

SEATTLE, WA – The Consumer Representatives to the National Association of Insurance Commissioners (NAIC) released a report today identifying significant gaps in insurance plan compliance with the Affordable Care Act’s (ACA’s) preventive services coverage and cost-sharing protections. The report assessed challenges in access to a subset of ACA preventive services: smoking cessation, pre-exposure prophylaxis (PrEP) for the prevention of HIV, colorectal cancer screening, and postpartum depression screening. Based on a sample review of six plans

Consumer Representatives explore discrimination & bias across insurance products in new report to the Nat’l Association of Insurance Commissioners

Columbus, OH (August 16, 2021) – A report commissioned by the consumer representatives to  the National Association of Insurance Commissioners (NAIC) finds that disparities and bias are  common challenges that consumers face across insurance products. The report summarizes  findings from a survey of consumer-serving non-profit organizations across the U.S. about  challenges faced by consumers in the insurance sector.  Eight in ten (79%) respondents reported that their consumers face “some” or “a lot” of  discrimination or

New Evidence that Consumers Don’t Understand that “Short-Term” Health Plans Lack Protections and Benefits, as Enrollment Rises 

ORLANDO, FL – A new report from Kleimann Communication Group shows that consumers face  significant challenges in understanding short-term plan coverage benefits and limitations. This lack of  understanding—especially when coupled with insurers’ aggressive marketing of short-term plans— raises concerns that some consumers are inadvertently enrolling in short-term plans when doing so  may not be appropriate for their health needs or financial situation.   The report, commissioned by a group of consumer representatives to the National Association

Report by Former State Regulator Details Damage of Health Plans That Don’t Meet Affordable Care Act Standards; Emphasizes Need for State Oversight

NAIC Consumer Representatives Release Expert Report in Wake of Proposed Regulations  Allowing Non-ACA Compliant Plans  MILWAUKEE, WI – On March 23, 2018, a group of consumer representatives to the National  Association of Insurance Commissioners (NAIC) released a new report on the risks of health  coverage that does not comply with the Affordable Care Act’s consumer protections.   The report discusses concerns about association health plans and short-term plans–both of which  would expand under recently proposed federal

Former Regulator Highlights Risks of Non-ACA Health Plans, Calls for State Oversight

MILWAUKEE, WI – On March 23, 2018, a group of consumer representatives to the National Association of Insurance Commissioners (NAIC) released a new report on the risks of health coverage that does not comply with the Affordable Care Act’s consumer protections. The report discusses concerns about association health plans and short-term plans—both of which would expand under recently proposed federal rules—as well as health care sharing ministries and transitional plans. Oversight by state insurance departments