Rules of the Road

Regulating Insurance Companies Is a Critical Component of Health Reform

Much remains to be decided about the rules of health reform. Accordingly, elected officials and policymakers on both the state and federal level should promote quality coverage and ensure the strongest possible oversight of the health insurance industry, thereby protecting the health and financial wellbeing of consumers.

This report discusses and makes recommendations in five key areas of :

  • Review of health insurance rates;
  • The portion of premiums insurers will be required to spend on health care;
  • Oversight of grandfathered plans that remain main exempt from many requirements under reform
  • Benefit standards; and,
  • Operation of the Exchanges.

Rules of the Road

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