What are the laws governing health insurance coverage?

In Washington, health insurance coverage is regulated by both federal and state laws. The federal Patient Protection and Affordable Care Act of 2010 (ACA) is the primary federal law in place throughout the United States to ensure people have access to health care. The ACA seeks to ensure that everyone in the United States has access to affordable health insurance. It also requires most insurers to cover certain preventive services at no additional cost to the patient and prohibits insurers from denying coverage or charging more for pre-existing conditions. In Washington, there are additional laws that govern health insurance coverage. These include the Washington Health Security Trust, which provides coverage for certain medically necessary services to uninsured or underinsured residents, and the Washington State Health Care Authority, which is responsible for providing and overseeing health care coverage for low income residents and those covered by Medicaid and Medicare. Additionally, Washington law requires all health insurers to provide some minimum level of essential health benefits to their policyholders, including emergency services, prescription drug coverage, mental health services, and preventative care. Finally, the Washington State Health Care Authority is responsible for making sure that all health insurers in the state comply with all applicable federal and state laws governing health insurance coverage. This includes ensuring that insurers cover all essential health benefits and providing access to health insurance through public and private marketplaces. Additionally, the Health Care Authority is responsible for monitoring the costs of health insurance and ensuring that policyholders do not pay more than is required in premiums or out-of-pocket costs.

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What are the laws governing health insurance coverage?

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