LGBT health

LGBT Task Force Examining Transgender Insurance Coverage

Posted September, 30 2015 by Hannah Lupien

Guest post: Lois Uttley, Director, Raising Women’s Voices – NY   The NYS Department of Financial Services issued a Circular Letter in December 2014 requiring private health insurance plans in our state to cover all medically-necessary care for treatment of gender dysphoria. With the one-year anniversary of this policy approaching, the LGBT Task Force of […]


Employer Sponsored Health Coverage

Posted September, 28 2015 by Hannah Lupien

The majority of non-elderly Americans get their health coverage through employer sponsored plans, but the ways those plans provide financial protection is changing. According to a new survey by the Kaiser Family Foundation, employers are increasingly relying on cost-shifting through high-deductible plans, higher premiums, and plans with larger co-pays. That means workers and their families […]

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New Yorkers may know more than most consumers about how to benefit from cost-sharing reductions

Posted September, 1 2015 by Hannah Lupien

The ACA makes insurance more affordable for people through a cost-sharing reduction (CSR) benefit. CSRs are available to consumers with incomes between 138% and 250% of the Federal Poverty Line ($27,311 to $49,475, for a family of three) who purchase Silver level plans. CSRs are sliding scale discounts on cost sharing, including deductibles, co-pays, and […]

NYS counties

Out-of-Network Coverage Proves Popular in New York State of Health Enrollment Statistics

Posted August, 25 2015 by Hannah Lupien

By Heidi Siegfried, Esq., Project Director of New Yorkers for Accessible Health Coverage and Health Policy Director for Center for Independence of the Disabled, NY   In its second Open Enrollment report, the New York State of Health Marketplace (NYSOH) identified trends in plan selection. One stand-out trend is the high uptake of out-of-network products […]