This is important information that I share with my own insurance clients. If you are and agent, share this with your clients. All other readers, take note!
The Patient Protection and Affordable Care Act (PPACA) has set up the public exchange system and exchange plan premium subsidies. Other parts of the law have all but eliminated medical underwriting in the individual health insurance market.
Before PPACA came along, workers who could get jobs with health benefits could join their employers' plans without going through a direct medical underwriting process.
Now that both individual consumers and group plan enrollees can get coverage without facing direct medical underwriting, "the utilization patterns for these markets are clearly converging," Hempstead writes.
Holders of individual coverage may be using more care both because of a temporary, pent-up need for care and because PPACA rules are letting sicker people get coverage, Hempstead says. READ MORE.
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