American Heart Association CEO Nancy Brown issued the following statement today on a proposed rule released late last week by the US Department of Labor that would expand the use of association health plans (AHPs):

“This proposed Department of Labor rule is the first of several anticipated rules that could erode coverage and raise costs for patients with cardiovascular disease (CVD). It would allow associations to sell health plans with fewer consumer protections—putting patients with pre-existing conditions, like heart disease and stroke, at a much greater risk.

In the past, AHPs have offered low premium coverage to individuals who have limited or no access to employer-sponsored coverage, but with high out-of-pocket costs. This new rule, if finalized, would allow AHPs to go further by eliminating coverage for needed services included in the essential health benefits package—like hospitalization, emergency care, rehabilitation services, and prescription drugs. Those who are drawn into these plans could find their coverage inadequate and very costly in terms of their out-of-pocket expenses when they get sick. By attracting healthier individuals into these AHPs, those who remain on the individual market could see their premiums spike.

The Trump Administration’s and Congress’s efforts to undermine the Affordable Care Act, including the mandate repeal, a shorter enrollment period, and cuts to consumer outreach combined with this proposed rule will have a devastating impact on Americans struggling with cardiovascular disease. With fewer young and healthy individuals participating in the individual market, CVD patients will likely see their insurance premiums rise dramatically, making it much more challenging to secure the care they deserve.

The association is reviewing this proposed rule in detail and will continue to encourage the Department of Health and Human Services to put the complex needs of Americans with CVD first.”