NAIC Consumer Representative Report: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions

Summary

Recent federal legislative and regulatory changes will result in more than 10 million people
losing either Medicaid or Affordable Care Act (ACA) Marketplace coverage over the next decade;
an additional 4 million people are expected to become uninsured because of Congress’s failure
to extend enhanced premium tax credits (PTCs). State insurance commissioners, working within
their authority and in partnership with state-based Marketplaces and other state officials, can
mitigate these harms in meaningful ways. This document outlines a set of state-level strategies
to help protect consumers’ access to affordable, high-quality coverage and access to care.

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NAIC Consumer Representative Report: Recommendations for States’ Efforts to Mitigate Harms Caused by Federal Policy Actions

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Prescription drugs
Other health
Other
Mental and behavioral health
Major reports
Long term care
Health equity
Appeals, denials, and prior authorization