Health Care for America Now (HCAN) is a national coalition of more than 1,000 groups in 50 states representing 30 million people. We work to promote, defend, implement and improve the Affordable Care Act (ACA) at the state and federal levels, protect Medicare and Medicaid, increase corporate accountability and confront forces that seek to take away critical services. HCAN works on a number of issues related to health care, the Affordable Care Act (ACA), and the economy. Please click below to see our work on these issues.
About the ACA – Read an overview of the law, including who is benefiting and what it means for you and your family.
Affordability – The cost of health insurance has skyrocketed in the last decade while wages have been stagnant. The ACA will make health insurance more affordable by controlling costs and with income-based subsidies beginning in 2014. HCAN advocates ways to make coverage more affordable, including controlling the price of insurance and supporting subsidies to purchase it.
Attacks on the Health Law – Some groups have made it their mission to take away new consumer protections and benefits and put health insurance companies back in charge of our health care. HCAN fights the smear campaigns and attempts to weaken, repeal and defund the health care law.
Corporate Accountability – Health insurance companies and their corporate friends use their overwhelming financial resources in Washington to stack the deck against working and middle-class families and small businesses. HCAN drives a corporate accountability agenda – from our actions against the Koch Brothers to our insurance company shareholder work – that exposes the corrosive role of corporate money in political campaigns and lobbying.
Health Insurance Exchanges– Beginning in 2014, people can purchase coverage in new marketplaces called “health insurance exchanges.” Insurance sold in the exchanges must meet new rules for transparency. HCAN advocates for strong federal rules that improve the quality of insurance offered by the exchanges in 2014 and supports the interim programs that help people access coverage today.
Health Insurance Industry – Health insurers have been operating in the dark for too long. Excessive profits, inflated prices, and deceptive practices have resulted in care that costs too much and is often denied to those who need it. HCAN exposes insurers’ anti-consumer behavior.
Insurance Reform – The ACA created important new insurance protections to end insurance company abuses. Some protections are in effect now, including coverage of preventive care at no cost, allowing adult children to keep their parents’ coverage until age 26, and no denials of coverage for children with pre-existing conditions. Beginning in 2014, insurers will no longer be able to discriminate against people due to pre-existing condition, health status or gender.
Medicaid & Medicare – HCAN works to strengthen and protect Medicare and Medicaid, programs that are vitally important to seniors, people with disabilities, children and low-income people who can’t afford care. The ACA will expand Medicaid to millions more people, including adults with income below the poverty level.
Medical Loss Ratio – The medical loss ratio (MLR) is a provision of the ACA that requires health insurance companies spend at least 80% of the premium dollars they collect on actual medical care and it limits spending on administrative costs, like marketing, CEO salaries and profit. Insurers that fall short must refund the difference to consumers and businesses. HCAN fights to preserve the MLR provision against attacks from groups that want to weaken or eliminate the formula.
Premium Rate Review – Excessive health insurance premium increases will be scrutinized under the ACA’s new rate review provisions. State insurance departments, with back-up from the federal Department of Health and Human Services (HHS), will make insurers justify any rate increase greater than 10%. HCAN works to ensure that unjustified premium increases are exposed and blocked.
Racial & Ethnic Health Disparities – Persistent racial and ethnic disparities in health status and health care access are a persistent public health challenge. HCAN supports programs and initiatives that will eradicate health differences based on race and ethnicity.