I N N E S O T A
O U N C I L
651-645-0099 FAX 651-645-0098
Blue Cross and Blue Shield/Blue Plus of Minnesota
Medica Metropolitan Health Plan
Sanford Health Plan of Minnesota
November 18, 2013 Commissioner Michael Rothman MN Department of Commerce 85 Seventh Place East, Suite 500 St. Paul, MN 55101-2198
RE: November 15
ACA Announcement by President Obama Dear Commissioner Rothman: Thank you for the opportunity to meet
with your staff on Friday regarding President Obama’s offer to allow a
one-year delay in implementing general Affordable Care Act (ACA) requirements. As a follow up to the meeting, this letter outlines our most serious concerns and barriers with changing course this late in the process. Unlike many states, Minnesota embraced health care reform and has worked for years to move toward a marketplace that is fair and consistent for all Minnesotans. As a state we are ready for reform. We are concerned that President Obama's offer to allow the resale of non-ACA compliant policies cannot be implemented fairly for Minnesota consumers, and if allowed, would threaten out state's ability to successfully implement the ACA.
While we understand that many consumers are frustrated that their health coverage is changing, the
President’s offer for a one
-year delay will not erase their frustration
it will only postpone it to the fall of 2014 when those policies must be brought into compliance
. In the face of significant risk to our state, we struggle to see a benefit for our state to justify allowing the President's proposal to move forward. As you make your final decision, we urge you to consider the following issues:
If the President’s offer is accepted, already approved
2014 rates will be invalid.
New rates for products already on the market will need to be refiled and reapproved. If rates are not allowed to be refiled, they will be insufficient and each carrier will independently need to assess what this means going forward.
Having been notified in September and October that their 2013 policies couldn’t be renewed as is,
many Minnesotans already shopped and compared new coverage options both inside and outside MNsure.
Thousands have purchased new coverage and others are prepared to do so by the Dec. 15 federal and state deadline. Going backward on such a very tight timeline will create uncertainty, confusion and disruption when people seek care.