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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

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Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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The ACA and mental health coverage

Addiction services researcher Keith Humphreys and Harold Pollack discuss health reform's implications for mental health treatment

Curbside Consult with Keith Humphreys

Perhaps the most under-covered aspect of health reform is its dramatic expansion of coverage for the treatment of psychiatric and substance abuse disorders. The Affordable Care Act’s Medicaid expansion will finance care for millions of low-income Americans, now uninsured, who suffer from these conditions.

ACA’s fine print expands the scope and generosity of mental health and substance abuse services in many others ways, too. Substance abuse services are essential health benefits within the new health insurance marketplaces, for example.

I caught up with Stanford University’s Keith Humphreys to discuss these provisions. Keith is an addiction services researcher and clinician at the VA. He has treated many veterans for substance use disorders, PTSD, and other conditions.

During 2009 and 2010, Keith served as Senior Policy Advisor in the White House at the Office of National Drug Control Policy. He was an important figure in the crafting and passage of the substance abuse provisions of health reform.

We had a wide-ranging conversation about substance abuse treatment, the surprising effectiveness of Alcoholics Anonymous, the harms associated with alcohol, the 2,000 detained individuals with psychiatric disorders (typically with co-occurring substance use disorders) held in our gigantic Cook County jail at 26th and California.

Keith is an old friend. If you enjoy his work, you might read his work at samefacts.com, where my own work sometimes appears.

Mental health and substance abuse treatment in America

In Part 1, Keith and I discuss common fallacies about who receives the lion’s share of mental health and substance abuse treatment in America. They also talk about the link between substance abuse and crime. The two researchers also compare notes on Alcoholics Anonymous and its efficacy.

In Part 2, I talk with Keith about the “pre-story” of mental health reform, including Humphreys’ involvement in a 12-year fight for mental health parity.

In Part 3, we discuss the impact and importance of Obamacare on mental health and substance abuse coverage for Medicare enrollees. They also discuss briefly whether the expansion of mental health services helps decrease the incidence of violent crime.

In Part 4, we look at challenges for states in delivery of mental health services. The two also talk about whether there’s capacity within the system to deal with expanded Medicaid coverage of treatment services.

I hope you enjoy our conversation.

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