HAP's Response to the Supreme Court's Ruling to Uphold the Affordable Care Act
The decision of the U.S. Supreme Court to uphold the constitutionality of the Affordable Care Act (ACA) – the federal health care reform law – should clear the way for Michigan policymakers to begin implementing key segments of this law. We hope that both Washington and Lansing policymakers will take constructive and immediate steps to work with the private sector to implement this law in a sustainable way that will benefit consumers and purchasers, improve competition and keep essential coverage as affordable as possible.
The most important attribute of the ACA is to provide access to health insurance coverage to hundreds of thousands of Michigan citizens who are currently not insured. Over the past two years, Health Alliance Plan (HAP) has taken several important steps to prepare to serve these populations:
- Our acquisition of Midwest Health Plan and strategic alliance with ASR Health Benefits dramatically increased our market capabilities and transformed HAP from a company primarily serving the insured commercial market into an insurance company with a much broader product portfolio that provides health insurance products to the diverse segments of the communities we serve.
- Revamping and streamlining our individual product line was another crucial step to prepare for 2014, when Michigan residents not currently covered by health insurance are expected to purchase their own insurance under the ACA. We are already experiencing a major uptick in enrollment since launching Personal Alliance in April.
- As healthcare costs continue to rise along with the burden of chronic disease, employers, physicians and health plans must innovate to overcome these cost barriers to economic sustainability. HAP is working with employers and providers to develop a model of value-based insurance designs aimed to enhance the health of their employees.
Soon, consumers will be more engaged in their health care coverage decisions than ever before. As they seek their own health insurance with more choices, HAP will continue to enhance the health and well-being of the lives we touch by providing exceptional service, coverage and guidance that will help our customers achieve a sense of peace and comfort with health insurance decisions best suited for them, their families or their business.