New rules require plain-English summaries of health insurance plans


Insurers wanted the rules to take effect 18 months after HHS finalized its regulations. Instead, the department gave them roughly six months.

Consumer advocates had said plans’ premiums should be noted on the summary of benefits. Although that’s not required under the healthcare law, consumers recently said “it is intuitively obvious that premium information greatly increases a consumer’s understanding of his or her options.”

HHS said Thursday that premiums don’t need to be a part of the coverage summary.

“Let’s be clear — people get premium information,” said Steve Larsen, the director of the HHS office that is implementing most of the healthcare law.

Benefit summaries will offer examples of how a plan would cover certain healthcare procedures — such as a pregnancy and managing diabetes. HHS previously considered using breast-cancer treatments as a third example, but axed it from the final rules. Larsen said there are simply too many variations from patient to patient in how breast cancer is treated.