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This final rule will implement the new Affordable Insurance Exchanges (``Exchanges''), consistent with title I of the Patient Protection and Affordable Care Act of 2010 as amended by the Health Care and Education Reconciliation Act of 2010, referred to collectively as the Affordable Care Act. The Exchanges will provide competitive marketplaces for individuals and small employers to directly compare available private health insurance options on the basis of price, quality, and other factors. The Exchanges, which will become operational by January 1, 2014, will help enhance competition in the health insurance market, improve choice of affordable health insurance, and give small businesses the same purchasing clout as large businesses.
Opinions vary greatly on the new Patient Protection and Affordable Health Care Act, which is still in the forefront of public debate as provisions are phased in and challenges make their way through the courts. The major issue in most of the challenges is a requirement that everyone must purchase health insurance by 2014. Some say it violates the Commerce Clause of the Constitution or doesn't meet the Necessary and Proper Clause.
The Department of Labor (DOL) is submitting the Occupational Safety and Health Administration (OSHA) sponsored information collection request (ICR) titled, ``Occupational Safety and Health Act Variance Regulations,'' to the Office of Management and Budget (OMB) for review and approval for use in accordance with the Paperwork Reduction Act (PRA) of 1995 (44 U.S.C. 3501 et seq.).
While the Health Insurance Portability and Accountability Act of 1996 ("HIPAA") addressed the concerns of millions of Americans regarding their health care, the drafters failed to consider a major issue with regard to debt collection. The Act's privacy provisions create a conflict with the debt-validation requirement of the Fair Debt Collection Practices Act ("FDCPA"). Specifically, if third parties such as debt-collection agencies are involved in the debt-collection process, patient-debtors cannot receive validation for their medical debts under the current law without sacrificing their privacy to such an agency. This Note offers several alternatives to ameliorate or eradicate the problem, thereby maximizing both patient privacy and consumer protection. Congress should address this ...
The Patient Protection and Affordable Care Act, better known as federal Health Care Reform, contains a myriad of new programs and rules that affect employers, employees, health insurance plans and health care providers. This is the fourth and final installment in a series of columns highlighting some of the PPACA's new programs and rules. Health benefit exchanges
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