Health Care Reform Part 2

4. this Health Care Compact allows two or more states to enter into an agreement where one or more qualified health plans could be offered in the individual markets in all the states that are part of the compact
5. _______ Issue requires insurance companies to issue a health plan to any applicant
7. _________ Compensation - an excepted benefited that is not subject to reform
8. Currently, there are only ___ states that require insurance companies to guarantee all products to all residents
9. There is no reporting requirement for employers with less than _____ employees
10. another name for a waiting period
12. this condition is defined as any limitation or exclusion of benefits based on the fact that the condition was present before the effective date of coverage

1. By 1/31/15 the _____ must also provide individuals listed on the report a written statement with the information in the report
2. period that must pass before an individual is eligible to be covered for benefits under the terms of the plan
3. Protects insurers offering individual coverage from the risk of high cost claims and allows for lower premium levels
4. Risk ______limits the extent of issuer gains or losses inside the Exchange
6. Risk _______ levels the playing field by assessing insurers with individual and small group enrollment of less‐than average risk and “transferring” those dollars to insurers with enrollment of higher‐than‐average risk
11. Health Care Choice Compacts can be offered starting 1/1/2016 and are for the ________ market only
13. a health insurance issuer that offers health insurance coverage in the individual or small group market shall ensure that such coverage includes the _____ package (abbreviation)
14. Disability _________ - an excepted benefited that is not subject to reform