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

Blog Post | Health Care

PIRG applauds decisions blocking health insurance mega-mergers | Jesse Ellis O'Brien

This week, in a big win for consumers, a district court took action to block the proposed merger between health insurance giants Anthem and Cigna. This decision follows a ruling last month that blocked the proposed merger of two more of the nation’s biggest for-profit health insurers, Aetna and Humana. These decisions come after months of work by U.S. PIRG and a broad coalition of consumer and health care groups, urging close scrutiny of the mergers from state and federal regulators and raising questions and concerns about the potential impact of the mergers.

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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.

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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.

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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.

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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.

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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.

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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.

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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.”

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News Release | Arizona PIRG Education Fund | Health Care

As New Health Insurance Rate Increases Become Effective, Consumer Group Provides Analysis & Offers Recommendations

Today, the Arizona PIRG Education Fund released A Glimpse into Arizona’s Health Insurance Rate Review Program. The document provides an initial analysis on how effectively Arizona is reviewing proposed health insurance rate increases for the individual market since taking over that responsibility from the federal government.

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Report | Arizona PIRG Education Fund | Health Care

Mediating for Citizens

An ombudsman office plays an important role in government.  It provides citizens with an outlet for resolving legitimate grievances with government agencies, which can bolster public confidence in government and promote accountability of public officials and state agencies. This report makes recommendations for bolstering the effectiveness of the Arizona Ombudsman-Citizens’ Aide Office.

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Report | Arizona PIRG Education Fund | Health Care

The Young Person's Guide to Health Insurance

A provision of the new federal health care law that goes into effect today allowing parents to keep children on their health insurance plan until age 26 will benefit 30,900 young people, according to the Arizona PIRG Education Fund. The Arizona PIRG Education Fund marked the day by releasing The Young Person’s Guide to Health Insurance, a consumer guide which offers information about the rights and options available to young people and their families under the new law, which includes a letter addressed to students coming back to college this fall from President Barack Obama. 

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Report | Arizona PIRG Education Fund | Health Care

Delivering on the Promise

The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers, businesses, and local and state governments, as well as how insurers and providers operate. But whether Americans experience improved care, lower costs and greater access depends largely on what happens next.

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Report | Arizona PIRG Education Fund | Health Care

The Facts About Comparative Effectiveness Research

As Congressional and public debate over health care reform grows more intense, comparative effectiveness research (CER) has emerged as an unlikely flashpoint of controversy. Opponents’ claims that CER results in the rationing of health care or a government takeover are belied by the true nature of such research: it is simply fundamental scientific research of medical treatments aimed at determining the most effective ways to treat sickness and injury.

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