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Federal and state policymakers should enact health care reform that achieves universal access to health care coverage and provides adequate protection against health care costs.
Policymakers should explore reinsurance, risk adjustment, or similar mechanisms to spread insurance risk more broadly.
Policymakers should ensure that state and federal health insurance marketplaces maintain an accessible application-and-enrollment system and infrastructure.
Policymakers should support EHB requirements under the Affordable Care Act. They should ensure that consumers who purchase individual and small-group health plans have comprehensive coverage.
Policymakers should monitor these products to determine how they compare with traditional products.
Public (e.g., Medicaid) and private sponsors should offer more than one health insurance option to those eligible for coverage.
The state and federal governments should apply uniform national standards to all private health plans, including provider-sponsored and preferred-provider organizations.