other groups, organizations, and faith communities and sign the
Guiding Principles - Link
to Why Sign?
Affordable Care Act (ACA) requires the establishment of health insurance
marketplaces, called “exchanges,” in every state. Exchanges
are designed to bring high-quality, easy-to-understand health coverage
options to individuals and small businesses. The law envisions that
states will establish their own exchanges; however, the federal
government will establish an exchange in any state that fails to
purpose of these guiding principles is to educate government officials
and the public about fundamental protections necessary to ensure
that the Tennessee Health Insurance Exchange will meet the needs
of individual consumers and small employers it is designed to serve.
A more detailed explanation
of each principle is provided in the succeeding pages.
The Health Insurance Exchange (Exchange) will be designed to succeed
— attractive to all stakeholders, well regulated, and financially
Pools: The Exchange will ensure adherence to standards
that prevent adverse selection of enrollees in all health insurance
plans, both within and outside the Exchange.
Representation: The Exchange will ensure that consumers
— individuals, families, and small businesses — are
well represented in the development of all policies and procedures
related to the Exchange.
Governance: The Exchange will be governed in
accordance with standards of transparency and public accountability
to insulate it from undue commercial or political pressure.
Options: The Exchange will provide a manageable
number of choices among high-quality, affordable health plans
with concise, comparative information on the benefits and costs
of options, including the availability of particular specialty
services in each geographic service area.
Process: The Exchange will make eligibility determination,
enrollment, and renewal or change of health coverage simple, seamless,
and consumer-friendly, requiring a single application for all
health plan options, including TennCare and CoverKids.
Health Benefits: The Exchange will ensure that enrollees
have access to physical and behavioral health services that adhere
to guidelines developed by the American Academy of Pediatrics,
the Institute of Medicine, and the Substance Abuse and Mental
Health Services Administration.
Provider Network: The Exchange will foster broad
access to comprehensive, coordinated health care of high quality
through a diverse, robust network of health care providers.
the League of Women Voters of Tennessee and other
organizations in supporting these principles, please
complete information below and "Click to Sign Principles."