WASHINGTON — President Obama said last week that the Affordable Care Act would not stop Americans from keeping their health insurance plans, even if those plans did not meet minimum standards set by the health care law.
But he did not promise to say nice things about them.
On Thursday, the federal government unveiled sample letters that insurance companies will be required to send to anyone seeking to renew one of those policies.
The letters are blunt, declaring that the insurance that is about to be renewed "will NOT provide all of the rights and protections of the health care law." Renewal letters sent by insurance companies will have to list all the deficiencies in the policy.
The letters, among other things, will have to warn that policies might not:
¶Meet standards for premiums, allowing companies to charge more based on factors like gender or a pre-existing condition.
¶Guarantee the policy's renewal.
¶Prevent discrimination based on a customer's health status.
¶Cover essential health benefits or limit annual out-of-pocket spending.
The letters must also make it clear that consumers can still voluntarily switch to a plan offered by the new federal or state insurance marketplaces.
"The Marketplace allows you to choose a private plan that fits your budget and health care needs," the letters will have to say. "You may also qualify for tax credits or other financial assistance to help you afford health insurance coverage through the Marketplace."
The letters will be required to give the HealthCare.gov website address and the toll-free number for the federal insurance marketplace.
Under Mr. Obama's new policy, announced last week, some insurers may still prevent some customers from renewing their policies. In that case, officials said Thursday, companies are urged to include a letter referring such customers to the marketplaces.
"You may shop in the Health Insurance Marketplace, where all plans meet certain standards to guarantee health care security and no one who is qualified to purchase through the Marketplace can be turned away or charged more because of a pre-existing condition," the letters may say.
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