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Recent data indicate that a large number of enrollees didn’t access health insurance cost-sharing reductions available under the Affordable Care Act (ACA). Why did this happen? How can families get more help paying for health coverage?

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The federal government issued a new rule in February regarding the Essential Health Benefits (EHBs) that must be included in all individual and small-group health plans sold in or outside of ACA Exchanges. This blog discusses how this rule may lead to improved “habilitative” services for children with disabilities.

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Health care premiums increases have lessened in recent years but costs may again rise. Find out why this could happen and what families can do to prepare.

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Most families are familiar with managed care and understand that they have better health care coverage if they stay within their plan’s network. However, even when families go to network hospitals, they are sometimes hit with surprise medical bills. This blog describes how this can happen and what families can do about it.

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Although “national spending on health care and insurance premiums has risen at historically low rates in recent years”, the perception of families is different. Why do most families feel that the expense of health care is increasing?

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Tags : aca, financing

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The term “health disparities” means that there are differences in health outcomes for various populations, such as by race, ethnicity, gender, or socio-economic status. Children and adults with disabilities, especially those from underserved communities, may have worse health results than others. Some of these unfavorable outcomes could be prevented. This piece examines how to improve outcomes for diverse individuals with disabilities and how the ACA (Affordable Care Act) can facilitate this.

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Most Americans do not realize that their health care is subsidized. This lack of understanding has led to a basic misperception on how various health care plans are funded and unnecessary stigma associated with some plans. This blog describes how, through employer-subsidized plans, the marketplace plans, and public programs, almost everyone in the US gets help to pay for health care.

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This is the first year that taxpayers must report on their income tax form if they have health coverage. Some families just have to check a box on their tax return, others need to complete new forms, and still others can ask for a hardship exemption or pay a penalty. Find out what families need to know about how health insurance coverage effects them this tax season.

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Parents of children with special health care needs may have difficulty finding health care plans on the Marketplace due to their child’s medical complexity. There are now resources to help families find the most comprehensive health care coverage for their child. The National Disability Navigator Resource Collaborative (NDNRC) has fact sheets, including one for children with special needs (see Resources.) Other fact sheet topics cover autism, intellectual disability, and mental illness, and more are being developed. In addition, NDNRC topical sheets cover other areas of interest such as comparing plans, medications, therapies, etc. These fact sheets were developed to give more information to Navigators helping people with disabilities. Families can use these helpful tools to assist them in finding ample health care coverage for their child with special needs.

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Tags : aca, enrollment

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Insights into “network adequacy,” a term which addresses whether sufficient numbers of providers are part of an insurance plan’s network and accessible to their subscribers and "network transparency," a term which addresses how easy it is for families to find provider directories.

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