“Junk plans are failing Americans when they need health care the most. It is unconscionable that insurance brokers are allowed to prey on the vulnerable and force them to pay out of pocket for care like prescription drugs and maternal health. As our nation moves toward pandemic recovery, comprehensive and affordable health care is more essential than ever,” said
“Junk health plans continue to plague our market. When we passed the Affordable Care Act, we put in place fundamental protections for Americans against discrimination and higher costs. Junk health plans continue to discriminate on the basis of things like age, gender or a pre-existing condition. These plans take money from consumers but do not provide adequate coverage when they need it most. I am proud to join my colleague, the deputy
Certain forms of insurance coverage, known as “excluded benefits,” are exempt from many federal law requirements, including protections for pre-existing conditions under the ACA. These plans, also known as “junk plans,” are not required to provide comprehensive coverage, such as mental health and addictions coverage, prescription drugs, preventative services, and home care. maternity and newborn. Excluded benefit plans such as indemnity plans may discriminate against individuals based on pre-existing conditions or medical conditions, may impose annual or lifetime limits, and do not require cap consumers’ annual out-of-pocket spending.
The Protecting Patients Against Deceptive Health Plans Act ensures that insurance companies can no longer discriminate against people with pre-existing conditions by requiring policies treated as excepted benefits to be paid regardless of the condition, injury, diagnosis or other treatment-related characteristics. In addition, the legislation would also require that these limited plans be sold only to consumers already enrolled in comprehensive care who meet minimum essential coverage requirements.
The Protecting Patients from Deceptive Health Plans Act is approved by the
“On behalf of the more than 1.5 million Americans living with a diagnosis of blood cancer, the