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health insurance

The state of North Dakota could be a step closer to adopting a “self insurance” plan for state employee health care coverage.

An amendment attached by the House to the budget bill for the Public Employees Retirement System says the PERS board must solicit bids for health insurance over the next two year period, and that “request for proposals” must include an option for self-insurance. The amendment says PERS cannot issue a contract until it receives input from the Legislature.

Rep. Mike Lefor (R-Dickinson) said self-insurance is a good option.

An amendment to the budget bill for the North Dakota Insurance Department caused some controversy during House debate Monday (April 15).

The amendment said an insurance policy may not take into account any pre-existing conditions.

Rep. Rick Becker (R-Bismarck) objected.

"In essence, what we're saying is, if the ACA dissolves or morphs into something totally different, we like it so much here in North Dakota that we're going to put significant components of the ACA into our own statute,"Becker said. "I think that is a pretty rotten part of this bill."

'Invisible reinsurance program' bill introduced

Jan 15, 2019

It’s called an “invisible reinsurance program.”

And a bill to create it in North Dakota was in a joint hearing of the House and Senate Industry, Business and Labor Committees Tuesday.

It was proposed by North Dakota Insurance Commissioner Jon Godfread. He said this bill deals with people who buy insurance in the marketplace.

"That's where we've seen a lot of the turmoil," Godfread said. "We've seen a lot of folks who make too much for a subsidy (under the Affordable Care Act), and have faced year after year of double-digit premium increases."

The US Department of Labor recently issued its Final rule on Association Health Plans. 

The rule will allow associations to sponsor group health coverage,

And North Dakota Insurance Commissioner Jon Godfread believes it will help some people find affordable health insurance. Godfread said this will help a segment of the population that he believes was overlooked in the Affordable Care Act.

North Dakota’s Insurance Department has begun a market conduct examination of Blue Cross-Blue Shield of North Dakota.

"I use the term loosely -- kinda looking under the hood, a little bit," said state Insurance Commissioner Jon Godfread.

Godfread says if you look across the country, most major insurance companies get examined every three to five years.

"This isn't anything out of the ordinary," Godfread said. "It's one of my duties as Insurance Commissioner to ensure that our consumers are getting the services they're being promised."

A new law designed to protect consumers from massive air ambulance bills took effect in North Dakota on Monday.

North Dakota Insurance Commissioner Jon Godfread says air ambulance service can be a frequent mode of transportation of patients to emergency medical care in rural states - but many patients are then sent outrageous bills for that service. He says consumers in North Dakota have reported bills totaling anywhere from $20,000 to $60,000. Godfread says now every health insurance plan sold in North Dakota is required to protect its consumers from these bills.

Godfread: Good idea to shop for health insurance

Oct 30, 2017

Open enrollment for health insurance begins Wednesday.

It’s a short window – open enrollment closes December 15th.

North Dakota Insurance Commissioner Jon Godfread is urging those who will purchase insurance on the individual market to shop for the best plan.

"If you do not receive a subsidy, but you're in the individual market, you need to go out and shop, Godfread said. "It would be a pretty good idea, in my opinion, to go out and meet with an insurance agent and really walk through your options."

Sanford Health Plan will be offering health insurance coverage in five North Dakota counties on the Affordable Care Act Exchange

Sanford’s TRUE plan will be available in Traill, Cass, Oliver, Burleigh and Morton counties.

North Dakota Insurance Commissioner Jon Godfread said this follows his announcement last week that he would not re-open a rate discussion after President Trump signed an order ending cost-sharing reduction payments to insurance carriers, to reduce rates for lower-income subscribers.

03054 CSR payments                                             8-11-17 ddt

North Dakota’s Insurance Commissioner said health insurance companies are wondering if the “CSR” payments from the federal government will continue.

“CSR” stands for “Cost Sharing Reductions.” It’s part of the Affordable Care Act. Insurance companies get direct payments to help low-income people cover the costs of co-insurance and deductibles.

President Trump has threatened to withhold those payments, after attempts to repeal and replace the ACA have failed.

ND Legislature

An interim legislative committee has begun its study of health insurance for state employees.

The Health Care Reform Review Committee will be looking at the state's current plan -- a hybrid between fully-funded and self -funded -- a full-funded plan, or a self-insurance proposal.

That panel was assigned the study, after the 2017 Legislature debated whether the state should go to a self-funding option. Supporters believe it could be a way to control costs.