The answer comes weeks after the insurers have decided to stop selling child policy solely because of a provision in the reform of health care that guarantees children's health insurance, regardless of health status. Insurers have decided to drop the coverage that other companies have left the market and clarification of open enrollment periods was not given. But after beating the insurance industry up to their decisions to leave the market, HHS has proposed solutions.
In the letter, Sebelius proposed:
- Insurers can determine the number and duration of open enrollment periods for children as long as it complies with legislation the State.
- The rates may be adjusted by the children's health status as long as it is allowed in the state.
- States and insurers may impose a surcharge when people drop coverage and reapply.
- Propose regulations to prevent employers encourage workers to move kids to policies only children instead of group policies.
Some states already require health insurance companies to provide health insurance regardless of preconditions for adults and existing children. But in other states, there is no guarantee that insurers will re-enter the market.
Kathleen Sebelius said: "Nothing in the Act on the Affordable Care or any other current federal law, allows us to require insurance companies to offer a particular type of policy at this time. "
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