[20180920]IN10969_针对先前存在健康状况的个人的私人健康保险中的消费者保护.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i Consumer Protections in Private Health Insurance for Individuals with Preexisting Health Conditions name redacted Specialist in Health Care Financing Updated September 20, 2018 Individuals with preexisting health conditions may have concerns about practices in the private health insurance market in which insurers use medical underwriting to assess their risk of offering health insurance to applicants. Before full implementation of the Affordable Care Acts (ACAs; P.L. 111-148, as amended) insurance reforms, subject to certain exceptions, insurers generally were permitted to consider health factors in determining the offer of insurance, its price, and covered health services. Although references to individuals with preexisting conditions commonly focus on the possibility of denial of insurance, they also pertain to the offer of insurance that is more expensive on the basis of health factors and to insurance that excludes health services to treat preexisting conditions. Current Law Current federal law prohibits those insurer practices from most (but not all) private health plans. Guaranteed issue, adjusted c