Will every state go its own direction with ACA?
Michigan’s decisions about health insurance exchanges, which open October 1, 2013.
Every state will have a Health Insurance Marketplace. However, each state can choose how it will operate. States can create and run their own Marketplace, or have a Marketplace supported by the Department of Health and Human Services (HHS). States may also choose to partner with HHS to run some functions of their Marketplace. To find information about Michigan’s decision, go to http://kff.org/health-reform/state-profile/state-exchange-profiles-michigan/
For the past several years, States across the country have received federal grants to establish their Exchange. Use the map at http://www.cms.gov/cciio/resources/marketplace-grants/index.html to find Michigan’s allocation.
Plans on each state Exchange will be required to meet a minimum set of standards for the benefits. The private company plans offered in the Exchanges will be a competitive “one-stop-shop”. Insurers will offer four levels of coverage that vary based on premiums, out-of-pocket costs, and benefits beyond the minimum required plus a catastrophic coverage plan.
One responsibility in every state is to provide customer assistance with education to enable consumers to choose among health insurance plans. This includes providing accurate and impartial information about premium and cost sharing subsidies available for all plans offered, referrals regarding grievances, complaints or questions, and culturally, linguistically appropriate, and accessible assistance by persons with disabilities. Read more at http://kaiserfamilyfoundation.files.wordpress.com/2013/04/8434.pdf
Yes, there will be some differences between states with the health insurance exchanges. However, they will also be regulated to comply with federal Affordable Care Act guidelines.
Michigan State University Extension is involved with a national Extension effort to provide information and education about choosing health insurance. To follow the progress or ask a question, check out the many ways: