Insurance Rate Increases and the Affordable Care Act
Insurance companies must now justify proposed rate increases for your health insurance. Director of Consumer Information and Insurance Oversight at HHS, Steve Larsen, explains this important feature of the health care law.
Review of Insurance Rate Increases and the Affordable Care Act
Hi, I'm Steve Larsen. I'm the Director of Consumer Information and Insurance Oversight here at HHS. Starting September 1 a very important provision of the Affordable Care Act takes effect. This new law requires that insurance companies justify proposed rate increases for your health insurance. The new law also requires that independent experts and regulators, either in the state or at HHS review proposed increases for your health insurance to make sure those increases are reasonable and based on reasonable assumptions. We know from past experience that in some cases, when companies raise their rates, it's not always a reasonable increase. Also part of the new law is a requirement that companies provide a clear consumer disclosure form, so that you can understand why they are proposing a rate increase and what factors are contributing to that increase. This information is available on HealthCare.Gov.
NOTE: The transcript for this program may have been compiled from uncorrected Closed Captioning.
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