Issues

Improving the individual market

Blue Cross and Blue Shield companies have participated broadly in the marketplaces established under the 2010 health reform law. Today, in about one-third of all U.S. counties, particularly in rural areas, we are the only insurance carrier offering coverage through this program.

We believe everyone should have access to healthcare, no matter who you are or where you live. But in order to ensure that all Americans have access to quality, affordable coverage, lawmakers must act to stabilize the individual market so consumers can have the choices they need at a price they can afford.  

14.4 MILLION PEOPLE PURCHASE COVERAGE in the individual market.

Source: The Henry J. Kaiser Family Foundation. “Data Note: Changes in Enrollment in the Individual Health Insurance Market.” July 2018

64% OF ENROLEES receive tax credits to help them afford coverage.

Source: The Henry J. Kaiser Family Foundation. “Data Note: Changes in Enrollment in the Individual Health Insurance Market.” July 2018

5% OF ENROLEES have medical needs that drive 60%OF CLAIMS COSTS.

Source: 2016 Individual Market BCBS claims data from Blue Health Intelligence

The Latest

Majority of Americans already have coverage; how we can expand it to all

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WE SUPPORT THREE STRATEGIES TO LOWER COSTS AND HELP PEOPLE OBTAIN AND MAINTAIN COVERAGE

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REVISE FINANCIAL ASSISTANCE

Adjust tax credits and improve cost-sharing to help more people afford coverage and access medical care.

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REMOVE FINANCIAL BARRIERS

Establish federal funding to support cost of caring for those with significant medical needs and modernize health plans linked to health savings accounts.

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IMPROVE OUTREACH

Provide enhanced outreach, simplify enrollment and allow auto renewal to encourage people to obtain and maintain insurance.

Learn more about what we recommend to help stabilize the individual and small group markets.

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