Do health insurance providers use data on social determinants of health to set premiums?
Health insurance providers do not use any data on social determinants of health—absolutely none—to set premiums. It’s the wrong thing to do, and it violates federal law. State officials also exercise strict oversight over premiums, reviewing each and every proposed rate, and carefully considering how they were determined.
We build customized programs that help improve the health of individuals, families, and communities. We help people quit smoking, understand healthy food choices, and arrange transportation to see their doctor or visit their pharmacy.
Are health insurance providers committed to data security and privacy?
Health insurance providers are committed to protecting patient data – period. Privacy, confidentiality, and security are the essential foundation of medical care. And we are determined to protect it.
We meet and exceed strict federal and state requirements to protect member information. We are vigilant to threats by continuously improving our security solutions and adopting the latest and most proven approaches to keep bad actors out.
Technology is a great resource. It also comes with a serious responsibility to protect the information and privacy of the people we serve. By making the best use of the technologies available, health insurance providers can drive affordability, choice, and value, while providing consumers with the simplified access, integrated care, and customized access they expect and deserve.
How are health insurance providers working with local governments to address social challenges to better health?
Health insurance providers often partner with local government policymakers with innovative programs to help patients improve their lives and access affordable, high-quality health care. Whether it’s working with a local housing authority to build affordable senior housing or investing in state initiatives to fight homelessness, health insurance providers are working together with their local governments and community organizations to build stronger, healthier communities.
Additionally, using Project Link as our foundation, AHIP will develop research and policy agendas at both the state and federal level to improve the health, well-being, and financial stability for consumers, patients, and taxpayers. Because when the public and private sectors work together, Americans win.