ISAHU | Illinois State Association of Health Underwriters

Public Policy & Legislation

Federal Issues

HSA Insider has published the fifth edition of HSA Road Rules. The updated edition, designed for both employers and employees, includes all the new changes from the Tax Relief and Health Care Act of 2006 that were signed into law by President Bush on December 20, 2006. In addition to an expanded employer section, the fifth edition offers new guidance for eligibility requirements and contribution limits.

2006 Position Statements - The National Association of Health Underwriters

Health Savings Accounts
Health Savings Account Executive Summary

HSAs, MSAs, HRAs, and FSAs
National Association of Health Underwriters (NAHU) comparison of Health Savings Accounts (HSAs), Medical Savings Accounts (MSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs).

Individual Market Health Insurance Costs
This chart provides a comparison of individual market health insurance costs and individual health insurance market regulatory factors for low-income families.

Comparisons of State Laws

External Review
State External Review Laws (pdf)
The following describes state-level external review laws, which allow a health plan enrollee to appeal a coverage denial to an outside medical expert if dissatisfied with the plan's internal appeals process.

Mandates
Mandate Laws (pdf)
The chart highlights ten specific mandated benefits and identifies which states require health insurance carriers to provide the benefits in the individual (I) and small group (G) markets.

Market Reforms
Individual and Small Group Market Reforms (pdf)
The chart illustrates state-level market reforms that have been enacted with respect to both the individual and small group health insurance markets.

Additional Market Reforms (pdf)
This chart outlines additional state-level market reforms.

Mental Health Parity
Mental Health Parity Laws (pdf)
The following chart outlines mental health parity laws in the fifty states.

Renewals
State Individual Health Insurance Policy Renewal Laws (pdf)
The chart describes state-level laws with respect to individual major medical health insurance policy renewals.

Risk Pools
Risk Pools in the Various States (pdf)
The following chart illustrates average rates for state high-risk pool provided during 2002.

High Risk Pool Rate Chart (pdf)
The following chart shows state high-risk pool rates and benefits for 2003. For the purposes of comparison, rates were obtained for a 35-year-old female non-smoker and a 53-year-old male non-smoker.

State Continuation
State Continuation Laws (pdf)
The chart describes laws that have been enacted at the state level with respect to continuation of coverage requirements for employers with fewer than twenty employees.

Very recently published content

View Dead Meat, a short film which shows the reality of health care under Canada's socialized medical system.

States with Programs for the Medically Uninsurable, Excluding State High-Risk Health Insurance Pools (pdf)

A Comparison of Individual Market Health Insurance Costs For a Low-Income Family Across the United States (pdf)

Single Payer Systems (pdf)

Note: The source of some of the content that is hyperlinked from this page is used with permission from the National Association of Health Underwriters.