Sec. 1311 Affordable Choices for Health Benefit Plan
Overview. States must establish American Health Benefit Exchanges through which insurers will offer “qualified health plans” and implement a Small Business Health Options Program (SHOP Exchange) that will assist small business owners in providing health insurance for their employees.1
· Criteria. Issuers may list plans on the Exchange by meeting the Secretary of Health and Human Services’ criteria for designation as a “qualified health plan.”2 At minimum, the Secretary must require plans to meet nine criteria identified by the ACA. These criteria address issues such as marketing requirements, choice of provider, and include the following health information requirements:
o Plans must be accredited, or obtain accreditation within a time period established by the Secretary, “with respect to local performance on clinical quality measures” (e.g. Healthcare Effectiveness Data and Information Set), “consumer access, utilization management, quality assurance, provider credentialing, complaints and appeals, network adequacy and access, and patient information programs.”3 The Secretary will recognize entities that may provide such accreditation.
o Plans must “report to the Secretary at least annually and in such manner as the Secretary shall require, pediatric quality reporting measures consistent with the pediatric quality reporting measures established under section 1139A of the Social Security Act.”4
· Internet Portal. The Secretary must maintain an Internet portal, assist states in maintaining
an Internet portal and create a template for State Internet portals that will assist consumers in purchasing plans on the Exchanges.5
· Rating System. The Secretary must establish “a rating system that would rate qualified health plans offered through an Exchange in each benefits level on the basis of relative quality and price.6 Exchange Internet portals must make these ratings available to employers and individuals.7
· Transparency. The ACA requires transparency in coverage. To that end, plans must submit data regarding enrollment, disenrollment, claims denials, and any other such information as the Secretary may require to the Secretary, the State Exchange, and the State Insurance Commissioner.8
· Quality Incentives. The Secretary will develop a quality improvement incentive program to reward plans that take actions such as implementing patient safety and care improvement activities that include the use of health information technology.9
Sec. 6005 Pharmacy Benefit Managers Transparency Requirements
Reporting. Health benefits plans and entities that administer “pharmacy benefits management services” (PBMs) pursuant to contracts with “a PDP sponsor of a prescription drug plan or an MA organization offering an MA-PD plan under Part D of title XVIII” or “a qualified health benefits plan offered through an exchange established by a state under Section 1311 of the [ACA]” must report to the Secretary of Health and Human Services the following
prescription information:
o The percentage of prescriptions filled through retail pharmacies in comparison to mail order pharmacies.10
o The percentage of prescriptions filled with a generic drug, when available. This data must be broken down into pharmacy type (e.g. supermarket pharmacy, independent pharmacy). 11
o The aggregate difference between the amount paid by health plans to PBMs and the amount paid by PBMs to retail and mail order pharmacies. This data must include the total number of filled prescriptions. 12
· Disclosure. The information is confidential, but the Secretary may disclose it for limited purposes so long any information identifying a PBM, plan, or prices is withheld. These purposes include: (1) use of the information for the purposes of this section or part D of
XVIII; (2) review by the Comptroller General; (3) review by the Director of the
Congressional Budget Office; and (4) use by the States in carrying out ACA Section 1311.13