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larry_levitt's profile
Larry Levitt
Larry Levitt
Larry Levitt
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@larry_levitt

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Larry LevittVerified account

@larry_levitt

Executive Vice President for Health Policy, @KFF (Kaiser Family Foundation). Cal Bear.

Oakland, CA
kff.org/person/larry-l…
Joined June 2009

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    Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

    A new bill would require insurers to guarantee access for people with pre-existing conditions and prohibit premiums based on health. But, it would allow insurers to exclude any coverage of the pre-existing conditions. A bit of a catch. https://www.tillis.senate.gov/public/_cache/files/b1fd0e9e-400a-4ddf-99e6-a8bb68dfd7f7/tam18a35.pdf …

    8:55 AM - 24 Aug 2018
    • 891 Retweets
    • 895 Likes
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    178 replies 891 retweets 895 likes
      1. New conversation
      2. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        This new Republican bill would prohibit insurers in the individual market from varying premiums based on health. But, premiums could vary based on age, gender, occupation, or leisure activities. Small business premiums could vary based on the health of their workers.

        11 replies 164 retweets 238 likes
        Show this thread
      3. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        So-called "pre-existing condition exclusions" were common in individual market insurance policies before the ACA, and are also typical in current short-term policies. The new Republican bill would allow them, making guaranteed access to insurance something of a mirage.

        15 replies 225 retweets 341 likes
        Show this thread
      4. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        It's remarkable how much the ACA has changed the debate over protecting people with pre-existing conditions. Everyone now cares about pre-existing conditions. But, insurance is complicated and the details matter a lot in how real the protection is.

        4 replies 99 retweets 242 likes
        Show this thread
      5. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        Here's an example of a pre-existing condition exclusion, which would be permitted under the new Republican bill.pic.twitter.com/klX7pgynH4

        8 replies 199 retweets 188 likes
        Show this thread
      6. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        Before the ACA, I saw examples of body parts or systems being excluded from coverage for people with pre-existing conditions. For example, an insurer might offer someone with asthma coverage, but exclude any services associated with the respiratory system.

        5 replies 120 retweets 222 likes
        Show this thread
      7. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        I'll get a little wonky now to explain why this new Republican bill would allow pre-existing condition exclusions, making protections for people with pre-existing conditions something of a mirage.

        4 replies 75 retweets 151 likes
        Show this thread
      8. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        HIPAA limited pre-existing condition exclusions in employer plans to 12 months, and reduced any exclusions for people with continuous coverage. HIPAA did not limit exclusions for people with individual coverage.

        2 replies 45 retweets 101 likes
        Show this thread
      9. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        The ACA amended the HIPAA pre-existing condition exclusion language, prohibiting exclusions entirely in employer and individual plans. See 300gg-3.

        3 replies 49 retweets 112 likes
        Show this thread
      10. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        The Trump administration is arguing in the Texas lawsuit that a bunch of ACA provisions should be invalidated, including 300gg-3, which prohibits pre-existing condition exclusions. The new Republican bill does not reinstate this provision.

        2 replies 123 retweets 142 likes
        Show this thread
      11. Larry Levitt‏Verified account @larry_levitt 24 Aug 2018

        Before the ACA, many states limited the length of pre-existing condition exclusions in the individual market to between 6 and 36 months. Others had no limit.https://www.kff.org/other/state-indicator/individual-market-portability-rules/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D …

        9 replies 66 retweets 105 likes
        Show this thread
      12. Larry Levitt‏Verified account @larry_levitt 27 Aug 2018

        27% of non-elderly adults had a pre-existing condition that would have led to a denial of insurance in the individual market before the ACA. Here are examples of those conditions, and how medical underwriting worked before the ACA prohibited it. https://www.kff.org/health-reform/issue-brief/pre-existing-conditions-and-medical-underwriting-in-the-individual-insurance-market-prior-to-the-aca/ …pic.twitter.com/FKHnHKG5iM

        4 replies 25 retweets 14 likes
        Show this thread
      13. End of conversation

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