The Trump Administration has been looking for lifeboats for Americans trapped in ObamaCare exchanges, and one project is to expand “association health plans,” or AHPs, that let employers team up to offer coverage. But the fine print in the proposed Labor Department rule is causing concern and needs to be cleaned up.
The issue is whether the Trump rule will let association health plans set prices based on risk, which is how insurance is supposed to work. The point of the rule is to let businesses enjoy the flexibility that large employers have under a law known as Erisa. Under the Affordable Care Act bigger businesses have fared much better than those stuck in the small group market, which is heavily regulated.
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