The Affordable Care Act was designed to prevent health insurers from discriminating against people based on health status, but a recent study published in the New England Journal of Medicine questions how effective those protections really are.
Researchers at the Harvard School of Public Health examined 48 ACA health plans and found a disturbing trend: A dozen of these plans placed medications used to treat HIV/AIDS in the highest cost-sharing categories. This practice, known as “adverse tiering,” serves to discourage people with significant health needs from enrolling in the health plan. And it is prohibited by the ACA.
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