And Then There Were Three: The Decimation of the Affordable Care Act (ACA) CO-OPs

Journal of the American Board of Family Medicine: JABFM

article

Eli Y. Adashi¹  Daniel P. O²  I. Glenn Cohen³ 

[1] Department of Medicine and Biological Sciences, Brown University;Library Planning and Assessment, Brown University Library;Harvard Law School, Petrie-Flom Center for Health Law Policy, Biotechnology, and Bioethics, Harvard University

关键词: Health Insurance;    Health Policy;    Health Services Accessibility;    Maine;    Montana;    Patient Protection and Affordable Care Act;    Population Health;    Wisconsin;   

DOI  :  10.3122/jabfm.2022.04.210533

学科分类：过敏症与临床免疫学

来源: The American Board of Family Medicine

【 摘 要 】

The Consumer Operated and Oriented Plans (CO-OPs), the subject of Section 1322 of the Affordable Care Act (ACA), were to constitute “qualified nonprofit health insurance issuers.” Designed with an eye toward increasing competition with the extant commercial and nonprofit insurance sector, the CO-OPs were to enhance consumer choice as well as hold down prices on the state and federal exchanges. To achieve these ends, the consumer-governed state-licensed CO-OPs were to target the individual and small-group markets. At least one qualified CO-OP was to be established in each and every state. By the fall of 2013, however, coincident with the first open enrollment period of the ACA, only 23 CO-OPs were on tap. At the time of this writing, only three of these CO-OPs remain operational in the states of Maine, Montana, and Wisconsin. Viewed in hindsight, the thorough dissolution of the CO-OPs was the product of incremental financial privation effectuated by congressional opponents of the ACA. In this Commentary, we revisit the ontogeny of the CO-OP construct, review its partisan dismantling, and explore the potential resurrection thereof.

【 授权许可】

CC BY