Health Care Reform

Health Care Reform

What’s the latest on health care and health insurance reform? What’s happening with the Affordable Care Act, also known as Obamacare? Change is coming at both the state and federal levels. This page is your resource to learn what Montana Commissioner of Securities and Insurance Matt Rosendale is recommending to Congress on ways to reduce costs, improve access, expand options, and respect the choices of Montana consumers.

Obamacare Repeal and Replace

Obamacare is in a death spiral. Premiums have increased drastically, insurers are abandoning the marketplace, and the system is collapsing under its own weight. Reform is necessary, but it’s important that Congress gets this right. Montana solutions are better than one-size-fits-all mandates from Washington, D.C. Congress needs to remove barriers to create a true health care marketplace and allow Montana the flexibility to develop our own unique solutions that best serve the needs of our rural state.

Commissioner Matt Rosendale sent a letter to key members of Congress with his recommendations for reform that would benefit Montana. You can read the full letter here or check out the outline below. Matt is actively working with Montana’s federal delegation and other members of Congress to make sure Montana’s voice is heard during the reform process.

Matt Rosendale’s recommendations to Congress

Congress should do the following to directly empower consumers:

  • Repeal mandates that limit care coverage choices and allow the private sector to innovate.
  • Remove existing federal tax biases to promote portable, personal health insurance.
  • Create a tax relief mechanism for all taxpayers, including low-income taxpayers currently eligible for Medicaid Expansion benefits, for the purchase of health insurance or health care products.
  • Remove the ACA’s restrictions on high deductible insurance plans  to provide people with simple, more affordable insurance options.
  • Empower consumers by allowing anyone to voluntarily contribute to a Health Savings Account, raise annual contribution limits to HSAs, and allow HSA expenditures to include any type of health insurance, alternative to health insurance, preventative services, health care products, and even experimental treatments if needed in unique situations.

Congress should do the following to empower Montana-made solutions:

  • Empower the Medicaid Expansion population through tax incentives to own a Health Savings Account and choose how to best protect themselves and their families via those funds.
  • Make federal assistance to states for both the traditional Medicaid and Medicaid Expansion populations available via block grants to give states more control to create more efficient and effective programs.
  • Allow states to create high-risk pools and give them the regulatory flexibility to adequately fund those pools to cover people with expensive preexisting conditions.
  • Consider funding states’ access to reinsurance of their high-risk pools.
  • Allow states to take the lead on consumer protection regulation.
  • Keep 1332 Innovation Waivers and similar waiver options in place so states can innovate and upgrade their health care and health insurance markets.