QuickTake: Consumers Support Allowing Cheaper, Less Generous Plans, but Not if It Means Sick People Pay More for Comprehensive Coverage

Brief

QuickTake: Consumers Support Allowing Cheaper, Less Generous Plans, but Not if It Means Sick People Pay More for Comprehensive Coverage

August 16, 2018

Abstract

We used data from the March 2018 round of the Health Reform Monitoring Survey to assess public attitudes toward health plans, such as short-term limited duration insurance, that are sold directly to consumers and do not comply with the Affordable Care Act’s coverage standards. Although 7 of 10 respondents thought insurers should be allowed to offer plans that have lower premiums for less comprehensive services, larger shares were against permitting insurers to deny services related to a person’s preexisting medical conditions (84.2 percent), exclude people with preexisting conditions (81.5 percent), or charge people with preexisting conditions higher premiums than healthy people (73.7 percent). Over two-thirds did not think that insurers should be allowed to offer plans that have the effect of leading to higher premiums for sick people.

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