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PPAC and Its Possible Effects on Medical Expense Tort Damages

BY H. Thomas Watson
September 28, 2011

In last month's issue, we began a discussion of how the mandatory health insurance requirement of the Patient Protection and Affordable Care Act of 2010 (PPAC) could work to reduce the amount of tort damages recoverable for medical expenses. We continue herein.

'Billed' Rate an Avoidable Consequence with
'Negotiated' Rates Now Available to All

PPAC dramatically increases the availability of medical insurance. Beginning in 2014, PPAC sections 1501 and 1502 will require all individuals to obtain and maintain health insurance, and PPAC section 1201 will prohibit health insurers from discriminating against individuals or participants on the basis of health status, including pre-existing conditions. Thus, health insurance policies must be offered on a guaranteed issue and guaranteed renewal basis.

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