{"bills":[{"photos":{"featured":"https://assets.causes.com/bill/photo/s1213-116/featured_consumer-health-insurance-protection-act-of-2019-1565103466.jpg","featured_large":"https://assets.causes.com/bill/photo/s1213-116/featured_large_consumer-health-insurance-protection-act-of-2019-1565103466.jpg","shareable":"https://n.causes.com/share-images/bills/s1213-116.png"},"introduced_on":"2019-04-11","title_override":"Should Obamacare’s Health Insurance Tax Credits & Subsidies Be Expanded?","summary_override":"

This bill — the Consumer Health Insurance Protection Act of 2019 — would require health insurers which provide coverage under Medicare and Medicaid to participate in the exchanges established by the Affordable Care Act (ACA or Obamacare). Its key provisions include increasing federal subsidies for people buying ACA plans, expanding eligibility for ACA tax credits, capping premiums at 8.5% of income, ensuring plans cover essential health benefits, and imposing tighter controls on private insurers by banning short-term, limited coverage “junk” insurance plans.

Specifically, this bill would:

Require companies to live up to the same standards that are set for private insurers when they participate in Medicare and Medicaid.
Set limits on insurance company profits to match those insurers can earn in Medicare and Medicaid.
Set up an ombudsman program to track consumer complaints about insurers.
Protect against unreasonable premium increases with stronger rate review standards.
Require insurers providing coverage under Medicare and Medicaid to offer coverage on the ACA exchanges in areas with limited insurer competition.
Increase premium tax credits, expand cost-sharing reduction (CSR) subsidies, and make more families eligible for premium tax credits to guarantee that every individual on the ACA exchanges has access to a plan that covers 80% of out-of-pocket costs and costs no more than 8.5% of income in premiums.
Guarantee payment of Cost Sharing Reduction reimbursement payments (CSRs);
Strengthen protections for essential health benefits.
Require all short-term insurance products to meet ACA standards.
Block the Trump administration's regulations on association health plans.

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Healthcare is a necessary right. Dead people can’t buy or pay taxes!","argument_against":null,"show_argument_for":true,"show_argument_against":false,"upvote_count":0,"upvotes_for_count":0,"upvotes_against_count":null,"has_upvoted":false,"endorsement_count":0,"links":{"self":"https://www.causes.com/positions/73ce0696-7f9c-49d7-ae99-8386c552ef4e"},"body":"I believe that it is either that or Medicare for All! Healthcare is a necessary right. Dead people can’t buy or pay taxes!","stance":"yea","created_at":"2019-08-09T21:24:17.886Z","shareable_image_url":"https://n.causes.com/share-images/positions/73ce0696-7f9c-49d7-ae99-8386c552ef4e.png","note_color":null,"note_text":null,"bill_id":"s1213-116","user_id":"zmJ1OE5Z","endorser_ids":[]}}

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Should Obamacare’s Health Insurance Tax Credits & Subsidies Be Expanded?