When Obamacare Works But Insurers Behave Badly

Jonathan Cohn cites a recent example of insurers “behaving badly.”

“Perhaps the most alarming I’ve seen comes from Florida, where the AIDS Institute and National Health Law Program accuse four insurers of discriminating against customers and potential customers who are HIV-positive. According to an official complaint, filed with the Department of Health and Human Services, the insurers have structured their drug formularies in ways that make key HIV drugs much more expensive.”

“It could be coincidence, naturally, but the groups think it’s a deliberate effort to scare away customers that would run up high medical bills. It’s precisely the sort of trick that insurers have played for generations. And while the Affordable Care Act’s regulations are supposed to stop such practices, some insurers have undoubtedly found ways to circumvent and undermine the new rules.”

“Given the anecdotes and history of private insurance in America, it’s clear that state and federal officials need to be regulating the plans aggressively. In some places, I’m not sure they are.”

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