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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.
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.
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.
This Health Policy 101 chapter explores the complex landscape of private health insurance regulation in the United States, detailing the interplay between state and federal regulations that shape access, affordability, and the adequacy of private health coverage. It focuses on key laws such as the Affordable Care Act (ACA) and the Employer Retirement Income Security Act (ERISA), and discusses how regulations impact the private insurance market, illustrating the challenges consumers face in navigating this system.
Health Policy 101 is a comprehensive guide covering fundamental aspects of U.S. health policy and programs, including Medicare, Medicaid, the Affordable Care Act, employer-sponsored insurance, the uninsured population, health care costs and affordability, women's health issues, and health care politics. It includes overviews of private health insurance regulation, racial and ethnic disparities, international comparison of health systems, U.S. global health policy, and the federal role in health policy. The chapters can be downloaded in a PDF format for faculty and student use, and the information will be updated annually or as data and circumstances change.
Under the Affordable Care Act, most private health insurance plans are required to cover birth control methods approved by the FDA without out-of-pocket costs. But not all plans are doing this, Bernie Sanders declared in a letter.
More than two in five (42%) or 57.4 million adults under 65 with private insurance could be eligible under clinical criteria for GLP-1 drugs used to treat people with type 2 diabetes, obesity, or excess weight and weight-related health issues, according to a new KFF analysis. Though only about 3% of adults with employer coverage<span class="readmore-ellipsis">…</span><a href="https://www.kff.org/health-costs/issue-brief/how-many-adults-with-private-health-insurance-could-use-glp-1-drugs/" class="see-more light-beige no-float inline-readmore">More</a></p>