News Headlines Article

Could narrow networks discourage expensive consumers from enrolling?

Insurers have clearly demonstrated their belief that narrow network plans will help them soften the impact of rising costs associated with new members under the reform law.

But could the increased use of narrow networks also be a strategy to help avoid enrolling consumers with expensive, pre-existing conditions? The reform law prohibits insurers from denying coverage to people with pre-existing conditions, but those consumers are likely to opt for plans with access to a wide selection of providers to care for their chronic conditions rather than plans with narrow networks, the New York Times reported.