Health Insurance Rate Watch Project

Arizona PIRG Education Fund's Health Insurance Rate Watch Project is conducting in-depth analysis of insurers' rate hike requests, sharing our findings with state officials and the general public, and encouraging the public to participate in Arizona’s rate review process.

FIGHTING UNJUSTIFIED PREMIUM HIKES

It’s time for health insurers to get serious about lowering the cost of care by cutting waste and focusing on preventive care that gets results—instead of raising deductibles and hiking premiums. The Arizona PIRG Education Fund’s Health Insurance Rate Watch Project is working to make this a reality.

The Arizona PIRG Education Fund’s Health Insurance Rate Watch Project will investigate the biggest rate hike proposals and alert officials to areas of waste and concern. We will then mobilize the public to encourage state decision makers to stand up for consumers.

WHAT’S AT STAKE
Health care costs too much, delivers too little in return, and is squeezing the budgets of families and small businesses across the state. Health insurance companies could be lowering costs by cutting administrative bloat, driving a hard bargain with hospitals on prices, paying doctors to keep people healthy rather than to order expensive treatments, and passing on those savings to customers. But too often, they just keep raising rates on their customers without performing these functions.

Before insurance companies hike rates, they need to demonstrate that they are doing everything they can to keep rates down. State officials need to be able to scrutinize these rate hikes to make sure every red cent is justified—and reject them if they are not. When public pressure has been brought to bear on rate increases, dramatic savings have been won for consumers. 

Issue updates

Report | Arizona PIRG Education Fund | Health Care

So you need health insurance? Now what?

The Arizona PIRG Education Fund has issued a guide to understanding your health insurance options and rights. The guide provides definitions of health insurance terms and tips for finding health insurance that won’t break the bank.

> Keep Reading
Report | Arizona PIRG Education Fund | Health Care

So You Have Health Insurance. Now What?

So You Have Health Insurance. Now What? provides tips for Arizona consumers deciding whether to keep their individual health insurance plan or switch to a new plan.

> Keep Reading
News Release | Arizona PIRG Education Fund | Health Care

With Beginning of Open Enrollment for Health Insurance, Efforts to Educate & Enroll Young Adults are Underway

With open enrollment for the Health Insurance Marketplace just underway, Pima Community College leaders, the Interim Regional Director for Health & Human Services (HHS) and members of the Cover Arizona coalition highlighted efforts to educate and enroll young Arizonans in health insurance.

> Keep Reading
News Release | Arizona PIRG Education Fund | Health Care

Phoenix College President, HHS Interim Regional Director, Cover Arizona Announce Plans to Educate and Enroll Arizonans

With the Health Insurance Marketplace set to open on November 15, Phoenix College leaders, the Interim Regional Director for Health & Human Services (HHS) and members of the Cover Arizona coalition announced plans to educate and enroll Arizonans in health insurance. Participants also provided tips on what Arizonans need to know to receive new health insurance or renew their existing insurance.

> Keep Reading
News Release | Arizona PIRG Education Fund | Health Care

College Grads: Is it Time for You to Review Your Health Coverage Options?

As the Class of 2014 graduates from Arizona colleges this month, many new degree-holders will take time to look for work in their chosen field, consider pursuing a higher degree or ponder their next move. Whichever path they choose, one of those important steps should include evaluating whether they will experience any gaps in health coverage during this time period.

> Keep Reading

Pages

News Release | Arizona PIRG Education Fund | Health Care

With Beginning of Open Enrollment for Health Insurance, Efforts to Educate & Enroll Young Adults are Underway

With open enrollment for the Health Insurance Marketplace just underway, Pima Community College leaders, the Interim Regional Director for Health & Human Services (HHS) and members of the Cover Arizona coalition highlighted efforts to educate and enroll young Arizonans in health insurance.

> Keep Reading
News Release | Arizona PIRG Education Fund | Health Care

Phoenix College President, HHS Interim Regional Director, Cover Arizona Announce Plans to Educate and Enroll Arizonans

With the Health Insurance Marketplace set to open on November 15, Phoenix College leaders, the Interim Regional Director for Health & Human Services (HHS) and members of the Cover Arizona coalition announced plans to educate and enroll Arizonans in health insurance. Participants also provided tips on what Arizonans need to know to receive new health insurance or renew their existing insurance.

> Keep Reading
News Release | Arizona PIRG Education Fund | Health Care

College Grads: Is it Time for You to Review Your Health Coverage Options?

As the Class of 2014 graduates from Arizona colleges this month, many new degree-holders will take time to look for work in their chosen field, consider pursuing a higher degree or ponder their next move. Whichever path they choose, one of those important steps should include evaluating whether they will experience any gaps in health coverage during this time period.

> Keep Reading
News Release | Arizona PIRG Education Fund | Health Care

Arizona PIRG Education Fund Helps Young Adults Navigate New Health Insurance Landscape

With major components of the Affordable Care Act about to go into effect, the Arizona PIRG Education Fund launched a statewide education campaign to reach Arizona college students and others with facts about the law and tips to help them find coverage. As part of this effort, the Arizona PIRG Education Fund released their new guide So You Need Health Insurance. Now What? Arizona Health Insurance 101.

> Keep Reading
News Release | Arizona PIRG Education Fund | Health Care

Groups Launch “Cover Arizona Week” Targeting Uninsured Statewide

This week, Cover Arizona, a coalition of organizations dedicated to the health and well-being of Arizonans, will host more than 50 community events statewide to provide opportunities for the uninsured to “Get Covered.”

> Keep Reading

Pages

Report | Arizona PIRG Education Fund | Health Care

So you need health insurance? Now what?

The Arizona PIRG Education Fund has issued a guide to understanding your health insurance options and rights. The guide provides definitions of health insurance terms and tips for finding health insurance that won’t break the bank.

> Keep Reading
Report | Arizona PIRG Education Fund | Health Care

So You Have Health Insurance. Now What?

So You Have Health Insurance. Now What? provides tips for Arizona consumers deciding whether to keep their individual health insurance plan or switch to a new plan.

> Keep Reading
Report | Arizona PIRG Education Fund | Health Care

A Glimpse into Arizona’s Health Insurance Rate Review Program

The purpose of A Glimpse into Arizona’s Health Insurance Rate Review Program is to provide an initial analysis on how effectively Arizona is reviewing health insurance rate filings for the individual market since being awarded status as a State with an Effective Rate Review Program.

> Keep Reading
Report | Arizona PIRG Education Fund | Health Care

Getting All the Cards on the Table

States do have options to increase transparency so consumers have better information and are better protected against unreasonable rate increases. One important opportunity is through a process called rate review, which can potentially empower consumers by requiring insurers to make information on why rates are increasing publically available.

> Keep Reading
Report | Arizona PIRG Education Fund | Health Care

Making the Grade

When it comes to health care, there are few magic-bullet solutions for the many problems consumers face in the marketplace: insurers don’t compete for their business, leading to higher prices and lower quality. Important information about coverage is buried in the fine print, making it hard to know what’s really covered or which plan is right. And costs are continuing their unsustainable rise.

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Pages

Blog Post | Health Care

The U.S. Supreme Court & the High Cost of Rx Drugs | Diane E. Brown

Everyone knows prescription drugs cost much more than they should. But many people are surprised to learn about one of the key ways drug companies keep prices high: Paying off competitors to keep generics off the market.

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Blog Post | Health Care

What's Next on Health Care Costs? | Diane E. Brown

Now that the election is over, talk has turned to the need to work together and get results for America. It’s a tall order, and on the polarized issue of health care, it may seem at first like an impossible task. But I am hopeful that we can make significant progress together.

> Keep Reading
Blog Post | Health Care

Here’s that Rx refill you didn’t order | Diane E. Brown

Is your pharmacy refilling your prescription without your knowledge or approval, and billing your insurance company for the cost? If so, it’s the latest example of waste we shouldn't tolerate in our health care system.

> Keep Reading
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