What Should Health Insurance Cover?

This is a basic health reform question, and one knock against the ACA has been that the benefits are too generous, which drives up the cost of premiums. This WSJ piece provides a good overview of the issue (and tradeoffs), and has a nice graph showing what proportion of individually sold insurance plans included benefits that are required by the ACA. Changes to the benefits required in the ACA could be made via rulemaking (the law describes categories of benefits that were detailed via rulemaking), Congress could reduce benefits in some “replace” or “tweak” of the ACA, or the issue could be devolved to the states, also via a replace or tweak bill. It is easy to criticize in health reform, but improvements are hard, because of the tradeoffs.

benefits-2-02-17

 

 

About Don Taylor
Professor of Public Policy at Duke University (with appointments in Business, Nursing, Community and Family Medicine, and the Duke Clinical Research Institute). I am one of the founding faculty of the Margolis Center for Health Policy, and currently serve as Chair of Duke's University Priorities Committee (UPC). My research focuses on improving care for persons who are dying, and I am co-PI of a CMMI award in Community Based Palliative Care. I teach both undergrads and grad students at Duke. On twitter @donaldhtaylorjr

One Response to What Should Health Insurance Cover?

  1. Pingback: Health Policy Updates: February 5 2017 | Wonkologist.com

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