The health care reform challenge is to bring the estimated 45 million uninsured Americans into the system and to reduce the high cost of health care for everyone. Of course, these two challenges are related and one cannot be solved without tackling the other.
NAIFA Health & Employee Benefits has developed principles that would support a practical solution to our health care problems. The plan, utilizing these basic principles, will help lower costs and ensure coverage is available to all citizens—without resorting to new government programs or jeopardizing the high quality of care we enjoy and expect as American consumers.
NAIFA Health & Employee Benefits is committed to increasing small businesses' access to affordable health care coverage. Businesses with fewer than 50 employees are much less likely than large firms to provide health coverage for their employees. However; the creation of AHPs raises a number of concerns.
NAIFA Health & Employee Benefits supports initiatives to improve enrollment of the 6 million children who are eligible for, but not enrolled in, the Children's Health Insurance (CHIP) and Medicaid programs.
NAIFA Employee Benefits supports efforts to make health insurance more available and more affordable. However, there are issues of concern regarding policy pricing, as well as licensing (and oversight) of agents and advisors selling primary state individual health insurance in secondary states.
NAIFA Health & Employee Benefits believes all health care starts with the individual. With 75% of our total health care consumption resulting from care for individuals with chronic diseases, the problems we face with sustaining affordable health care is driven in large part by behavior and lifestyle.
NAIFA Health & Employee Benefits sees savings potential in reducing redundant and unnecessary health care administrative expenses. Those savings can best come from the efforts of competitive private health plans. The alternative – government-run health care – is unacceptable because health plan administrative costs would increase.
NAIFA Health & Employee Benefits believes that the health insurance agent/advisor plays a valuable role in the delivery of health insurance coverage and benefits and that it would be a significant mistake to assume that a health insurance exchange or connector arrangement could perform the many services currently offered by the professional agent/advisor
NAIFA Health & Employee Benefits members serving the small business health insurance market have found HSAs used in conjunction with HDHPs offer an affordable health care solution.
NAIFA Health & Employee Benefits supports federal grants to states in order to provide health coverage for high-risk populations.
NAIFA Health & Employee Benefits believes that private LTCi policies can and should play a more significant role in the financing of long-term care services.
NAIFA Health & Employee Benefits believes insurers should be allowed to offer low-cost, basic benefit packages which are exempt from costly benefit mandates. Basic benefit policies should be structured to keep premiums low.
NAIFA Health & Employee Benefits supports initiatives to expand access to health care to the 3 million adults and 6 million children who are eligible for, but not enrolled in, the Medicaid or State Children's Health Insurance (SCHIP) programs.
NAIFA Health & Employee Benefits supports meaningful reform to reduce defensive medicine.
NAIFA Health & Employee Benefits supports continuation and proper funding of Medicare Advantage Plans.
NAIFA Health & Employee Benefits supports the preservation of Medicare beneficiaries' access to Medigap and other Medicare Supplemental offerings.
NAIFA Health & Employee Benefits supports tax credits and other tax incentives for employers to offer coverage, with due consideration being given to the economic capabilities of employers and employees.