The impact of a recent federal ruling on the Affordable Care Act is hard to parse. Here are the key issues to watch.
, director of the Center for Value-Based Insurance Design at the University of Michigan.
“It will depend on your employer and what they want to do, and depend on whether you have a collective bargaining agreement and a whole lot of other variables,” saidThat type of varying coverage was “exactly what the ACA was designed to get away from, in order to make this more uniform for all of us,” Rosenbaum added.
But state rules apply only to ACA plans and job-based plans offered by employers who buy coverage from an insurer. Most large employers — and a growing number of smaller ones — self-insure and are not subject to state coverage rules.Congress could resolve the matter with a simple fix to the ACA, says Fendrick, of the University of Michigan. “Give the task force recommendations approval by the secretary of the Department of Health and Human Services and it’s done,” he said.
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