America’s Health Insurance Plans

AHIP is “the national trade association representing the health insurance industry” according to their Web site.  As a leader in the health insurance industry I thought they might be able to shed some light on the widely posited difficulties of implementing President Barack Obama’s latest Obamacare “fix” of “encouraging” health insurance companies to stop canceling non-Obamacare compliant policies, as the law requires, and reinstate already canceled policies.  Accordingly, last week I sent an email to AHIP asking a couple of simple questions:

I’m a conservative blogger at; you can poke around the blog and see that while I’m unabashedly conservative, I try to write from facts and logic rather than simply from polemics.
To that end, I’d like to write an article on the logistics of reviving cancelled health insurance policies, and so I’d like to ask you some questions (and probably engage in some back and forth as new questions arise, so as to be sure I write accurately).
My questions center on two premises: first, the relevant state commissions already have approved the plans you wish to revive, and so they should not be a problem.  Obviously, they’re not always going to be cooperative (vis., Washington), and you have no control over that.  For this purpose, I’d like to assume the commissions are not a problem.  I’ll make clear in my article that I’m eliding state insurance commission matters.
The second premise is that you already have these policies built and archived–at the least you’d need copies of what you sold in case of later litigation, so that you’d not have to rely on plaintiffs’ versions.  Thus, there would seem to be no problem recreating the policies for further sale or for reinstatement with those customers who received cancellation notices.
Despite this, there has been a lot of publicity about how hard it is, logistically, to revive and resell these cancelled policies.  With all the publicity, though, there has been no commentary on the whys of that difficulty, only a long series of unsubstantiated claims.  I’d like to understand the logistic difficulty, so that I can write accurately.
Thus, as a start, please walk me through the process of recreating a typical health insurance policy that was cancelled and then offering it to customers, on the assumption that the states’ insurance commissions do not represent roadblocks.  As I said, I’ll likely have followup questions as I begin to understand the problems involved.  I don’t want to post my article until I have a fuller understanding than I do now.
Thank you for your time and patience.

It’s been more than a week, and apparently AHIP has chosen not to respond.  Which raises another question: why would a health insurance trade association not want to explain the difficulties in reviving and reselling already built and approved (with that status existing as recently as just a few weeks ago) health insurance policies?  Why would they not want to substantiate these claims?

One thought on “America’s Health Insurance Plans

  1. Pingback: Obamacare Blocking People from Getting Coverage? | A Plebe's Site

Leave a Reply

Your email address will not be published. Required fields are marked *