Tiffany Bond  🦞 🇺🇸Verified account

Not inherently good/bad, but adds complications/costs. It really isn't clear there would be any competition gains for consumers. #mepolitics

Also unclear that insurers have any desire to participate cross-state this way; my out-of-state claims seemed to annoy insurers #mepolitics

There have been premium increases & challenges keeping market places competitive, in part because they are not profitable. #mepolitics

Lack of profitability is driven by administrative efficiency (how well company works), risk pool (how many people/how diverse), #mepolitics

& subsidies (both for premiums and for services) #mepolitics

This EO's solution is AHPs, STLDI, and HRAs. I'm not a health insurance expert, so I'll do my best with these. #mepolitics

AHPs seem to be good & bad. They can provide self-employed/small employers (huge part of Maine) access in different ways. #mepolitics

This would provide those folks access to potentially less expensive insurance, but make the risk pools they leave less stable. #mepolitics

This creates different winners/losers, but tough to tell if there is a net gain. There would probably be a short term gain to #mepolitics

those who move, a short term loss to insurers. Everything would re-balance a year or so out, more $ pp into exchange...somehow. #mepolitics

A better choice might be to open up MaineCare to businesses/individuals to buy in. That would expand the state's risk pool. #mepolitics

STLDI plans are generally worse than current ACA plans, though they may be less expensive...because they cover less. #mepolitics