Affordable Care Act
This law banned health insurance companies from denying coverage based on preexisting conditions.
What is the Affordable Care Act (ACA)?
The goal of adverse tiering isn’t to influence drug choice, but to do this instead.
What is discourage sick people from enrolling in the plan?
How many states were analyzed in the study?
What is 12 states?
How much more did people with HIV pay in adverse-tiering plans?
What is over $3,000 more per year compared to other plans.
The ACA banned this kind of discrimination in premiums, but the paper shows insurers still find subtle ways around it.
What is discrimination based on health status?
Name one policy recommendation made to reduce harm from adverse tiering.
What is implementing protected drug classes, requiring price transparency, or setting minimum actuarial values for drug coverage?
What specific drug class did the authors analyze to measure adverse tiering?
What are NRTIs/a commonly prescribed class of HIV medications?
What percentage of ATPs (Adverse-Tiering Plans) had drug-specific deductibles compared to non-ATPs?
What is 50% in ATPs vs. 19% in other plans?