Albany, NY - Lawmakers in Albany were to hear today from frustrated consumer advocates who say health insurance premiums have more than doubled since the rate hike approval process was streamlined in 2000. They want more regulatory authority restored to the state's Insurance Department.

One New Yorker, Jim Shea, who would like to testify before the hearing in the Assembly's Insurance Committee, is too weak to travel. Up until nine years ago, Shea, who lives in Brooklyn and is HIV-positive, used to testify at hearings in New York City when the insurance industry wanted to raise his premiums. The hearings stopped in 2000 when the process of rate hike approval was streamlined, so Shea now has little say over what he's charged for the private plan that supplements his Medicare.

"The insurance is only paying for my drugs and 20 percent of my other medical costs, and yet they're charging me $893 dollars a month for my health insurance."

And it's going up yearly. The Health Care for All New Yorkers coalition will tell Assembly members how premiums have skyrocketed since 2000, when the change allowed companies to file for an increase and put it into effect without prior approval from the state, a procedure known as "file and use."

Heidi Siegfried, health policy director for the Center for Independence of the Disabled NY, says that before that came into effect, citizen input was part of the process.

"There were public hearings that were held so that more than just the Insurance Department could scrutinize the claims that the health insurance industry was making. You know - their books were open!"

The legislation proposed by Governor David Paterson wouldn't reinstate the hearings, but would give the Insurance Department back its prior-approval authority. Siegfried says that from 1996 to 1999, annual health insurance premium rate increases averaged 7.5 percent. From 2000 to 2006, after prior approval was replaced by "file and use," rates went up an average of 15.9 percent.

"Some just people think it's too complicated an issue to understand. So, we're trying to simplify it and just say, 'We can't deal with these increases and we should be able to scrutinize the health insurance companies.'"

Jim Shea says every year the cost of his private health insurance goes up by about 100 dollars. The burden, he says, is almost too much to bear.

"It's more than my housing. I no longer have a car. I don't take vacations. I mean, it's the most expensive expenditure I have and it's spinning out of control, and I have no choice but to pay it."

The insurance industry says the proposed change will amount to arbitrary price controls.



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After more than 50 years of use, some Michigan lawmakers say naloxone may not be the best choice in an overdose situation.

Naloxone is sometimes called the "Lazarus drug" because of its powerful ability to seemingly resurrect people after a drug overdose.

Sen. Kevin Hertel, D-St. Clair Shores, and some of his colleagues have introduced a bill which would open the door for what they say are more costly, but more powerful, antidotes.

"Given the prevalence of fentanyl in our communities, and how much stronger some of these drugs that we're now seeing are, we believe -- and in talking with others -- that there should be other tools to respond to an overdose," Hertel explained. "To make sure we're doing everything we can to save somebody's life."

Not everyone is on board with the proposed legislation, Senate Bill 542. Opponents argued the more expensive naloxone alternatives are not necessary, and using them would only increase profits for the pharmaceutical industry.

Jonathan Stoltman, director of the Opioid Policy Institute in Grand Rapids, said while the naloxone alternatives do help in overdose situations, they can also cause nasty side effects.

"The newer approaches, they put people into more severe withdrawal," Stoltman pointed out. "That's a pretty profound negative side effect. The one approach is very inexpensive and works great; the other approach is far more expensive and has this strong negative side effect."

Sponsors of the bill say they're hoping to give Michigan residents a chance to chime in on the issue in a public hearing sometime in June. Michigan saw more than 3,000 opioid overdose deaths in 2021.


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New Mexico saw record enrollment numbers for the Affordable Care Act this year and is now setting its sights on lowering out-of-pocket costs - those not reimbursed by insurance. More than 56,000 New Mexicans are enrolled in a medical health insurance plan on the state exchange - an increase of 12,000 people overall.

Colin Baillio, deputy superintendent with the state's Office of Insurance, said the state has boosted its outreach and made efforts to improve the overall consumer experience.

"We saw a 40% year-over-year increase, and New Mexico saw the biggest percentage increase during the open-enrollment period among all of the state-based marketplaces," he explained

Part of the enrollment increase is due to what's called the "unwinding" - a federal directive that required all states to redetermine Medicaid eligibility following a three-year pause on checks during the COVID pandemic. He said by using expanded tools made available by the federal and state government, 8% of New Mexico's population is now uninsured - down from 23% in 2010.

Following approval by lawmakers in the 2024 legislative session, the New Mexico governor signed seven health care-related bills into law - one of which requires annual reporting of prescription drug pricing. Baililo said the Affordable Care Act built the foundation that has allowed the state to pursue additional affordability initiatives.

"I'm really glad to see that there's so much interest in the next step of health reform, really leaning into these out-of-pocket cost issues and making it easier for people to afford to stay covered and see their doctors," he continued.

Two years ago, the state also passed a one-of-a-kind law that did away with behavioral health co-pays for people in certain insurance plans.

New York's medical aid-in-dying bill is gaining further support. The Medical Society of the State of New York is supporting the bill. New York's bill allows terminally ill people with only six months to live to use this option, with safeguards requiring two physicians' approval.

The bill's Assembly sponsor Amy Paulin, D-Westchester, said despite the growing support, other hurdles lie ahead.

"Now we have what I believe, if it came to the floor, a majority. There's still a hesitation on the part of leadership. You know, we need members to assure leadership that they no longer have reservations," she said.

Other newly resolved concerns center on making sure insurance companies and doctors who don't support this aren't held liable. She's optimistic the bill will pass after nine years in the Legislature. New York would be the 11th state along with Washington, D.C. to have medical aid in dying legislation.

Corinne Carey, senior New York campaign director with Compassion and Choices finds the pandemic drew a vivid picture of a person's end-of-life experience. There were images of people dying on ventilators, apart from loved ones, and unable to communicate. She said people began thinking about a "good death."

"And, what is a good death is being surrounded by loved ones, having some measure of control, experiencing the touch of your loved ones, and being the one in the driver's seat," she explained.

Now people have different options for end-of-life care, each of which presents various challenges. Polls show medical aid in dying has garnered considerable support since being introduced in 2015. A 2022 Compassion and Choices poll finds 57% of nurses support medical aid in dying professionally, although fewer support it personally.