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Health insurance is an important part of a person's overall health and financial security. It can provide financial protection against the cost of medical care, help pay for preventive care and protect individuals from the financial consequences of unexpected illness or injury. With the rising cost of health care and the growing number of uninsured Americans, private health insurance is becoming increasingly important. Here you will find news and articles about private health insurance, including coverage options, cost and benefits. You can also watch videos to learn more about private health insurance and find out what's available in your state.
The Affordable Care Act (ACA) requires new private health insurance plans to cover many recommended preventive services without any patient cost-sharing. This tracker presents up-to-date information on the adult preventive services nongrandfathered private plans must cover, by condition, including a summary of the recommendation, the target population, the effective date of coverage, and related federal coverage clarifications.
The emergency declaration gave the federal government flexibility in waiving certain rules affecting health care, including Medicare, Medicaid, and private health insurance, and gave free access to COVID-19 vaccines, testing, and treatments.
The U.S. Food and Drug Administration recently approved Opill—the first over-the-counter daily oral contraceptive pill in the United States. Beginning in early 2024, people will be able to purchase Opill without a prescription, expanding options for contraceptive access across the country. While federal policy requires most private health insurance plans and Medicaid expansion programs to<span class="readmore-ellipsis">…</span><a href="https://www.kff.org/womens-health-policy/event/will-insurance-cover-over-the-counter-contraceptive-pills/" class="see-more light-beige no-float inline-readmore">More</a></p>
This report is based on 35 structured interviews conducted from January to August 2023, with nearly 80 experts and key players such as pharmacists, health plans, and state Medicaid officials involved in the coverage and provision of OTC contraception in seven states with one or more of these coverage approaches (IL, NJ, NM, NY, OR, UT, and WA). It discusses the challenges and successes in coverage under private health insurance and Medicaid and reviews policy options for operationalizing insurance coverage of non-prescribed OTC contraception such as Opill.
With federal regulators seeking public input on the potential benefits, costs, and implementation considerations of requiring private health insurance plans to cover over-the-counter preventive products without a prescription, a new KFF post explores the issues relevant to covering over-the-counter contraceptives. These contraceptives include Opill, the first daily oral contraceptive pill to receive FDA approval for<span class="readmore-ellipsis">…</span><a href="https://www.kff.org/private-insurance/press-release/kff-examines-key-considerations-for-the-implementation-of-insurance-coverage-for-over-the-counter-contraceptives/" class="see-more light-beige no-float inline-readmore">More</a></p>
In October 2023, the Departments of the Treasury, Labor, and Health and Human Services issued a request for information to gather public input about the potential benefits, costs, and implementation considerations of requiring private health insurance plans to cover OTC preventive services and supplies without a prescription. This policy watch addresses key considerations for the implementation of insurance coverage for non-prescribed OTC contraceptives based on the lessons learned from KFF’s 2023 study of Insurance Coverage of OTC Oral Contraceptives.