Next Commercial Health Insurance Policies and Programme

The bill for the reform of health insurance, which is distributed in the Campidoglio, aims to improve access to health insurance policies through the establishment of "health insurance exchanges" or "gateways" (exchanges) at the state or local level.  

Qualified individuals and SMEs can purchase health insurance offered by an exchange participant or, if provided, a change in public plans.
Main advantages:The published on June 19, 2009 draft "Three Committees" requires a qualified plan to provide medical services to cover "important" services through a defined benefit package, with the obligation to cover the premium depends on the sponsors plan can opt for a pension scheme including additional services such as eye care.

The Senate bill, which has been amended by the Democrats of the HELP committee, allows you to issue a health plan that is entitled to "important" services under a subscription to one of the three options distribution of costs to sponsor. The state can demand that these plans offer additional benefits.
   
Sponsor of a qualified health insurance:Both measures suggest that individuals (including health insurance and healthcare organizations) participate in the exchange by sponsoring a qualified health insurance policy.

The bill 'House of Representatives' states that offers must be made with selected organizations that have a minimum annual contract to make a replacement plan. The Senate bill is the participation of "certified" allow sponsors who "choose" the plan under which "meets the interests of qualified individuals and qualified employers" who are responsible for sharing person.

Included in the betFor health professionals will determine whether health care is part of the "important" services that are identified for these health services, and the conditions for participation (including payments) are important.

For health units and other controlled by the Company bodies the duty to participate in the exchange, including participation in the registration requirements for all registered persons and participation in the mechanisms established risk sharing for the exchange, is an important matter. Possibility to offer significant benefits (and actual additional benefits) that are affected by the offer at a reasonable price.The role of public planning options will be important for potential participants.

Steps to followBoth measures provide generic parameters for the definition of "mandatory" benefits that define the requirements for network operators and the introduction of eligibility criteria for health care providers. 

 The details, however, arise from the requirements of the final act, but may be taken into account in the preparation of the administrative provisions.