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Position Papers





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Apr
30

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Marketplace Mismanagement: How Bad Actors Undermine the ACA While Ethical Brokers and Consumers Pay the Price

April 30, 2025 | ACA

Released a policy paper calling on CMS to address fraud, waste, and abuse in the ACA Marketplace, warning that record enrollments hide growing oversight failures.

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Marketplace Mismanagement: How Bad Actors Undermine the ACA While Ethical Brokers and Consumers Pay the Price
April 30, 2025 | ACA
Apr
06

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NABIP Position on Tort Reform

April 06, 2023 | Legislative – Healthcare Costs

NABIP believes that unlimited lawsuits are not the answer to accountability of either health plans or providers. We strongly believe that state action on tort reforms is a model for federal reform, and encourage the federal government to protect access to health care and health insurance by placing caps on damages as well as other ideas adopted at the state level.

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NABIP Position on Tort Reform
April 06, 2023 | Legislative – Healthcare Costs
Apr
03

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Medicare Position Paper

April 03, 2023 | Medicare

The federal Medicare program has many considerations for long-term stability that deserve policymakers’ serious considerations. Access to affordable plans that cover medications, provide access to care, accommodate beneficiaries that may wish to continue working, and do not penalize those that retire but have dependents in need of coverage are all banner issues for our organization. NABIP believes that Medicare beneficiaries face many challenges related to maintaining access and affordability for a diverse field of health and drug plan options. As state licensed, annually certified insurance agents, we believe our many hours of both mandated and voluntary training make us uniquely suited to assist beneficiaries in learning about, selecting, and accessing care within the Medicare program We welcome all opportunities to work with CMS and other policymakers to ensure a bright future for Medicare beneficiaries everywhere.

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Medicare Position Paper
April 03, 2023 | Medicare
Jul
28

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Public Option/Medicare or Medicaid Buy-in Position Paper

July 28, 2021 | Single-Payer

With the latest calls for a public option, NABIP strongly opposes all legislative proposals that would create a public option or a buy-in to an existing public plan to compete with private insurers. NABIP strongly believes that the ACA does need to be modified in a number of ways, but that a public option or an option to buy in to an existing public program would not enhance consumer choice, but would instead reduce the viability of private coverage. Instead, we support solutions that build on the strength and stability of the employer-provided and ACA health coverage that millions of Americans rely on today.

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Public Option/Medicare or Medicaid Buy-in Position Paper
July 28, 2021 | Single-Payer
Dec
03

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Hybrid High-Risk Pools Position Paper

December 03, 2019 | high-risk pools

The concept of hybrid high-risk pools are one of an important set of ideas to improve the cost, plan choice and healthcare provider options available to consumers in the individual market. They would serve as an important market stabilizer and should be a first priority in actions taken to improve healthcare in the individual market.

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Hybrid High-Risk Pools Position Paper
December 03, 2019 | high-risk pools
Dec
02

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Access, Choice and Affordability: NABIP's Health Reform Principles

December 02, 2019 | Health Reform

NABIP believes that Americans deserve a healthcare system that delivers both world-class care and financial security. This system should be accessible, it should provide consumers with choice in coverage options and providers, and it should focus on containing cost burdens to make coverage affordable to all Americans. Despite the passage and implementation of the Patient Protection and Affordable Care Act (ACA), our nation’s individual and business consumers of healthcare still face many challenges. NABIP urges Congress and the Administration to build upon the existing strengths of our private-market system to achieve a bipartisan, workable health-reform solution.

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Access, Choice and Affordability: NABIP's Health Reform Principles
December 02, 2019 | Health Reform
Sep
16

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Long-Term Care Position Paper

September 16, 2019 | Long-term Care

Given the lack of financial preparedness for the potential future need for long term care services and supports (LTSS), individuals, employers and policy-makers need to find solutions to an increasingly growing problem as the population ages. Educating Americans about the potential need for LTSS, their role in providing for care, what care is currently covered under existing programs, and the value of purchasing LTCI as part of an overall retirement strategy is very important.

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Long-Term Care Position Paper
September 16, 2019 | Long-term Care
Jan
01

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Individual Health Insurance Challenges and Solutions

January 01, 2016 | Individual Health Insurance

Did the market reforms imposed by the ACA work? From the perspective of barriers to coverage, the primary barrier today is not the inability to find coverage if you are sick but rather the ability to pay for coverage regardless of your health status. Health insurance costs continue to rise as the underlying cost of healthcare skyrockets. There needs to be a significant increase in the number of low risk individuals in the insured pool. NABIP believes we can achieve the greatest positive impact by empowering the competitive forces inherent within the private-market system through five key solutions.

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Individual Health Insurance Challenges and Solutions
January 01, 2016 | Individual Health Insurance
Jun
01

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Healthcare Cost Drivers White Paper

June 01, 2015 | Healthcare Costs

Like the problem of the uninsured, there is neither one cause nor one solution to containing the rising cost of health insurance. In order to develop effective private and public policy solutions to contain the cost of health care, NABIP has identified the major factors contributing to this national crisis and recommends solutions to lower costs, improve quality, and create greater efficiency and better access to care in the U.S. health care system.

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Healthcare Cost Drivers White Paper
June 01, 2015 | Healthcare Costs


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