Congress could soon debate a bill that would convert some Affordable Care Act premium tax credit subsidy money into cash flowing into a consumer's personal health spending account.

Americans in the top-ranked states are more likely to report receiving high-quality, proactive care from their providers and to experience fewer barriers to accessing health care services, including challenges related to finding providers, transportation and personal health or mobility limitations.

A plan participant filed a complaint earlier this month in the U.S. District Court for the Northern District of California against Centene Management, a subsidiary of Centene Corp., which serves as the legal sponsor and administrator of certain employee benefit plans.

Jeff Smedsrud says the products can help group health plan enrollees cope with rising out-of-pocket costs and others cope with uncertainty.