Providerless plans could reshape ACA

By Maya Goldman
blue cross with a hard wire connection
Illustration: Lindsey Bailey/Axios
The Trump administration is planning something new for people shopping on Affordable Care Act marketplaces next year: health plans without a list of in-network doctors and hospitals.

Why it matters: The “non-network” plans could inject a dose of long-sought innovation into health care pricing. But they also could expose patients to more surprise bills and further destabilize ACA markets, policy experts warn.

  • The proposal is landing amid upheaval in the ACA marketplace: Enhanced premium subsidies have expired, and the Trump administration is promoting high-deductible Obamacare plans.

State of play: Last month, Trump health officials proposed allowing the sale of plans that don’t contract with providers on the ACA exchanges.

  • Insurers in these arrangements announce a rate they’ll pay for covered services. Enrollees then have to find providers willing to accept that sum — or pay the difference out of pocket.
  • The option could spur “a more competitive marketplace where providers would need to consider their pricing strategies more carefully to attract and retain patients,” per the proposal.

The plans are a sharp break from the status quo, in which insurers negotiate rates in advance with a defined network of doctors and hospitals.

  • The networks function as both a cost control mechanism and a consumer protection tool, ensuring patients have access to covered care.
  • The Biden administration blocked non-network plans from being sold on ACA marketplaces because it didn’t see a way to ensure they offered necessary consumer protections, said Ellen Montz, who led marketplace regulation and is now a managing director at Manatt Health.

Where it stands: The Trump administration now says that the plans could meet ACA requirements as long as they ensure adequate access to providers.

  • And they’ll have low premiums that could influence how other ACA coverage is sold.

Keep reading

from STAT:

politics

FDA approves leucovorin for rare disorder without trial data

The FDA yesterday approved the generic medicine leucovorin for cerebral folate deficiency, a rare brain disorder that resembles autism, while pulling back from previous statements made by top health officials that children with autism could benefit from taking the drug.

The agency granted the approval to GSK, which first introduced the branded version of leucovorin to the market in 1997, but has stopped manufacturing it. The approval will allow generic manufacturers to update their labels as well.

Notably, the FDA said that approval was based on “a systematic review of the published literature on the topic, including published case reports with patient-level information, as well as mechanistic data.” It was not based on any new clinical trial data.

A senior FDA official said the agency does this kind of review in cases of extremely rare diseases, where it’s not feasible to conduct a randomized, controlled trial, Endpoints reported.

That appears to be at odds with the agency’s recent approach toward several gene therapies. For example, the FDA hasn’t been satisfied with the data behind UniQure’s Huntington’s disease candidate, which was studied in comparison to an external control group based on a natural history study.

from 1440 News:

Paying to Skip the Waiting Room

What’s concierge medicine?

Concierge medicine is a membership model of healthcare in which patients pay a recurring fee on top of their insurance, copay, and deductibles. These fees may average around $3,500 annually, and come with the promise of around-the-clock access, same-day and longer appointments, and more personalized care. Some practices offer clinician house calls. Older, medically complex patients and patients with challenging schedules make up the majority of concierge medicine subscribers.

The concept of concierge care—sometimes referred to as retainer medicine or VIP medicine—is often traced to the 1996 establishment of MD2 International, a medical office in Seattle, Washington. By 2005, it was charging $13,000 per year for an annual membership. Concierge medical practices, including direct primary care ones that require membership fees but also don’t take insurance, grew swiftly between 2018 and 2023—increasing an estimated 83%. Physician assistants and nurse practitioners are now seeing many of the patients in these concierge practices, a change from earlier concierge medicine models but consistent with a larger healthcare shift in which more nonphysicians are seeing patients.

Supporters say the concierge model offers comprehensive, improved care, and its smaller patient load combats physician burnout. Critics contend that concierge care widens healthcare inequity and worsens primary care physician shortages by making it harder for people to see primary care physicians outside of membership-based offerings as more doctors move to concierge practices.

Explore everything else we’ve found on Concierge Medicine.

Also, check out … 

Concierge medicine offerings are growing on college campuses. (Read)

> Over 20 years ago, the Government Accountability Office considered whether concierge medicine threatens the future of Medicare. (Read)

> By 2036, the US may face tens of thousands of primary care shortages. (Read)

> Doctors report wanting more time to plan, provide care for patients. (Read)

Facebook
Twitter
LinkedIn
Pinterest
Email

Related Posts

What is hyperphosphatemia?

Symptoms Causes Diagnosis Treatment Prevention Outlook Excess phosphate in the blood is known as hyperphosphatemia. The most common cause is kidney disease, but other conditions

Read More »
Scroll to Top