Health Insurance Reforms: Once in a Lifetime Change or Same as it Ever Was?

National Association of Elder Law Attorneys Journal, Forthcoming

19 Pages Posted: 6 Nov 2010  

Lucinda Jesson

Hamline University - School of Law

Date Written: November 4, 2010

Abstract

In this article, we consider how the Patient Protection and Affordable Care Act of 2010 (PPACA) will change the nature of health insurance. To do so, we begin with a discussion of private health insurance basics: what is insurance and how is it regulated today? We then consider the overall health reform package with particular emphasis on the role insurers play in the quest to expand access to quality care while controlling costs. We examine the game-change which looms in 2014: the institution of insurance exchanges combined with promises of guaranteed issue and an individual mandate. Next, we review the underwriting and consumer protection reforms built into PPACA. With this backdrop, we look into the crystal ball to consider whether health reform will, indeed, change the nature of insurance.

Suggested Citation

Jesson, Lucinda, Health Insurance Reforms: Once in a Lifetime Change or Same as it Ever Was? (November 4, 2010). National Association of Elder Law Attorneys Journal, Forthcoming. Available at SSRN: https://ssrn.com/abstract=1703103 or http://dx.doi.org/10.2139/ssrn.1703103

Lucinda Jesson (Contact Author)

Hamline University - School of Law ( email )

1536 Hewitt Avenue
Saint Paul, MN 55104-1237
United States
651-523-2519 (Phone)
651-523-2236 (Fax)

HOME PAGE: http://www.hamline.edu/law/health

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