MADISON, Wis. -- Arguments begin before the U.S. Supreme Court today in the latest challenge to the Affordable Care Act. Wisconsin officials hope those in need of health coverage don't shy away from enrolling simply because the case is being considered.
It's the third time the nation's highest court has been asked to review the law, which was enacted a decade ago. The latest challenge comes in the middle of open enrollment for federal and state marketplaces.
Nathan Houdek is Wisconsin's deputy commissioner of insurance. He noted most legal observers predict a final decision next spring or summer, meaning during the crisis, many people who are struggling still will need help.
"It's important that people do sign up for coverage again so they have coverage starting Jan. 1, because regardless of what the court is gonna do, people can't wait around to see what's gonna happen," Houdek said.
The department says for 2021, rates on the individual market will be more than 3% lower on average. Opponents of the law have said it's unconstitutional to have Congress require people to have health insurance.
Meanwhile, a new report from Wisconsin's Kids Forward group says ACA enrollment in the state has declined under the Trump administration and its attempts to undermine the law. That report says Wisconsin's annual enrollment total has gone down by nearly 50,000 since 2017.
Still, Houdek said, despite repeated legal and legislative attempts to repeal it, the law largely has stood intact and become fully integrated into the nation's health care system.
"Because it has been in place for 10 years, people, I think, sometimes forget what the health marketplace looked like prior to the ACA," he said.
He said before the law was enacted, more than half-a-million Wisconsin residents lacked coverage. That number has been reduced by more than 200,000 over the past decade. He said it's not just enrollment - components such as protections for pre-existing conditions have been beneficial.
Supporters of the law worry the latest challenge might be successful because the court has become more conservative-leaning with the addition of Justice Amy Coney Barrett this fall.
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Lawmakers in Olympia this session moved to add more protections for consumers against predatory loans.
Washington state lawmakers passed Senate Bill 6025 unanimously in both chambers, closing a loophole companies were using to evade caps on the amount of interest charged on loans.
Sam Leonard, an attorney in Seattle, said tech companies providing financial services such as loans would charter out of state banks, especially in Utah, where lenders can charge unlimited interest rates.
"These fintech lenders a lot of times will charge 150, 200% interest on relatively small dollar loans, $3,000, $5,000 and the like," Leonard explained.
Washington state has a set of protections called the Consumer Loan Act to shield people from predatory loans. Leonard said capping interest rates at the federal level would help people across the country.
However, he emphasized the bill goes a long way to increase protections for Washingtonians.
"Not a lot of states at this time have passed similar legislation," Leonard pointed out. "Washington is out in front of the curve with regard to protecting low-income Washingtonians or other Washingtonians that might enter into these predatory loan products."
Leonard added the issue with predatory loans is they keep people in continuous debt cycles.
"Loan products like these essentially strip low-income individuals' ability to improve their economic situation," Leonard noted.
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While there's snow in the immediate forecast, the spring storm season has arrived in Minnesota and state officials said with complaints related to homeowner insurance claims on the rise, it is important to monitor changes in policies.
The Minnesota Commerce Department said complaints from policyholders, largely stemming from their claims being denied, have more than doubled since 2020.
Julia Dreier, deputy commissioner of insurance for the Minnesota Department of Commerce, said under a changing climate, the nation is seeing plenty of extreme weather events resulting in wind and hail damage, and insurance companies are adjusting to what's happening.
"Insurance costs are going to increase," Dreier pointed out. "We do want to make sure that Minnesotans are prepared."
As some carriers narrow what is covered or require higher deductibles, Dreier urged consumers to carefully review their policy when it is up for renewal, to avoid surprises when they have to file a claim. The department acknowledged changes can slip under the radar when consumers rely on paperless statements sent via email, or with busy schedules preventing them from reading all the fine print in documents they receive.
The department emphasized it is a complicated process in getting complaints resolved, noting some can be partially reversed in favor of the homeowner. Dreier noted they work closely with the industry to make sure a company's actions are within the letter of the law.
"One of our jobs is to make sure that insurance companies aren't doing something unethical when they're submitting their policy forms to us and their rates to us for review," Dreier added.
The department does have a new video on its YouTube channel, which offers more details on how to better prepare yourself ahead of any future claims, including knowing whether your policy offers flood protection and assessing the value of items in your home.
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Wisconsin has announced a big development in trying to establish more digital equity around the state.
Gov. Tony Evers and the Public Service Commission say Wisconsin's blueprint for digital equity has been accepted by the National Telecommunications and Information Administration.
That means the state is eligible for up to $30 million to implement its approach over the next five years.
Martha Cranley - state director for AARP Wisconsin - called it a robust plan, noting that older populations continue to face challenges in being connected to the digital world.
"We know that at least 15% of people 50-plus in Wisconsin are not connected," said Cranley, "either because the wires simply don't come to their house, or they don't have a device, or they don't know how to use it."
Cranley said the lack of connection is especially concerning in rural areas across northern Wisconsin, where aging communities have limited resources.
Stakeholders also note an infusion of new aid is helpful with the federal government's Affordable Connectivity Program - which provides discounts on monthly internet bills for eligible households - in danger of running out of money.
Cranley said the state's plan came together following extensive public outreach, in which her organization helped convey the need for improved internet access for those 50 and older.
"They certainly heard from older people about how important this is to connect to their doctor," said Cranley, "and to connect to government services, and frankly, find employment."
Overall, Evers says the plan's federal approval means more than 410,000 homes and businesses will be better positioned to be connected to new or improved high-speed internet service.
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