About the Project

All consumer advocates need to know about private insurance:

  • What is health insurance and how does it work?
  • How do people get health insurance today?
  • How will health insurance change under health care reform?


The national debate over health care reform focused attention on health insurance industry practices that make it difficult for millions of Americans to get health insurance - including medical underwriting, rescission of coverage, and rate discrimination. The Affordable Care Act ends most of these practices, but there will be significant work ahead to ensure state and federal rules are fair, adequate and enforced.

Consumers and their advocates must be prepared now to be active participants in policy development, implementation and monitoring. Consumer input is critical to building protections at federal and state levels to increase access to insurance.