PUBH 3135W Lecture Notes - Lecture 5: Health Insurance Mandate, Reproductive Health, Moral Hazard
Document Summary
2010 health reform law: (obamacare:title 1) patient protection and affordable care. Overarching idea: increase coverage and access to insurance (affordable) Self insured or small group markets: inaccessible insurance(too expensive, pre- existing conditions) : uninsured (disproportionate burden) Cost shifting: when one doesn"t pay or pay less than the cost of, the provider shifts the cost by providing other more to make up the loss. Only allowed to vary premiums based on age, geographic area, tobacco use and family members. No lifetime limits and can"t rescind coverage. Young adults can stay parents" plan up to age 26. Ensure quality of insurance: more comprehensive/valuable and expensive to provide. Young adults stay on parents" plan up to 26. Waiting period for coverage limited to 90 days. Adult preventive services to be covered by private plans without cost sharing. Ex: cancer, chronic conditions, immunizations, healthy behaviors, pregnancy related, reproductive health. Individual mandate: require individuals to have insurance to offset sick individuals.
