As we are just hours away from the Supreme Court decision on the constitutionality of the Patient Protection and Affordable Care Act, there’s a lot of speculation as to which way the ruling’s going to go.
But even if the Court rules the PPACA unconstitutional—a ruling most brokers are hoping for—health reform is still going to happen, breakout session speaker Anne Sperling said at NAHU’s annual conference in Las Vegas.
The broker at Daniels Insurance Agency in Santa Fe, N.M. pointed to a list of provisions that will still move ahead despite the fate of the law.
“The industry quite frankly should have done a lot of this a long time ago,” she said. “So that’s why they aren’t going back on this.”
Earlier this month health insurer giants UnitedHealth Group, Humana and Aetna said they would keep some popular parts of President Obama’s health reform bill even if the Supreme Court kills the bill.
Here are a list of provisions Sperling said won’t be going away:
Prevention—In terms of curbing exorbitant health care costs, this is a win-win for both employers and employees. Everyone is finally realizing this is the way to go, so don’t expect anyone to back away from preventive care
The under age 26 provision—According to the Department of Health and Human Services, more than 3.1 million Americans ages 19 through 25 are now covered by their parents’ medical insurance policies due to the health reform law.
Guaranteed issue policies on children.
Medical loss ratio—“Many states have already enacted their own laws on MLRs,” Sperling said.
Rate transparency—This is “one of the nastiest bills out there” because it ruined the marketplace for any new carriers coming in, Sperling said. Though the idea of transparency is great, she said, they weren’t tracking transparency. “We’re just looking at balance sheets.”
ACOs—Not only are ACOs sticking around, but they’re growing: The number of accountable care organizations across the United States has grown 38 percent over the past six months, a new research report from health care business company Leavitt Partners finds.
Medical home models.
Appeals—These, Sperling said, are especially important to and for the consumers.
“This is some of the better stuff that came out of the law that should have been there in the first place,” Sperling said.