Health Care Reform - Mississippi Health Insurance Rate Review

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The Patient Protection and Affordable Care Act

The Patient Protection and Affordable Care Act (PPACA) was signed into law by President Barack Obama on March 23, 2010. Health care reforms mandated by this law will ultimately expand coverage to millions of Americans and will require a large number of changes to the insurance industry. These changes will affect all Mississippians in one way or another. The Mississippi Insurance Department and other Mississippi state agencies are diligently analyzing the many components and implementation timelines for the benefits mandated by PPACA. As many details are not yet available, we ask that you check this website periodically for updated information.

Kaiser Family Foundation video - "Get Ready For Obamacare: Changes Coming Your Way Under the ACA" Click HERE to watch.

Mississippi Health Insurance Exchange Advisory Board

Materials from Public Meeting (12/12/2012):
- Meeting Minutes from the Exchange Advisory Board Meeting on November 14, 2012 (Adopted December 12, 2012)
- Powerpoint Presentation from December 12, 2012 Meeting
- Meeting Agenda from December 12, 2012 Meeting
Materials from Public Meeting (11/14/2012):
- Meeting Minutes from the Exchange Advisory Board Meeting on October 10, 2012 (Adopted November 14, 2012)
- Powerpoint Presentation from November 14, 2012 Meeting
- Meeting Agenda from November 14, 2012 Meeting
- Final Recommendations of the Exchange Advisory Board on Employer Participation (Adopted November 14, 2012)
Materials from Public Meeting (10/10/2012):
- Meeting Minutes from the Exchange Advisory Board Meeting on September 12, 2012 (Adopted October 10, 2012)
- Powerpoint Presentation from October 10, 2012 Meeting
- Meeting Agenda from October 10, 2012 Meeting
Materials from Public Meeting (9/12/2012):
- Rules for Public Comment (Adopted Sept. 12, 2012)
- Powerpoint Presentation from September 12, 2012 Meeting
- Final Recommendations of the Exchange Advisory Board on Outreach, Education, Adoption & Enrollment (Adopted September 12, 2012)
- Meeting Agenda from September 12, 2012 Meeting
Materials from Public Meeting (7/11/2012):
- Meeting Minutes from the Exchange Advisory Board Meeting on June 13, 2012 (Approved July 11, 2012)
- Powerpoint Presentation from July 11, 2012 Meeting
- Meeting Agenda from July 11, 2012 Meeting
Materials from Public Meeting (6/13/2012):
Materials from Public Meeting (5/9/2012):
- Powerpoint Presentation from May 9, 2012 Meeting
Meeting Minutes from the Mississippi Health Insurance Exchange Advisory Board Meeting on April 11, 2012 (Approved 5/9/12)
Materials from Public Meeting (4/11/12):
- Powerpoint Presentation from April 11, 2012 Meeting

Meeting Minutes from the Mississippi Health Insurance Exchange Advisory Board Meeting on March 14, 2012 (Approved 4/11/12)
Meeting Minutes from the Mississippi Health Insurance Exchange Advisory Board Inaugural Meeting on January 31, 2012 (Approved 3/14/12)
Pictures from the Mississippi Health Insurance Exchange Advisory Board Meeting on January 31, 2012
Miss. Health Insurance Exchange Advisory Board & Advisory Subcommittees Appointments (1/16/12)
Materials from Inaugural Meeting (1/31/12):
Materials from Public Meeting (3/14/2012):
- Presentation on Essential Health Benefits
MID Bulletin 2011-9 (Amended 1/25/12)

Exchange Related Materials

Mississippi Health Insurance Exchange

Mississippi Insurance Department Federal Grants for Health Care Reform

Additional Information

Related Press Releases

Helpful Websites

The following websites may provide further guidance for Mississippians:

Fact Sheets and FAQ's

Health Care Implementation Timeline
Implementation Date	Items Implemented
March 23, 2010 through March 2011	Authorizes tax credits to small businesses for offering coverage to employees Gives a $250 rebate to seniors reaching Medicare Part D “donut hole” in 2010
June 2010	Requires states to have temporary high-risk pools or mechanism for uninsured people with pre-existing conditions
September 2010	Prohibits insurers from rescinding coverage after a sickness, imposing life time caps, and denying coverage to children with pre-existing conditions Allows parents to keep children on their policies until age 26
2011	Requires medical loss ratios of 80 and 85 percent, respectively, for individual/small group and large group plans Begins a voluntary Long Term Care (LTC) program financed through payroll deductions
2012	Imposes a new annual fee on drug manufacturers
2013	Raises the Medicare payroll tax for high-income workers and imposes a new tax on medical device sales
2014	Requires states to implement insurance exchanges for individual/small business markets (federal funding to states is available from 3/2011 to 1/1/2015 Prohibits insurers from denying coverage based on pre-existing conditions and imposes a new annual fee on health insurers Imposes a mandate that individuals acquire health insurance coverage or pay, by 2016, the greater of $695 or 2.5 percent of income Imposes mandates on employers with 50+ workers: offer coverage or by 2014 pay $2000/FT worker (excluding the first 30); if offer unaffordable coverage, pay $3000/employee receiving taxpayer assistance to buy it or a total of $2000/employee, whichever is more (Employers of 50 or fewer workers are exempt.) Expands Medicaid to those making under 133 percent of the Federal Poverty Level
2018	Imposes new taxes on so-called "Cadillac" health insurance policies