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1 | | barrier to obtaining health insurance coverage for many |
2 | | Illinois residents and families. |
3 | | (5) Many Illinois residents and families who have |
4 | | health insurance cannot afford to use it due to high |
5 | | deductibles and cost sharing. |
6 | | (6) Improving health insurance affordability is key to |
7 | | increasing health insurance coverage and access. |
8 | | (7) Despite progress made under the Patient Protection |
9 | | and Affordable Care Act, health insurance is still not |
10 | | affordable enough for many Illinois residents and |
11 | | families. |
12 | | (8) Illinois has a lower uninsured rate than the |
13 | | national average of 10.2%, but a higher uninsured rate |
14 | | compared to states that have state-directed policies to |
15 | | improve affordability, including Massachusetts with an |
16 | | uninsured rate of 3.2%. |
17 | | (9) Illinois has an opportunity to create a healthy |
18 | | Illinois where health insurance coverage is more |
19 | | affordable and accessible for all Illinois residents, |
20 | | families, and small businesses. |
21 | | Section 10. Feasibility study. |
22 | | (a) The Department of Healthcare and Family Services, in |
23 | | consultation with the Department of Insurance, shall oversee a |
24 | | feasibility study to explore options to make health insurance |
25 | | more affordable for low-income and middle-income residents. |
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1 | | The study shall include policies targeted at increasing health |
2 | | care affordability and access, including policies being |
3 | | discussed in other states and nationally. The study shall |
4 | | follow the best practices of other states and include an |
5 | | Illinois-specific actuarial and economic analysis of |
6 | | demographic and market dynamics. |
7 | | (b) The study shall produce cost estimates for the policies |
8 | | studied under subsection (a) along with the impact of the |
9 | | policies on health insurance affordability and access and the |
10 | | uninsured rates for low-income and middle-income residents, |
11 | | with break out data by geography, race, ethnicity, and income |
12 | | level. The study shall evaluate how multiple policies |
13 | | implemented together affect costs and outcomes and how policies |
14 | | could be structured to leverage federal matching funds and |
15 | | federal pass-through awards. |
16 | | (c) The Department of Healthcare and Family Services, in |
17 | | consultation with the Department of Insurance, shall develop |
18 | | and submit a report to the General Assembly and the Governor |
19 | | concerning the design, costs, benefits, and implementation of |
20 | | State options to increase access to affordable health care |
21 | | coverage that leverage existing State infrastructure.".
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